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Unify Financial Federal Credit Union in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Unify Financial Federal Credit Union's 2024 HMDA record for Kentucky covers 101 applications, 54 of them originated, worth $5.1m.
Its denial rate in the state was 30.8%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 51.2%.
Applications in the state were up 51% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Unify Financial Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.8% | 25.0% | 51.2% | 24.3% |
| Median rate spread, pp | — | 0.4 | 2.3 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.0% | 50.6% | 15.6% |
| Average originated loan | $94k | $219k | $146k | $329k |
| Home purchase share | 16.7% | 55.3% | 15.6% | 57.0% |
| FHA-insured share | 0.0% | 14.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 17% (9)Home improvement 80% (43)Cash-out refinancing 2% (1)Other purpose 2% (1)
By type
Conventional 100% (54)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Scott County | 48 | 26 | $2.1m | 29.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Unify Financial Federal Credit Union originate in Kentucky in 2024?
54 loans totalling $5.1m, from 101 applications reported for properties in Kentucky.
What is Unify Financial Federal Credit Union's denial rate in Kentucky?
30.8% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 51.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Unify Financial Federal Credit Union lend in most?
By originations: Scott County (26).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.