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Unity Xchange brings to market an electronic exchange for credit union originated member loans. Unity Xchange creates an organized and accepted “clearing house” for loan participations.

Looking to diversify your business loan portfolio or manage your loan concentrations? Searching for participants for loans in the pipeline? Unity Xchange can help.

 

 

 

UnityXChange only accepts performing loans under the Business Loan Section. However, UnityXchnage does not make any ascertion to such loans or future performance All loans should be reviewed by your institution’s due diligence process

Unity Xchange is the leader in providing an efficient loan exchange platform

About Us

Mission Statement

UnityXchange provides a trading platform where loans can be bought and sold by financial institutions. We are committed to providing affordable, flexible and system driven solutions in the most efficient manner for financial institutions to share loan yield. Unity Xchange will provide, support, and promote best practices in the distribution of loans and products to induce quality and consistency.

Leadership

Unity Xchange is a collaboration of credit unions that buy and sell loan participations and professionals serving credit unions. The credit unions and professionals wanted to create an efficient and cost effective means to share loan yield from loans underwritten by high performing lenders. Seasoned MBLs, Forward Commitments, Taxi medallions and other types of loans will be posted within our UnityXchange technology platform. Both credit unions and banks can buy loan participation interests in loans. The professionals include Tom Campbell and Mario R. Pelosi, investment advisors to credit unions. The contact emails for the professionals are listed below. Unity Xchange's ownership consists of Corning Federal Credit Union and Tri County Area.

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Sellers

Financial institution lenders may post loans on Unity Xchange to offer loan participations to subscriber/buyers that are members of Unity Xchange. . Sellers may only offer performing loans to be sold through Unity Xchange.

Attestation

Each seller on the Xchange has made an attestation that they have the internal resources necessary to support servicing for our subscribers/buyers. They also attest to the fact that they will only post performing loans with at least 2 months of positive payment history. In many cases, the loans posted will be seasoned for an even greater length of time.

All sellers have direct access to Unity Xchange's online market which enables the seller to post their loan participation opportunities to multiple prospects with one time document uploads. Buyers are able to efficiently click through the postings to find the right loan to buy.

 

 

 

UnityXChange only accepts performing loans under the Business Loan Section. However, UnityXchnage does not make any ascertion to such loans or future performance All loans should be reviewed by your institution’s due diligence process

Services Overview

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Welcome to the Residential Mortgage Whole & Participation Offerings @ UnityXchange!

UnityXchange offers buyers the opportunity to purchase whole or participations in mortgage loans made to credit union members. These loans may be conforming or non-conforming. Purchasing residential mortgages is an excellent way to add yield to your portfolio.

Sellers of residential mortgage loans will not be certified like business loan sellers. As always there is risk associated with purchasing whole or participation loans. All loans should be reviewed by your financial institution carefully before making any purchase. These loans will be listed individually as well as in bundles so pay careful attention to which you are reviewing.

If you interested in purchasing a whole or participating in a residential mortgage loan, have further questions, need additional documentation specific to your financial institution due diligence process, please feel free to contact t.campbell@unityxchange.com or m.pelosi@unityxchange.com.

f you would like the opportunity to post residential loans on UnityXchange please contact us at info@unityxchange.com.

Residential Loan Listing

Coming Soon!

Reference Status Balance Location Rate Term Rate Type LTV

 

The Xchange

Unity Xchange uses the power of technology combined with the expertise of seasoned commercial lenders to create an online marketplace for the purchase and sale of high quality loans. The Xchange makes transactions more efficient, bringing together some of the best commercial and business lenders with active loan buyers. The Xchange will make due diligence and communications fast and simple, allowing buyers and seller to concentrate on managing their portfolios, rather than managing transactions.

Our proprietary technology allows lenders to post loan participation opportunities to a marketplace of buyers with one time document uploads. Subscribing buyers are able to efficiently browse through the postings to find the right loan for their portfolio and quickly delve deeper into the loan documentation to confirm this is the right loan. Initially, the Xchange listed only seasoned commercial loans, but other types of loans have been added, including forward commitments, taxi medallions and pools of residential whole loans.

 

 

UnityXChange only accepts performing loans under the Business Loan Section. However, UnityXchnage does not make any ascertion to such loans or future performance All loans should be reviewed by your institution’s due diligence process

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g.messick@unityxchange.com

Sell a Loan

Why should we become Certified?

Achieving Certification denotes that a financial institution has completed the “Best Practice” document(s). This level of approval connotes that a financial institution which lists loan participations, meet the highest underwriting standards established by Unity Xchange.

How long does the Certification process take?

The Certification process is principally driven by the timeliness of the submission of required documentation. In most cases it takes 1 to 3 weeks. /p>

What is the cost of Certification?

Please Email or call us for cost information. 215-552-8123 x103 or x104