United Heritage Credit Union
United Heritage Credit Union received 508 applications in 2025 and made 313 mortgages, in 47 counties across 1 state. The median rate its borrowers got was 7.150% on a median loan of $115,000. Of 467 decisions, 153 were denials — 32.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900WAN5TOEYBJJR25 |
|---|---|
| Applications received | 508 |
| Mortgages made | 313 |
| Denied | 153 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.39 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | 7.150% | $195,000 | 30.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 50 | 7.050% | $185,000 | 28.6% |
| Other purposes | 248 | 7.150% | $105,000 | 33.6% |
Where United Heritage Credit Union lends most
The 47 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Travis County, TX | 96 | 6.950% | 35.1% |
| Williamson County, TX | 64 | 7.150% | 34.0% |
| Hays County, TX | 37 | 7.150% | 35.1% |
| Smith County, TX | 32 | 7.150% | 25.0% |
| Denton County, TX | 9 | Under 10 loans | 18.2% |
| Bell County, TX | 7 | Under 10 loans | 12.5% |
| Harris County, TX | 7 | Under 10 loans | 36.4% |
| Tarrant County, TX | 6 | Under 10 loans | 14.3% |
| Bastrop County, TX | 5 | Under 10 loans | 16.7% |
| Burnet County, TX | 5 | Under 10 loans | 0.0% |
| Cherokee County, TX | 4 | Under 10 loans | 0.0% |
| Comal County, TX | 4 | Under 10 loans | 0.0% |
| Montgomery County, TX | 4 | Under 10 loans | 33.3% |
| Fayette County, TX | 3 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 3 | Under 10 loans | 40.0% |
| Bexar County, TX | 2 | Under 10 loans | 66.7% |
| Caldwell County, TX | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 60.0% |
| Dallas County, TX | 2 | Under 10 loans | 33.3% |
| Gregg County, TX | 2 | Under 10 loans | 0.0% |
| Henderson County, TX | 2 | Under 10 loans | 33.3% |
| Wood County, TX | 2 | Under 10 loans | 0.0% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Colorado County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 66.7% |
| El Paso County, TX | 1 | Under 10 loans | 0.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Kaufman County, TX | 1 | Under 10 loans | 0.0% |
| Lee County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 50.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 50.0% |
| Wilson County, TX | 1 | Under 10 loans | 0.0% |
| Blanco County, TX | 0 | Under 10 loans | 100.0% |
| Bosque County, TX | 0 | Under 10 loans | Not published |
| DeWitt County, TX | 0 | Under 10 loans | 100.0% |
| Galveston County, TX | 0 | Under 10 loans | 100.0% |
| Gillespie County, TX | 0 | Under 10 loans | 100.0% |
| Hunt County, TX | 0 | Under 10 loans | 100.0% |
| Llano County, TX | 0 | Under 10 loans | 100.0% |
| Matagorda County, TX | 0 | Under 10 loans | 100.0% |
| Parker County, TX | 0 | Under 10 loans | 100.0% |
| Refugio County, TX | 0 | Under 10 loans | 100.0% |
| Rusk County, TX | 0 | Under 10 loans | 100.0% |
| Stephens County, TX | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.