UNIVERSITY CREDIT UNION
UNIVERSITY CREDIT UNION received 134 applications in 2025 and made 58 mortgages, in 42 counties across 16 states. The median rate its borrowers got was 6.484% on a median loan of $470,000. Of 66 decisions, 8 were denials — 12.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300G5ZQEXZC4Y5G44 |
|---|---|
| Applications received | 134 |
| Mortgages made | 58 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 68 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.017 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 | 33 | 6.500% | $485,000 | 5.7% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Cash-out refinancing | 17 | 6.500% | $355,000 | 15.0% |
Where UNIVERSITY CREDIT UNION lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 22 | 6.484% | 18.5% |
| Yolo County, CA | 4 | Under 10 loans | 0.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 50.0% |
| Amador County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Lake County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Macon County, IL | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Marion County, OR | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 50.0% |
| Taylor County, TX | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Whatcom County, WA | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 0 | Under 10 loans | Not published |
| Calaveras County, CA | 0 | Under 10 loans | Not published |
| Kern County, CA | 0 | Under 10 loans | Not published |
| Marin County, CA | 0 | Under 10 loans | Not published |
| Placer County, CA | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| Santa Clara County, CA | 0 | Under 10 loans | Not published |
| Barnstable County, MA | 0 | Under 10 loans | Not published |
| Passaic County, NJ | 0 | Under 10 loans | Not published |
| Williamson County, TN | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | Not published |
| Hays County, TX | 0 | Under 10 loans | Not published |
| Loudoun County, VA | 0 | Under 10 loans | Not published |
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When UNIVERSITY CREDIT UNION’s figures are published for the next year, or restated.
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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.