UNIVERSITY Federal Credit Union
UNIVERSITY Federal Credit Union received 2,217 applications in 2025 and made 1,540 mortgages, in 181 counties across 23 states. The median rate its borrowers got was 6.625% on a median loan of $305,000. Of 1,764 decisions, 224 were denials — 12.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007XAKU2Q6LGXD23 |
|---|---|
| Applications received | 2,217 |
| Mortgages made | 1,540 |
| Denied | 224 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 453 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.216 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 | 1,119 | 6.500% | $345,000 | 3.4% |
| Refinancing | 88 | 6.375% | $375,000 | 19.3% |
| Cash-out refinancing | 331 | 7.500% | $105,000 | 33.1% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where UNIVERSITY Federal Credit Union lends most
The 50 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 | 614 | 6.625% | 13.9% |
| Williamson County, TX | 280 | 6.750% | 14.4% |
| Hays County, TX | 87 | 6.625% | 12.1% |
| Wake County, NC | 61 | 6.500% | 0.0% |
| Galveston County, TX | 54 | 6.875% | 12.9% |
| Harris County, TX | 47 | 6.625% | 9.6% |
| Burnet County, TX | 21 | 6.375% | 8.7% |
| Bastrop County, TX | 20 | 6.750% | 35.5% |
| Sevier County, TN | 19 | 6.500% | 0.0% |
| Bell County, TX | 18 | 6.563% | 14.3% |
| Comal County, TX | 17 | 6.625% | 0.0% |
| Dallas County, TX | 13 | 6.625% | 18.8% |
| Tarrant County, TX | 13 | 6.500% | 18.8% |
| Bexar County, TX | 11 | 6.125% | 15.4% |
| Johnston County, NC | 9 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 9 | Under 10 loans | 10.0% |
| Brunswick County, NC | 8 | Under 10 loans | 0.0% |
| Durham County, NC | 8 | Under 10 loans | 0.0% |
| Franklin County, NC | 8 | Under 10 loans | 0.0% |
| Caldwell County, TX | 7 | Under 10 loans | 12.5% |
| Cumberland County, NC | 6 | Under 10 loans | 0.0% |
| Brazos County, TX | 6 | Under 10 loans | 14.3% |
| Denton County, TX | 6 | Under 10 loans | 0.0% |
| Brazoria County, TX | 5 | Under 10 loans | 0.0% |
| Lubbock County, TX | 5 | Under 10 loans | 16.7% |
| McCurtain County, OK | 4 | Under 10 loans | 20.0% |
| Collin County, TX | 4 | Under 10 loans | 0.0% |
| McLennan County, TX | 4 | Under 10 loans | 0.0% |
| Milam County, TX | 4 | Under 10 loans | 33.3% |
| Montgomery County, TX | 4 | Under 10 loans | 0.0% |
| Nueces County, TX | 4 | Under 10 loans | 20.0% |
| Marion County, IN | 3 | Under 10 loans | 0.0% |
| Chatham County, NC | 3 | Under 10 loans | 0.0% |
| Harnett County, NC | 3 | Under 10 loans | 0.0% |
| Nash County, NC | 3 | Under 10 loans | 0.0% |
| Orange County, NC | 3 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 3 | Under 10 loans | 25.0% |
| Hidalgo County, TX | 3 | Under 10 loans | 0.0% |
| Lampasas County, TX | 3 | Under 10 loans | 0.0% |
| San Patricio County, TX | 3 | Under 10 loans | 0.0% |
| Wharton County, TX | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| Gilmer County, GA | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Buncombe County, NC | 2 | Under 10 loans | 0.0% |
| Granville County, NC | 2 | Under 10 loans | 0.0% |
| Lee County, NC | 2 | Under 10 loans | 0.0% |
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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.