Lender in Texas · HMDA 2025
University Federal Credit Union mortgages in Texas
University Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
University Federal Credit Union originated 937 owner-occupied single-family loans in Texas from 1,017 completed applications.
Its median conventional purchase loan costs were $6,630 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
937
of 1,017 applications
Denial rate
3.5%
Purchase · TX 10.2%
Rate spread
−0.02 pts
Conv. · TX +0.09 pts
Loan amount
$375,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 790 | 762 | 3.5% | 6.500% | −0.02 pts | $6,630 | $375,000 |
| Refinance | 86 | 68 | 20.9% | 6.375% | −0.01 pts | $4,710 | $415,000 |
| Cash-out refinance | 141 | 107 | 24.1% | 6.875% | +0.45 pts | $4,940 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where University Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Travis County | 6 | 444 | 3.1% |
| Burnet County | 10 | 18 | 2.0% |
| Caldwell County | 12 | 5 | 0.9% |
| Milam County | 12 | 4 | 1.7% |
| Williamson County | 14 | 194 | 1.5% |
| Hays County | 17 | 63 | 1.1% |
| Fayette County | 17 | 2 | 1.1% |
| Madison County | 19 | 1 | 1.1% |
| Bastrop County | 20 | 13 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology