Union Square Credit Union mortgage approval rate & lending review
Union Square Credit Union decided 770 mortgage applications and funded 708 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Union Square Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Union Square Credit Union at a glance
Approval is 10.3 points above the 83.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 351 / 372 | 98% | $175K | 343 |
| Cash-out refinance | 73% | 57 / 78 | 95% | $145K | 54 |
| Refinance | 89% | 72 / 81 | 100% | $195K | 72 |
| Investment property purchase | 100% | 189 / 189 | 100% | $145K | 189 |
Union Square Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $175K | 758 | 697 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Union Square Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wichita County, TX | Mortgage lenders | 95% | 332 | 306 |
| Wichita County, TX | Investment property purchase | 100% | 179 | 179 |
| Wichita County, TX | Refinance | 90% | 68 | 61 |
| Wichita County, TX | Cash-out refinance | 72% | 76 | 52 |
| Wichita County, TX | Investment refinance | 100% | 22 | 22 |
The county markets where Union Square Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Union Square Credit Union
What is Union Square Credit Union's mortgage approval rate?
Union Square Credit Union approved 93.4% of the 770 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.3 points above the 83.1% national rate for the same mix of loan types.
How often do borrowers take the loan Union Square Credit Union offers?
Borrowers accepted 98% of the loans Union Square Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Union Square Credit Union make?
The typical home purchase mortgage loan Union Square Credit Union made was $175K; across all loan types its typical loan ran from $145K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Union Square Credit Union lend?
Union Square Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Texas, New Mexico and Oklahoma.
Can I apply to Union Square Credit Union directly?
Yes. Union Square Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Union Square Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Union Square Credit Union treats applications, then get a rate quote from the lender.