United Texas Credit Union mortgage approval rate & lending review
United Texas Credit Union decided 348 mortgage applications and funded 328 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Texas Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to theunitedfamily.com.
United Texas Credit Union at a glance
Approval is 27.0 points above the 69.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 96% | 292 / 305 | 98% | $75K | 285 |
United Texas Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $75K | 347 | 327 |
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 United Texas Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Cash-out refinance | 93% | 185 | 166 |
| Tarrant County, TX | Cash-out refinance | 100% | 68 | 67 |
The county markets where United Texas Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about United Texas Credit Union
What is United Texas Credit Union's mortgage approval rate?
United Texas Credit Union approved 96.3% of the 348 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 27.0 points above the 69.2% national rate for the same mix of loan types.
How often do borrowers take the loan United Texas Credit Union offers?
Borrowers accepted 98% of the loans United Texas Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Texas Credit Union make?
The typical cash-out refinance loan United Texas Credit Union made was $75K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Texas Credit Union lend?
United Texas Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and North Carolina.
Can I apply to United Texas Credit Union directly?
Yes. United Texas Credit Union reports as a direct lender that takes applications from borrowers. Its website is theunitedfamily.com.
Does this page show United Texas 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 United Texas Credit Union treats applications, then get a rate quote from the lender.