University Federal Credit Union mortgage approval rate & lending review
University Federal Credit Union decided 4,976 mortgage applications and funded 4,146 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions University Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
University Federal Credit Union at a glance
Approval is 3.3 points above the 80.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 2,608 / 2,687 | 100% | $355K | 2,606 |
| Cash-out refinance | 62% | 1,064 / 1,704 | 99% | $105K | 1,058 |
| Refinance | 68% | 118 / 173 | 100% | $375K | 118 |
| Investment property purchase | 96% | 285 / 296 | 100% | $265K | 285 |
| Investment cash-out refinance | 73% | 53 / 73 | 98% | $225K | 52 |
| Investment refinance | 67% | 20 / 30 | 100% | $265K | 20 |
University Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 83% | $355K | 4,761 | 3,939 |
| North Carolina | 99% | $365K | 151 | 150 |
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 University Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Mortgage lenders | 97% | 1,238 | 1,197 |
| Williamson County, TX | Mortgage lenders | 97% | 539 | 523 |
| Travis County, TX | Cash-out refinance | 64% | 823 | 522 |
| Williamson County, TX | Cash-out refinance | 62% | 430 | 262 |
| Hays County, TX | Mortgage lenders | 97% | 148 | 143 |
| Hays County, TX | Cash-out refinance | 61% | 153 | 94 |
| Travis County, TX | Investment property purchase | 99% | 94 | 93 |
| Galveston County, TX | Mortgage lenders | 99% | 68 | 67 |
| Bastrop County, TX | Mortgage lenders | 98% | 60 | 59 |
| Galveston County, TX | Cash-out refinance | 64% | 91 | 58 |
| Bell County, TX | Mortgage lenders | 96% | 52 | 50 |
| Travis County, TX | Refinance | 68% | 73 | 50 |
The county markets where University Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about University Federal Credit Union
What is University Federal Credit Union's mortgage approval rate?
University Federal Credit Union approved 83.5% of the 4,976 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.3 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan University Federal Credit Union offers?
Borrowers accepted 100% of the loans University Federal 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 University Federal Credit Union make?
The typical home purchase mortgage loan University Federal Credit Union made was $355K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does University Federal Credit Union lend?
University Federal Credit Union decided applications in 18 of the states Fat Boy Data covers, most of them in Texas, North Carolina and Florida.
Can I apply to University Federal Credit Union directly?
Yes. University Federal Credit Union is a bank or credit union with 49 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show University Federal 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 University Federal Credit Union treats applications, then get a rate quote from the lender.