UNIVERSITY Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
42nd12.7% deniedPricingmedian rate spread over APOR, weight 30%
57th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
32nd20.4%Closing coststotal loan costs ÷ loan amount, weight 10%
64th1.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,147 | 1,463 | 13.1% | 22.0% | 6.50% | $531M |
| 2024 | 2,227 | 1,408 | 11.0% | 14.7% | 6.63% | $412M |
| 2025 | 2,217 | 1,540 | 10.1% | 12.7% | 6.63% | $534M |
What UNIVERSITY Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 181 investment properties.
Why UNIVERSITY Federal Credit Union denies applications
Primary reason reported for each of the 224 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at UNIVERSITY Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 89 | 47 | 36.5% |
| $50k – $100k | 537 | 337 | 21.3% |
| $100k – $150k | 483 | 342 | 13.0% |
| $150k – $250k | 613 | 461 | 6.1% |
| Over $250k | 458 | 331 | 5.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 58 | 48 | 4.0% |
| 25–34 | 463 | 352 | 6.9% |
| 35–44 | 683 | 492 | 10.1% |
| 45–54 | 495 | 330 | 16.0% |
| 55–64 | 326 | 195 | 20.4% |
| 65–74 | 146 | 94 | 19.0% |
| Over 74 | 46 | 29 | 17.1% |
Where UNIVERSITY Federal Credit Union lends
23 states and 181 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,911 | 1,306 | 11.2% | 6.63% | #105 |
| North Carolina | 162 | 135 | 0.6% | 6.50% | #258 |
| Tennessee | 25 | 19 | 4.0% | 6.50% | #507 |
| Florida | 19 | 12 | 5.3% | 6.88% | #765 |
| Ohio | 12 | 9 | 8.3% | 6.63% | #590 |
| South Carolina | 12 | 9 | 0.0% | 6.75% | #518 |
| Georgia | 10 | 7 | 10.0% | 6.50% | #671 |
| Virginia | 9 | 8 | 0.0% | 6.69% | #586 |
| Arizona | 8 | 5 | 0.0% | 6.25% | #545 |
| Oklahoma | 8 | 5 | 12.5% | 6.38% | #430 |
| Indiana | 7 | 3 | 14.3% | 6.38% | #595 |
| Colorado | 6 | 5 | 0.0% | 6.75% | #598 |
| Massachusetts | 6 | 4 | 16.7% | 7.25% | #503 |
Frequently asked questions
UNIVERSITY Federal Credit Union denied 12.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of mid-size mortgage lenders.
The most common reason UNIVERSITY Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 46.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans UNIVERSITY Federal Credit Union originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 36% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 90% conventional, 8% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.