UNIVERSITY Federal Credit Union in Texas vs the state
11.2%Denial rate-8.23 pts vs state
14.1%Decision denial rate-10.82 pts vs state
68.3%Origination rate+13.46 pts vs state
6.63%Median rate+0.13 pts vs state
0.20Rate spread (pts)+0.01 pts vs state
$144kMedian applicant income
1,306Loans originated
214Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,146 | 1,463 | 13.1% | 6.50% | #60 |
| 2024 | 2,165 | 1,355 | 11.2% | 6.63% | #86 |
| 2025 | 1,911 | 1,306 | 11.2% | 6.63% | #105 |
What UNIVERSITY Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 901 | 614 | 99 | 11.0% |
| Williamson County | 406 | 280 | 47 | 11.6% |
| Hays County | 120 | 87 | 12 | 10.0% |
| Galveston County | 75 | 54 | 8 | 10.7% |
| Harris County | 65 | 47 | 5 | 7.7% |
| Bastrop County | 45 | 20 | 11 | 24.4% |
| Bell County | 29 | 18 | 3 | 10.3% |
| Burnet County | 27 | 21 | 2 | 7.4% |
| Tarrant County | 21 | 13 | 3 | 14.3% |
| Comal County | 20 | 17 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,911 applications in 2025, of which 1,306 were originated and 214 denied.
11.2% of all applications, or 14.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are UNIVERSITY Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology