Applications / Mortgage Analytics / Lenders / Texas / University Federal Credit Union
Austin, TX · Credit union · NCUA · $4.2 billion assets · 1,540 loans in 2025
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1,540
loans originated, 2025
2,217
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
University Federal Credit Union is a Texas purchase lender that makes larger loans and more government-backed loans than similar credit unions, and it ranked 12 of 753 lenders in Austin.
FHA loans (insured by the Federal Housing Administration) were 8.2% of its originations and VA loans (guaranteed by the Department of Veterans Affairs) 2.3%, both higher than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), where each was typically 0.0%. Purchase loans were 72.7% of its lending.
Its typical loan, $305,000, was larger than at more than nine in ten peers, against $115,000. Its typical rate, 6.62%, was lower than at about two-thirds of peers (7.00%), and its purchase denial rate, 3.1%, lower than at four in five (6.3%).
LMI (low- and moderate-income) areas took 20.6% of its loans, higher than at about nine in ten peers (15.3%), and majority-minority areas 36.2%, higher than at more than four in five (10.7%). LMI borrowers took 25.2%, near the middle (27.1%), up from 16.8% five years before.
It ranked 12 of 753 in Austin, where it has lent since 1991, and its share rose 0.1 points to 1.5%; United Wholesale Mortgage, JPMorgan Chase Bank and CMG Mortgage led there. Originations rose 9% to 1,540, in line with peers, but were 5,144 in 2020. It entered Raleigh in 2024.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. University Federal Credit Union took 2,217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 27.2% · Home improvement 0.1%
Conventional 89.5% · FHA 8.2% · VA 2.3% · of 1,540 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,306 | 84.8% |
| North Carolina | 135 | 8.8% |
| Tennessee | 19 | 1.2% |
| Florida | 12 | 0.8% |
| Ohio | 9 | 0.6% |
| South Carolina | 9 | 0.6% |
| Virginia | 8 | 0.5% |
| Georgia | 7 | 0.5% |
| Arizona | 5 | 0.3% |
| Colorado | 5 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 1,008 |
| Houston-Pasadena-The Woodlands | 121 |
| Raleigh-Cary | 78 |
| San Antonio-New Braunfels | 33 |
| Dallas-Plano-Irving | 25 |
| Killeen-Temple | 23 |
| Durham-Chapel Hill | 15 |
| Fort Worth-Arlington-Grapevine | 14 |
| Wilmington | 10 |
| Corpus Christi | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007XAKU2Q6LGXD23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 369976 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51367 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: University Federal Credit Union's data.
University Federal Credit Union's data
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University Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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