# UNION SQUARE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/union-square-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNION SQUARE CREDIT UNION is a credit union, headquartered in Wichita Falls, TX, serving borrowers across 3 states, with 190 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z2FPZZD55OG155
- **Headquarters:** Wichita Falls, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** NM, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.098%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $822
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 190
- **Dollar Volume:** $42 million
- **Applications Received:** 255
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,947
- **Average Borrower Income:** $112,895
- **Average Property Value:** $288,579

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 126 | +0.173% | $848 | Sound ☺️ |
| FHA | 68/100 | 47 | +0.063% | $811 | Strong 😀 |
| VA | 64/100 | 17 | -0.497% | $615 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 70 loans, Score: 54/100 (Sound)
- Refinance: 56 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 45 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 132 | $29M | +0.079% | Strong 😀 |
| Refinance | 66/100 | 58 | $13M | +0.141% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 184 | 0.05% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita Falls, TX | TX | 167 | 100/100 |
| Non |  | 14 | 27/100 |

## Where This Lender Ranks

UNION SQUARE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wichita Falls, TX
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders)
- 🥇 **#1** in Wichita Falls, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Wichita Falls, TX for VA Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Wichita Falls, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Wichita Falls, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does UNION SQUARE CREDIT UNION offer?

UNION SQUARE CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNION SQUARE CREDIT UNION offer mortgages?

UNION SQUARE CREDIT UNION offers mortgages in 3 states: NM, OK, TX.

### How competitive are UNION SQUARE CREDIT UNION's mortgage rates?

UNION SQUARE CREDIT UNION has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.098% above market average.

### What type of lender is UNION SQUARE CREDIT UNION?

UNION SQUARE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Wichita Falls, TX.

### What is UNION SQUARE CREDIT UNION's loan approval success rate?

UNION SQUARE CREDIT UNION has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/union-square-credit-union

### How to Cite

> "UNION SQUARE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/union-square-credit-union

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