# UNIVERSITY Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/university-federal-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


UNIVERSITY Federal Credit Union is a credit union, headquartered in Austin, TX, serving borrowers across 3 states, with 1,068 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007XAKU2Q6LGXD23
- **Headquarters:** Austin, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AR, NC, TX
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.086%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,389
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,068
- **Dollar Volume:** $371 million
- **Applications Received:** 1,575
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $347,500
- **Average Borrower Income:** $178,329
- **Average Property Value:** $484,504

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 907 | +0.089% | $3,433 | Strong 😀 |
| FHA | 67/100 | 122 | +0.148% | $3,388 | Strong 😀 |
| VA | 62/100 | 25 | -0.301% | $1,830 | Strong 😀 |
| Jumbo | 61/100 | 13 | -0.483% | $2,066 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 753 loans, Score: 69/100 (Strong)
- Refinance: 154 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 121 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 911 | $331M | +0.012% | Strong 😀 |
| Refinance | 69/100 | 157 | $40M | +0.489% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,015 | 0.29% | 83/100 |
| NC | 52 | 0.04% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 755 | 98/100 |
| Houston | TX | 101 | 64/100 |
| Non |  | 44 | 37/100 |
| Raleigh | NC | 24 | 51/100 |
| San Antonio | TX | 24 | 49/100 |
| Dallas | TX | 22 | 46/100 |
| Killeen | TX | 22 | 52/100 |
| Corpus Christi, TX | TX | 13 | 45/100 |
| Durham | NC | 10 | 41/100 |

## Where This Lender Ranks

UNIVERSITY Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Austin for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Killeen for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Austin Credit Unions
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Austin for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Texas for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Austin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Austin for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Texas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Killeen Credit Unions
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Killeen for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Corpus Christi, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Austin for FHA Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Killeen for FHA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Austin
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders)
- 🏆 **#19** in Texas for FHA Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Austin for Jumbo Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does UNIVERSITY Federal Credit Union offer?

UNIVERSITY Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNIVERSITY Federal Credit Union offer mortgages?

UNIVERSITY Federal Credit Union offers mortgages in 3 states: AR, NC, TX.

### How competitive are UNIVERSITY Federal Credit Union's mortgage rates?

UNIVERSITY Federal Credit Union has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.086% above market average.

### What type of lender is UNIVERSITY Federal Credit Union?

UNIVERSITY Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Austin, TX.

### What is UNIVERSITY Federal Credit Union's loan approval success rate?

UNIVERSITY Federal Credit Union has a pull-through score of 65/100 (Strong). 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/university-federal-credit-union

### How to Cite

> "UNIVERSITY Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-federal-credit-union

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