# United Texas Credit Union

> **Canonical URL:** https://saferate.com/lenders/united-texas-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

United Texas Credit Union is a credit union, headquartered in San Antonio, TX, with 49 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300B0SOOJLUT6U297
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.942%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,178
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 49
- **Dollar Volume:** $6 million
- **Applications Received:** 63
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $130,918
- **Average Borrower Income:** $89,735

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 48 | +0.942% | $1,178 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 46 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 49/100 | 47 | $6M | +0.968% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 49 | 0.01% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 34 | 62/100 |

## Frequently Asked Questions

### What loan types does United Texas Credit Union offer?

United Texas Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does United Texas Credit Union offer mortgages?

United Texas Credit Union offers mortgages in 1 states: TX.

### How competitive are United Texas Credit Union's mortgage rates?

United Texas Credit Union has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.942% above market average.

### What type of lender is United Texas Credit Union?

United Texas Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Antonio, TX.

### What is United Texas Credit Union's loan approval success rate?

United Texas Credit Union has a pull-through score of 48/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/united-texas-credit-union

### How to Cite

> "United Texas Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-texas-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/united-texas-credit-union)**