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UNIVERSITY Federal Credit Union

Credit Union•Austin, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from UNIVERSITY Federal Credit Union — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Regional · 8 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

UNIVERSITY Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+8.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume907
Mix84.9%
Spread
+0.089%Above
Fees
$3,433Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume122
Mix11.4%
Spread
+0.148%Above
Fees
$3,388Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume25
Mix2.3%
Spread
-0.301%Below
Fees
$1,830Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume13
Mix1.2%
Spread
-0.483%Below
Fees
$2,066Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume911
Mix85.3%
Spread
+0.012%Above
Fees
$3,545Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume157
Mix14.7%
Spread
+0.489%Above
Fees
$2,533Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,068
Applications
1,575
Volume
$371 million
Pricing & Closing
Avg Rate Spread
+0.086%
vs. market APOR
Avg Net Fees
$3,389
Origination − Credits
Pullthrough Rate
67.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,500
Avg Borrower Income
$178,329
Avg Property Value
$484,504

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
ARNCTX

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 755Mix 70.69% of portfolio
98/100
Exceptional
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 101Mix 9.46% of portfolio
64/100
Strong
3© Billy Hathorn · CC BY-SA 3.0
Killeen, TXMetro
Volume 22Mix 2.06% of portfolio
52/100
Sound
4© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 24Mix 2.25% of portfolio
51/100
Sound
5© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 24Mix 2.25% of portfolio
49/100
Sound
6© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 22Mix 2.06% of portfolio
46/100
Sound
7© Larry D. Moore · CC BY 4.0
Corpus Christi, TXMetro
Volume 13Mix 1.22% of portfolio
45/100
Sound
8© Atlpedia · CC BY-SA 3.0
Durham, NCMetro
Volume 10Mix 0.94% of portfolio
41/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 1,015Mix 95.04% of portfolio
83/100
Exceptional
North Carolina
North Carolina
2
North CarolinaState
Volume 52Mix 4.87% of portfolio
52/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.