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UNIVERSITY Federal Credit Union
Credit Union|Austin, TX|Regional
Loans Originated
1,068
Applications
1,575
Volume
$371 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.086%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,389
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
UNIVERSITY Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 9 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$347,500
Average Borrower Income
$178,329
Average Property Value
$484,504
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 907 | 84.9% | +0.089% | $3,433 |
FHA Loans | Strong | Strong | Strong | Strong | 122 | 11.4% | +0.148% | $3,388 |
VA Loans | Strong | Strong | N/A | Strong | 25 | 2.3% | -0.301% | $1,830 |
Jumbo Loans | Sound | Strong | N/A | Sound | 13 | 1.2% | -0.483% | $2,066 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 911 | 85.3% | +0.012% | $3,545 |
Refinance | Sound | Strong | Sound | Sound | 157 | 14.7% | +0.489% | $2,533 |
Geographic Coverage
Metro Areas
8
States Served
3
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARNCTX
Top Metro Areas by Place Specialization Score
1
Austin, TXMSA
Volume: 755Mix: 70.69%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 101Mix: 9.46%
Place Specialization
Strong
3
Killeen, TXMSA
Volume: 22Mix: 2.06%
Place Specialization
Sound
4
Raleigh, NCMSA
Volume: 24Mix: 2.25%
Place Specialization
Sound
5
San Antonio, TXMSA
Volume: 24Mix: 2.25%
Place Specialization
Sound
6
Dallas, TXMSA
Volume: 22Mix: 2.06%
Place Specialization
Sound
7
Corpus Christi, TX, TXMSA
Volume: 13Mix: 1.22%
Place Specialization
Sound
8
Durham, NCMSA
Volume: 10Mix: 0.94%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 1,015Mix: 95.04%
Place Specialization
Exceptional
2
NCState
Volume: 52Mix: 4.87%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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