Lender profile · HMDA 2023–2025
University Federal Credit Union mortgage approval rates & lending data
University Federal Credit Union decided 4,976 mortgage applications and funded 4,146 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 2,608 / 2,687 | 100% | $355K | 2,606 |
| Cash-out refinance | 62% | 1,064 / 1,704 | 99% | $105K | 1,058 |
| Refinance | 68% | 118 / 173 | 100% | $375K | 118 |
| Investment property purchase | 96% | 285 / 296 | 100% | $265K | 285 |
| Investment cash-out refinance | 73% | 53 / 73 | 98% | $225K | 52 |
| Investment refinance | 67% | 20 / 30 | 100% | $265K | 20 |
University Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 83% | $355K | 4,761 | 3,939 |
| North Carolina | 99% | $365K | 151 | 150 |
| Florida | 92% | $185K | 12 | 11 |
| Ohio | 89% | $195K | 9 | 8 |
| South Carolina | 100% | $345K | 8 | 8 |
| Arizona | 100% | $325K | 5 | 5 |
| Georgia | 80% | $365K | 5 | 4 |
| Massachusetts | 80% | $285K | 5 | 4 |
| Virginia | 100% | $405K | 5 | 5 |
| Indiana | 75% | $365K | 4 | 3 |
| Arkansas | 100% | $415K | 2 | 2 |
| Oklahoma | 50% | $595K | 2 | 1 |
| Pennsylvania | 100% | $485K | 2 | 2 |
| Colorado | 100% | $205K | 1 | 1 |
| Kentucky | 100% | $255K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.