University Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, University Federal Credit Union of Austin, TX reported 2,217 mortgage applications totaling $752.2 million, about the same as 2024. The average application was for $339,294, and applicants reported an average income of $186,379. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Austin-Round Rock, TX (1,482), Houston-The Woodlands-Sugar Land, TX (169) and Raleigh, NC (94) (applications in parentheses).

Mortgage Company & Address University Federal Credit Union
8303 N Mopac Expressway
Austin, TX 78759
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,217
Total Mortgage Loan Application Amount $752,215,000
Average Mortgage Loan Application Amount $339,294
Highest Mortgage Loan Application Amount $4,405,000
Average Applicant Income $186,379
Highest Applicant Income $2,855,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records University Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for University Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Travis, Texas 901 $ 312,465,000 $ 346,798 $ 194,000
Williamson, Texas 406 $ 118,630,000 $ 292,192 $ 167,000
Hays, Texas 120 $ 37,010,000 $ 308,416 $ 170,000
Wake, North Carolina 75 $ 31,025,000 $ 413,666 $ 150,000
Galveston, Texas 75 $ 19,055,000 $ 254,066 $ 159,000
Harris, Texas 65 $ 27,265,000 $ 419,461 $ 232,000
Bastrop, Texas 45 $ 11,005,000 $ 244,555 $ 113,000
Bell, Texas 29 $ 7,385,000 $ 254,655 $ 141,000
Burnet, Texas 27 $ 10,185,000 $ 377,222 $ 308,000
Sevier, Tennessee 23 $ 14,105,000 $ 613,260 $ 343,000
Tarrant, Texas 21 $ 13,955,000 $ 664,523 $ 282,000
Comal, Texas 20 $ 8,220,000 $ 411,000 $ 210,000
Bexar, Texas 19 $ 6,705,000 $ 352,894 $ 207,000
Dallas, Texas 19 $ 6,415,000 $ 337,631 $ 225,000
Johnston, North Carolina 11 $ 3,495,000 $ 317,727 $ 117,000
Fort Bend, Texas 11 $ 3,965,000 $ 360,454 $ 171,000
Nueces, Texas 11 $ 2,825,000 $ 256,818 $ 157,000
Caldwell, Texas 10 $ 2,010,000 $ 201,000 $ 107,000
Brunswick, North Carolina 9 $ 4,355,000 $ 483,888 $ 195,000
Durham, North Carolina 8 $ 2,580,000 $ 322,500 $ 111,000
Franklin, North Carolina 8 $ 2,310,000 $ 288,750 $ 102,000
Montgomery, Texas 8 $ 2,700,000 $ 337,500 $ 219,000
Cumberland, North Carolina 7 $ 1,395,000 $ 199,285 $ 67,000
Brazos, Texas 7 $ 1,925,000 $ 275,000 $ 277,000
Hidalgo, Texas 7 $ 1,135,000 $ 162,142 $ 150,000
Lubbock, Texas 7 $ 1,005,000 $ 143,571 $ 90,000
Milam, Texas 7 $ 1,535,000 $ 219,285 $ 117,000
Marion, Indiana 6 $ 2,010,000 $ 335,000 $ 295,000
Brazoria, Texas 6 $ 1,810,000 $ 301,666 $ 131,000
Collin, Texas 6 $ 2,470,000 $ 411,666 $ 235,000
Denton, Texas 6 $ 2,870,000 $ 478,333 $ 244,000
Guadalupe, Texas 6 $ 960,000 $ 160,000 $ 151,000
McCurtain, Oklahoma 5 $ 2,505,000 $ 501,000 $ 300,000
Chatham, North Carolina 4 $ 2,280,000 $ 570,000 $ 253,000
Harnett, North Carolina 4 $ 1,440,000 $ 360,000 $ 151,000
Nash, North Carolina 4 $ 1,110,000 $ 277,500 $ 80,000
Lampasas, Texas 4 $ 1,700,000 $ 425,000 $ 204,000
McLennan, Texas 4 $ 880,000 $ 220,000 $ 185,000
Midland, Texas 4 $ 890,000 $ 222,500 $ 129,000
St. Johns, Florida 3 $ 945,000 $ 315,000 $ 0
Taney, Missouri 3 $ 1,625,000 $ 541,666 $ 157,000
Lee, North Carolina 3 $ 805,000 $ 268,333 $ 105,000
New Hanover, North Carolina 3 $ 2,495,000 $ 831,666 $ 324,000
Orange, North Carolina 3 $ 895,000 $ 298,333 $ 195,000
Summit, Ohio 3 $ 505,000 $ 168,333 $ 57,000
Aransas, Texas 3 $ 835,000 $ 278,333 $ 340,000
Blanco, Texas 3 $ 565,000 $ 188,333 $ 148,000
Coryell, Texas 3 $ 445,000 $ 148,333 $ 70,000
Ellis, Texas 3 $ 1,495,000 $ 498,333 $ 307,000
San Patricio, Texas 3 $ 1,285,000 $ 428,333 $ 237,000
Wharton, Texas 3 $ 295,000 $ 98,333 $ 150,000
Maricopa, Arizona 2 $ 1,130,000 $ 565,000 $ 187,000
Navajo, Arizona 2 $ 520,000 $ 260,000 $ 55,000
Yavapai, Arizona 2 $ 1,090,000 $ 545,000 $ 355,000
Bay, Florida 2 $ 630,000 $ 315,000 $ 332,000
Brevard, Florida 2 $ 670,000 $ 335,000 $ 253,000
Duval, Florida 2 $ 750,000 $ 375,000 $ 123,000
Walton, Florida 2 $ 2,300,000 $ 1,150,000 $ 586,000
Chatham, Georgia 2 $ 690,000 $ 345,000 $ 418,000
Gilmer, Georgia 2 $ 960,000 $ 480,000 $ 587,000
Gwinnett, Georgia 2 $ 780,000 $ 390,000 $ 194,000
White, Georgia 2 $ 750,000 $ 375,000 $ 207,000
Jefferson, Kentucky 2 $ 520,000 $ 260,000 $ 165,000
Middlesex, Massachusetts 2 $ 1,180,000 $ 590,000 $ 94,000
Suffolk, Massachusetts 2 $ 1,410,000 $ 705,000 $ 119,000
Carroll, New Hampshire 2 $ 870,000 $ 435,000 $ 236,000
Alamance, North Carolina 2 $ 620,000 $ 310,000 $ 79,000
Buncombe, North Carolina 2 $ 800,000 $ 400,000 $ 262,000
Granville, North Carolina 2 $ 610,000 $ 305,000 $ 106,000
Iredell, North Carolina 2 $ 1,720,000 $ 860,000 $ 270,000
Cuyahoga, Ohio 2 $ 490,000 $ 245,000 $ 66,000
Tulsa, Oklahoma 2 $ 1,140,000 $ 570,000 $ 333,000
Greenville, South Carolina 2 $ 770,000 $ 385,000 $ 379,000
Horry, South Carolina 2 $ 1,430,000 $ 715,000 $ 269,000
Lexington, South Carolina 2 $ 590,000 $ 295,000 $ 207,000
Richland, South Carolina 2 $ 600,000 $ 300,000 $ 145,000
Bee, Texas 2 $ 280,000 $ 140,000 $ 79,000
Cameron, Texas 2 $ 400,000 $ 200,000 $ 143,000
Chambers, Texas 2 $ 190,000 $ 95,000 $ 189,000
Fayette, Texas 2 $ 790,000 $ 395,000 $ 178,000
Gillespie, Texas 2 $ 400,000 $ 200,000 $ 250,000
Kendall, Texas 2 $ 1,060,000 $ 530,000 $ 506,000
Presidio, Texas 2 $ 560,000 $ 280,000 $ 190,000
Smith, Texas 2 $ 490,000 $ 245,000 $ 102,000
Waller, Texas 2 $ 410,000 $ 205,000 $ 100,000
Hanover, Virginia 2 $ 930,000 $ 465,000 $ 191,000
Richmond City, Virginia 2 $ 810,000 $ 405,000 $ 582,000
Coconino, Arizona 1 $ 225,000 $ 225,000 $ 252,000
Pinal, Arizona 1 $ 335,000 $ 335,000 $ 77,000
Benton, Arkansas 1 $ 395,000 $ 395,000 $ 264,000
Crawford, Arkansas 1 $ 215,000 $ 215,000 $ 57,000
Saline, Arkansas 1 $ 415,000 $ 415,000 $ 113,000
Archuleta, Colorado 1 $ 605,000 $ 605,000 $ 263,000
Boulder, Colorado 1 $ 205,000 $ 205,000 $ 1,000
Eagle, Colorado 1 $ 255,000 $ 255,000 $ 164,000
Grand, Colorado 1 $ 805,000 $ 805,000 $ 720,000
La Plata, Colorado 1 $ 815,000 $ 815,000 $ 404,000
Pueblo, Colorado 1 $ 365,000 $ 365,000 $ 210,000
Collier, Florida 1 $ 395,000 $ 395,000 $ 181,000
Lee, Florida 1 $ 525,000 $ 525,000 $ 118,000
Orange, Florida 1 $ 465,000 $ 465,000 $ 224,000
Osceola, Florida 1 $ 245,000 $ 245,000 $ 0
Pinellas, Florida 1 $ 695,000 $ 695,000 $ 323,000
Polk, Florida 1 $ 295,000 $ 295,000 $ 149,000
Sumter, Florida 1 $ 295,000 $ 295,000 $ 111,000
Volusia, Florida 1 $ 125,000 $ 125,000 $ 164,000
Crisp, Georgia 1 $ 75,000 $ 75,000 $ 51,000
Paulding, Georgia 1 $ 295,000 $ 295,000 $ 83,000
St. Joseph, Indiana 1 $ 775,000 $ 775,000 $ 911,000
Franklin, Kentucky 1 $ 385,000 $ 385,000 $ 281,000
Shelby, Kentucky 1 $ 805,000 $ 805,000 $ 421,000
Hampden, Massachusetts 1 $ 265,000 $ 265,000 $ 108,000
Worcester, Massachusetts 1 $ 545,000 $ 545,000 $ 125,000
Van Buren, Michigan 1 $ 545,000 $ 545,000 $ 458,000
Clark, Nevada 1 $ 1,535,000 $ 1,535,000 $ 464,000
Otero, New Mexico 1 $ 225,000 $ 225,000 $ 251,000
San Miguel, New Mexico 1 $ 275,000 $ 275,000 $ 130,000
Carteret, North Carolina 1 $ 185,000 $ 185,000 $ 111,000
Chowan, North Carolina 1 $ 265,000 $ 265,000 $ 210,000
Currituck, North Carolina 1 $ 4,405,000 $ 4,405,000 $ 0
Dare, North Carolina 1 $ 355,000 $ 355,000 $ 507,000
Davidson, North Carolina 1 $ 375,000 $ 375,000 $ 124,000
Forsyth, North Carolina 1 $ 145,000 $ 145,000 $ 29,000
Madison, North Carolina 1 $ 585,000 $ 585,000 $ 373,000
McDowell, North Carolina 1 $ 345,000 $ 345,000 $ 375,000
Moore, North Carolina 1 $ 345,000 $ 345,000 $ 165,000
Person, North Carolina 1 $ 255,000 $ 255,000 $ 63,000
Pitt, North Carolina 1 $ 315,000 $ 315,000 $ 120,000
Randolph, North Carolina 1 $ 265,000 $ 265,000 $ 160,000
Robeson, North Carolina 1 $ 155,000 $ 155,000 $ 37,000
Vance, North Carolina 1 $ 315,000 $ 315,000 $ 78,000
Warren, North Carolina 1 $ 135,000 $ 135,000 $ 54,000
Franklin, Ohio 1 $ 275,000 $ 275,000 $ 213,000
Hamilton, Ohio 1 $ 175,000 $ 175,000 $ 54,000
Hocking, Ohio 1 $ 265,000 $ 265,000 $ 260,000
Lake, Ohio 1 $ 245,000 $ 245,000 $ 7,000
Licking, Ohio 1 $ 195,000 $ 195,000 $ 99,000
Trumbull, Ohio 1 $ 405,000 $ 405,000 $ 88,000
Vinton, Ohio 1 $ 485,000 $ 485,000 $ 220,000
Marshall, Oklahoma 1 $ 245,000 $ 245,000 $ 84,000
Allegheny, Pennsylvania 1 $ 195,000 $ 195,000 $ 70,000
Centre, Pennsylvania 1 $ 485,000 $ 485,000 $ 419,000
Monroe, Pennsylvania 1 $ 485,000 $ 485,000 $ 267,000
Snyder, Pennsylvania 1 $ 145,000 $ 145,000 $ 92,000
Lancaster, South Carolina 1 $ 425,000 $ 425,000 $ 192,000
McCormick, South Carolina 1 $ 355,000 $ 355,000 $ 233,000
Pickens, South Carolina 1 $ 515,000 $ 515,000 $ 193,000
York, South Carolina 1 $ 615,000 $ 615,000 $ 315,000
Bradley, Tennessee 1 $ 225,000 $ 225,000 $ 398,000
Shelby, Tennessee 1 $ 145,000 $ 145,000 $ 384,000
Anderson, Texas 1 $ 145,000 $ 145,000 $ 157,000
Angelina, Texas 1 $ 125,000 $ 125,000 $ 88,000
Bowie, Texas 1 $ 195,000 $ 195,000 $ 88,000
Burleson, Texas 1 $ 65,000 $ 65,000 $ 40,000
El Paso, Texas 1 $ 65,000 $ 65,000 $ 0
Gonzales, Texas 1 $ 65,000 $ 65,000 $ 154,000
Grimes, Texas 1 $ 195,000 $ 195,000 $ 125,000
Henderson, Texas 1 $ 295,000 $ 295,000 $ 103,000
Johnson, Texas 1 $ 265,000 $ 265,000 $ 150,000
Kaufman, Texas 1 $ 275,000 $ 275,000 $ 88,000
Lee, Texas 1 $ 75,000 $ 75,000 $ 180,000
Limestone, Texas 1 $ 85,000 $ 85,000 $ 54,000
Llano, Texas 1 $ 345,000 $ 345,000 $ 71,000
Madison, Texas 1 $ 275,000 $ 275,000 $ 150,000
Parker, Texas 1 $ 35,000 $ 35,000 $ 100,000
Randall, Texas 1 $ 335,000 $ 335,000 $ 174,000
San Augustine, Texas 1 $ 145,000 $ 145,000 $ 93,000
Somervell, Texas 1 $ 455,000 $ 455,000 $ 208,000
Taylor, Texas 1 $ 155,000 $ 155,000 $ 54,000
Tom Green, Texas 1 $ 235,000 $ 235,000 $ 69,000
Upshur, Texas 1 $ 225,000 $ 225,000 $ 84,000
Van Zandt, Texas 1 $ 75,000 $ 75,000 $ 57,000
Victoria, Texas 1 $ 545,000 $ 545,000 $ 183,000
Webb, Texas 1 $ 115,000 $ 115,000 $ 66,000
Salt Lake, Utah 1 $ 445,000 $ 445,000 $ 255,000
Bedford, Virginia 1 $ 315,000 $ 315,000 $ 659,000
Brunswick, Virginia 1 $ 365,000 $ 365,000 $ 102,000
Fluvanna, Virginia 1 $ 265,000 $ 265,000 $ 49,000
Henrico, Virginia 1 $ 265,000 $ 265,000 $ 54,000
Shenandoah, Virginia 1 $ 525,000 $ 525,000 $ 366,000
Tucker, West Virginia 1 $ 405,000 $ 405,000 $ 0

Mortgage Loan Application Detail Totals for University Federal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,423 $583,165,000 $409,000 $3,005,000 $202,000 $2,855,000
Cash-out Refinancing 620 $93,900,000 $151,000 $2,305,000 $143,000 $825,000
Refinancing 171 $74,255,000 $434,000 $4,405,000 $201,000 $1,149,000
Home Improvement 3 $895,000 $298,000 $505,000 $909,000 $2,000,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,165 $415,215,000 $356,000 $3,005,000 $193,000 $1,418,000
Hispanic 441 $111,225,000 $252,000 $1,915,000 $146,000 $2,000,000
Not Provided 307 $116,775,000 $380,000 $4,405,000 $204,000 $2,855,000
Asian 186 $78,550,000 $422,000 $1,605,000 $238,000 $1,121,000
Black or African American 104 $22,850,000 $219,000 $715,000 $139,000 $725,000
American Indian or Alaskan Native 12 $6,920,000 $576,000 $2,005,000 $248,000 $877,000
Native Hawaiian or Other Pacific Islander 2 $680,000 $340,000 $355,000 $212,000 $243,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,998 $677,640,000 $339,000 $4,405,000 $194,000 $2,855,000
FHA-insured (Federal Housing Administration) 171 $54,465,000 $318,000 $585,000 $110,000 $290,000
VA-guaranteed (Veterans Administration) 48 $20,110,000 $418,000 $1,535,000 $147,000 $517,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,540 $533,980,000 $346,000 $2,305,000 $191,000 $2,855,000
Application Withdrawn By Applicant 406 $153,050,000 $376,000 $3,005,000 $205,000 $2,000,000
Application Denied By Financial Institution 224 $49,800,000 $222,000 $4,405,000 $119,000 $911,000
File Closed For Incompleteness 47 $15,385,000 $327,000 $2,005,000 $202,000 $1,121,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,993 $702,415,000 $352,000 $3,005,000 $194,000 $2,855,000
Debt-To-Income Ratio 104 $21,900,000 $210,000 $1,975,000 $98,000 $442,000
Credit History 48 $7,050,000 $146,000 $725,000 $115,000 $376,000
Other 40 $12,290,000 $307,000 $4,405,000 $137,000 $663,000
Collateral 24 $7,000,000 $291,000 $1,245,000 $187,000 $911,000
Unverifiable Information 4 $850,000 $212,000 $515,000 $126,000 $290,000
Employment History 3 $565,000 $188,000 $275,000 $114,000 $161,000
Insufficient Cash (Downpayment, Closing Cost) 1 $145,000 $145,000 $145,000 $83,000 $83,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into University Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess University Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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