UNION SQUARE CREDIT UNION
UNION SQUARE CREDIT UNION received 312 applications in 2025 and made 223 mortgages, in 36 counties across 7 states. The median rate its borrowers got was 6.625% on a median loan of $195,000. Of 264 decisions, 31 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z2FPZZD55OG155 |
|---|---|
| Applications received | 312 |
| Mortgages made | 223 |
| Denied | 31 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0345 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 130 | 6.500% | $195,000 | 6.8% |
| Refinancing | 47 | 6.750% | $245,000 | 9.3% |
| Cash-out refinancing | 25 | 6.875% | $175,000 | 34.2% |
| Other purposes | 21 | 7.250% | $155,000 | 12.5% |
Where UNION SQUARE CREDIT UNION lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wichita County, TX | 158 | 6.750% | 10.8% |
| Archer County, TX | 21 | 6.500% | 8.0% |
| Clay County, TX | 15 | 6.500% | 6.3% |
| Tarrant County, TX | 4 | Under 10 loans | 0.0% |
| Denton County, TX | 3 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Stephens County, OK | 2 | Under 10 loans | 0.0% |
| Potter County, TX | 2 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Cotton County, OK | 1 | Under 10 loans | 0.0% |
| Grady County, OK | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Childress County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Hartley County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Montague County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Wilbarger County, TX | 1 | Under 10 loans | 50.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 0 | Under 10 loans | 100.0% |
| Custer County, OK | 0 | Under 10 loans | Not published |
| Pontotoc County, OK | 0 | Under 10 loans | 100.0% |
| Baylor County, TX | 0 | Under 10 loans | Not published |
| Gregg County, TX | 0 | Under 10 loans | 100.0% |
| Hardeman County, TX | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | Not published |
| Montgomery County, TX | 0 | Under 10 loans | 100.0% |
| Wheeler County, TX | 0 | Under 10 loans | 100.0% |
| Young County, TX | 0 | Under 10 loans | Not published |
| Virginia Beach city, VA | 0 | Under 10 loans | Not published |
| Sheboygan County, WI | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.