Lenders › A+ Federal Credit Union › Texas
A+ Federal Credit Union in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
A+ Federal Credit Union's 2024 HMDA record for Texas covers 1,494 applications, 638 of them originated, worth $84m.
Its denial rate in the state was 40.7%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 40.8%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | A+ Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 40.7% | 26.0% | 40.8% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.8% | — | 15.6% |
| Average originated loan | $132k | $350k | $132k | $329k |
| Home purchase share | 7.4% | 72.8% | 7.4% | 57.0% |
| FHA-insured share | 0.5% | 19.8% | 0.5% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 7% (47)Home improvement 13% (83)Refinancing 3% (19)Cash-out refinancing 7% (42)Other purpose 70% (447)
By type
Conventional 100% (635)FHA 0% (3)
Denial reasons as coded
Share of 510 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Travis County | 550 | 244 | $34m | 36.9% |
| Williamson County | 378 | 179 | $20m | 36.0% |
| Bell County | 117 | 52 | $4.9m | 44.1% |
| Hays County | 113 | 51 | $5.4m | 35.5% |
| Bastrop County | 49 | 17 | $1.9m | 53.7% |
| Harris County | 30 | 11 | $4.5m | 52.0% |
| Bexar County | 27 | 9 | $855k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did A+ Federal Credit Union originate in Texas in 2024?
638 loans totalling $84m, from 1,494 applications reported for properties in Texas.
What is A+ Federal Credit Union's denial rate in Texas?
40.7% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 40.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does A+ Federal Credit Union lend in most?
By originations: Travis County (244), Williamson County (179), Bell County (52), Hays County (51), Bastrop County (17).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.