A+ Federal Credit Union in Texas vs the state
38.5%Denial rate+19.02 pts vs state
47.0%Decision denial rate+22.08 pts vs state
37.9%Origination rate-16.95 pts vs state
6.88%Median rate+0.38 pts vs state
0.55Rate spread (pts)+0.36 pts vs state
$110kMedian applicant income
660Loans originated
669Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,446 | 528 | 34.2% | 7.38% | #114 |
| 2024 | 1,494 | 638 | 34.1% | 7.00% | #121 |
| 2025 | 1,740 | 660 | 38.5% | 6.88% | #115 |
What A+ Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most A+ Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 608 | 220 | 231 | 38.0% |
| Williamson County | 452 | 174 | 157 | 34.7% |
| Hays County | 133 | 55 | 49 | 36.8% |
| Bell County | 100 | 42 | 45 | 45.0% |
| Bastrop County | 79 | 28 | 37 | 46.8% |
| Harris County | 35 | 13 | 6 | 17.1% |
| Bexar County | 28 | 7 | 17 | 60.7% |
| Burnet County | 25 | 14 | 6 | 24.0% |
| Dallas County | 22 | 10 | 6 | 27.3% |
| Collin County | 15 | 4 | 6 | 40.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,740 applications in 2025, of which 660 were originated and 669 denied.
38.5% of all applications, or 47.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans A+ Federal Credit Union originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are A+ Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology