A+ Federal Credit Union mortgage approval rate & lending review
A+ Federal Credit Union decided 1,157 mortgage applications and funded 635 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions A+ Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
A+ Federal Credit Union at a glance
Approval is 8.4 points below the 69.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 138 / 148 | 83% | $305K | 114 |
| Home improvement loans | 55% | 340 / 618 | 95% | $85K | 323 |
| Cash-out refinance | 55% | 123 / 225 | 91% | $245K | 112 |
| Refinance | 51% | 57 / 111 | 75% | $125K | 43 |
A+ Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 61% | $85K | 1,154 | 635 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where A+ Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Home improvement loans | 58% | 264 | 145 |
| Williamson County, TX | Home improvement loans | 62% | 173 | 101 |
| Travis County, TX | Cash-out refinance | 55% | 102 | 53 |
| Williamson County, TX | Cash-out refinance | 57% | 65 | 31 |
| Hays County, TX | Home improvement loans | 61% | 46 | 26 |
| Travis County, TX | Refinance | 62% | 45 | 20 |
| Bastrop County, TX | Home improvement loans | 45% | 33 | 15 |
| Bell County, TX | Home improvement loans | 35% | 40 | 13 |
| Williamson County, TX | Refinance | 50% | 32 | 12 |
The county markets where A+ Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about A+ Federal Credit Union
What is A+ Federal Credit Union's mortgage approval rate?
A+ Federal Credit Union approved 60.6% of the 1,157 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points below the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan A+ Federal Credit Union offers?
Borrowers accepted 91% of the loans A+ Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does A+ Federal Credit Union make?
The typical home improvement loan loan A+ Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does A+ Federal Credit Union lend?
A+ Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Texas, Michigan and New Mexico.
Can I apply to A+ Federal Credit Union directly?
Yes. A+ Federal Credit Union is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show A+ Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how A+ Federal Credit Union treats applications, then get a rate quote from the lender.