Associated Credit Union of Texas mortgage approval rate & lending review
Associated Credit Union of Texas decided 437 mortgage applications and funded 368 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Associated Credit Union of Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Associated Credit Union of Texas at a glance
Approval is 11.5 points above the 73.6% 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 | 97% | 65 / 67 | 97% | $265K | 63 |
| Cash-out refinance | 84% | 225 / 269 | 100% | $85K | 224 |
| Refinance | 73% | 40 / 55 | 100% | $95K | 40 |
Associated Credit Union of Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 85% | $85K | 437 | 368 |
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 Associated Credit Union of Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Galveston County, TX | Cash-out refinance | 88% | 108 | 94 |
| Harris County, TX | Cash-out refinance | 84% | 77 | 65 |
| Brazoria County, TX | Cash-out refinance | 80% | 64 | 51 |
| Galveston County, TX | Refinance | 68% | 22 | 15 |
The county markets where Associated Credit Union of Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Associated Credit Union of Texas
What is Associated Credit Union of Texas's mortgage approval rate?
Associated Credit Union of Texas approved 85.1% of the 437 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Associated Credit Union of Texas offers?
Borrowers accepted 99% of the loans Associated Credit Union of Texas approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Associated Credit Union of Texas make?
The typical cash-out refinance loan Associated Credit Union of Texas made was $85K; across all loan types its typical loan ran from $85K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Associated Credit Union of Texas lend?
Associated Credit Union of Texas decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Associated Credit Union of Texas directly?
Yes. Associated Credit Union of Texas is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Associated Credit Union of Texas'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 Associated Credit Union of Texas treats applications, then get a rate quote from the lender.