A+ Federal Credit Union
A+ Federal Credit Union received 1,745 applications in 2025 and made 660 mortgages, in 172 counties across 26 states. The median rate its borrowers got was 6.875% on a median loan of $115,000. Of 1,429 decisions, 674 were denials — 47.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300AZ4UOXI3Q53W34 |
|---|---|
| Applications received | 1,745 |
| Mortgages made | 660 |
| Denied | 674 |
| Approved, not taken up | 95 |
| Withdrawn or incomplete | 316 |
| Loans bought from other lenders | 97 |
| Median rate spread over the prime offer rate | 0.5485 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 | 49 | 6.250% | $285,000 | 14.3% |
| Refinancing | 33 | 6.590% | $155,000 | 47.3% |
| Cash-out refinancing | 38 | 6.628% | $295,000 | 45.2% |
| Other purposes | 540 | 6.875% | $105,000 | 49.0% |
Where A+ Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Travis County, TX | 220 | 6.875% | 47.7% |
| Williamson County, TX | 174 | 6.745% | 43.6% |
| Hays County, TX | 55 | 6.740% | 42.6% |
| Bell County, TX | 42 | 6.990% | 49.5% |
| Bastrop County, TX | 28 | 6.990% | 54.4% |
| Burnet County, TX | 14 | 6.558% | 30.0% |
| Harris County, TX | 13 | 6.680% | 28.6% |
| Dallas County, TX | 10 | 6.870% | 35.3% |
| Bexar County, TX | 7 | Under 10 loans | 68.0% |
| Comal County, TX | 5 | Under 10 loans | 40.0% |
| Denton County, TX | 5 | Under 10 loans | 37.5% |
| Montgomery County, TX | 5 | Under 10 loans | 54.6% |
| Blanco County, TX | 4 | Under 10 loans | 60.0% |
| Collin County, TX | 4 | Under 10 loans | 54.6% |
| Coryell County, TX | 4 | Under 10 loans | 44.4% |
| Fort Bend County, TX | 4 | Under 10 loans | 50.0% |
| Tarrant County, TX | 4 | Under 10 loans | 37.5% |
| El Paso County, TX | 3 | Under 10 loans | 0.0% |
| Kaufman County, TX | 3 | Under 10 loans | 25.0% |
| Milam County, TX | 3 | Under 10 loans | 54.6% |
| Aransas County, TX | 2 | Under 10 loans | 60.0% |
| Caldwell County, TX | 2 | Under 10 loans | 57.1% |
| Colorado County, TX | 2 | Under 10 loans | 0.0% |
| Ellis County, TX | 2 | Under 10 loans | 33.3% |
| Fayette County, TX | 2 | Under 10 loans | 50.0% |
| Guadalupe County, TX | 2 | Under 10 loans | 40.0% |
| Johnson County, TX | 2 | Under 10 loans | 33.3% |
| Lavaca County, TX | 2 | Under 10 loans | 0.0% |
| Llano County, TX | 2 | Under 10 loans | 40.0% |
| McLennan County, TX | 2 | Under 10 loans | 50.0% |
| Mills County, TX | 2 | Under 10 loans | 0.0% |
| Nueces County, TX | 2 | Under 10 loans | 60.0% |
| Andrews County, TX | 1 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 0.0% |
| Austin County, TX | 1 | Under 10 loans | 50.0% |
| Bandera County, TX | 1 | Under 10 loans | 50.0% |
| Brazos County, TX | 1 | Under 10 loans | 50.0% |
| Falls County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 50.0% |
| Gonzales County, TX | 1 | Under 10 loans | 0.0% |
| Grimes County, TX | 1 | Under 10 loans | 0.0% |
| Hamilton County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 66.7% |
| Hill County, TX | 1 | Under 10 loans | 50.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Kendall County, TX | 1 | Under 10 loans | 50.0% |
| Lamar County, TX | 1 | Under 10 loans | 50.0% |
| Lampasas County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
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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.