Applications / Mortgage Analytics / Lenders / Texas / A+ Federal Credit Union
Austin, TX · Credit union · NCUA · $2.6 billion assets · 660 loans in 2025
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660
loans originated, 2025
1,748
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
A+ Federal Credit Union is an Austin credit union whose lending is mostly for purposes other than buying or refinancing a home, with more of it to LMI (low- and moderate-income) borrowers and areas than about four in five similar lenders.
Other purposes made up 69.2% of its loans, home improvement 12.6%, refinances 10.8% and home purchases 7.4%. Almost all of it, 99.4%, was conventional. Its typical loan, $115,000, was near the middle of similar lenders (credit unions making between half and twice as many loans).
LMI borrowers took 35.6% of its loans, against 26.9% at similar lenders, and LMI areas 20.5%, against 15.1%; both are higher than about four in five peers. Majority-minority areas took 40.6%, against 10.8% at peers, down from 47.3% in 2024. The make-up of Austin and the other Texas markets it serves is one possible reason.
It bought 97 loans in 2025, where the typical similar lender bought none. That is fewer than the 232 of 2024 and the 321 of 2020.
Originations rose 3% to 660, against 6% at similar lenders and 10% for the whole market. In Austin-Round Rock-San Marcos, its home market since before 1990, it ranked 71 of 753 lenders with an unchanged 0.3% share. It made 1,246 loans in 2021 and 528 in 2023.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. A+ Federal Credit Union took 1,748 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 69.2% · Home improvement 12.6% · Refinance 10.8% · Purchase 7.4%
Conventional 99.4% · FHA 0.6% · of 660 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 660 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 479 |
| Killeen-Temple | 47 |
| Houston-Pasadena-The Woodlands | 25 |
| Dallas-Plano-Irving | 24 |
| San Antonio-New Braunfels | 17 |
| Fort Worth-Arlington-Grapevine | 7 |
| Corpus Christi | 4 |
| El Paso | 3 |
| Waco | 3 |
| Abilene | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AZ4UOXI3Q53W34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 775380 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56178 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: A+ Federal Credit Union's data.
A+ Federal Credit Union's data
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A+ Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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