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America'S Credit Union

GARLAND, TX

America'S Credit Union processed 109 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 63 loans with a 26.6% denial rate. Cash-out Refinancing was the primary loan purpose. Based in GARLAND, TX. The approval rate of 57.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. America'S Credit Union's 57.8% origination rate tells you how often an application turned into funded money; the 26.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (109 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

109
Applications
63
Originated
26.6%
Denial Rate
$219,862
Avg Loan Amount
Avg Interest Rate: 6.800% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 109 63 29 $219,862

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for America'S Credit Union (LEI: 254900H6Q0VRU6MPSX83) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
2
Other
1
Debt-to-income ratio
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Cash-out Refinancing 44 28 $217,727
Home Purchase 25 15 $342,600
Other 24 11 $85,000
Refinancing 16 9 $236,250

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 65 61.5% 20.0%
Black or African American * 23 56.5% 30.4%
Joint * 3 0.0% 100.0%
Asian * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 73 58.9% 21.9%
Hispanic or Latino * 21 52.4% 38.1%
Joint * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare America'S Credit Union vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did America'S Credit Union process?
America'S Credit Union processed 109 mortgage applications in the 2024 HMDA reporting year. Of these, 63 were originated (approved and funded), 11 were withdrawn by the applicant, and 29 were denied.
What is America'S Credit Union's mortgage approval rate?
America'S Credit Union has an approval (origination) rate of 57.8%, meaning 57.8% of all applications resulted in a funded mortgage. The denial rate is 26.6%.
What is the average loan amount at America'S Credit Union?
The average mortgage loan amount at America'S Credit Union is $219,862. The average interest rate is 6.800%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at America'S Credit Union?
The most common reasons for mortgage denial at America'S Credit Union are: Credit history, Other, Debt-to-income ratio. In total, 29 applications were denied out of 109 total applications.
What types of mortgage loans does America'S Credit Union offer?
America'S Credit Union processes Conventional loans. The most common type is Conventional with 109 applications and an average loan amount of $219,862.
What loan purposes does America'S Credit Union serve?
America'S Credit Union serves the following loan purposes: Cash-out Refinancing (44 applications), Home Purchase (25 applications), Other (24 applications), Refinancing (16 applications). Cash-out Refinancing is the most common purpose.
Where is America'S Credit Union located?
America'S Credit Union is headquartered in GARLAND, TX. The lender is identified by LEI 254900H6Q0VRU6MPSX83 in HMDA data.
How does America'S Credit Union compare in lending across racial demographics?
America'S Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 61.5% and denial rate of 20.0%; Black or African American applicants have an approval rate of 56.5% and denial rate of 30.4%; Joint applicants have an approval rate of 0.0% and denial rate of 100.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.