A+ Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, A+ Federal Credit Union of Austin, TX reported 1,925 mortgage applications totaling $290.8 million, up 6% from 2024. The average application was for $151,051, and applicants reported an average income of $139,014. 34% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Austin-Round Rock, TX (1,288), Killeen-Temple, TX (112) and Houston-The Woodlands-Sugar Land, TX (69) (applications in parentheses).

Mortgage Company & Address A+ Federal Credit Union
6420 US Hwy 290 East
Austin, TX 78723
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,925
Total Mortgage Loan Application Amount $290,775,000
Average Mortgage Loan Application Amount $151,051
Highest Mortgage Loan Application Amount $2,575,000
Average Applicant Income $139,014
Highest Applicant Income $3,180,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for A+ Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Travis, Texas 610 $ 93,940,000 $ 154,000 $ 154,000
Williamson, Texas 452 $ 59,220,000 $ 131,017 $ 131,000
Hays, Texas 133 $ 13,355,000 $ 100,413 $ 143,000
Bell, Texas 101 $ 10,045,000 $ 99,455 $ 90,000
Bastrop, Texas 83 $ 10,325,000 $ 124,397 $ 105,000
Harris, Texas 35 $ 5,775,000 $ 165,000 $ 251,000
Bexar, Texas 28 $ 2,950,000 $ 105,357 $ 128,000
Burnet, Texas 25 $ 3,345,000 $ 133,800 $ 123,000
Dallas, Texas 22 $ 4,500,000 $ 204,545 $ 195,000
Collin, Texas 15 $ 3,485,000 $ 232,333 $ 170,000
Montgomery, Texas 14 $ 1,740,000 $ 124,285 $ 165,000
Comal, Texas 11 $ 2,005,000 $ 182,272 $ 105,000
Denton, Texas 11 $ 1,265,000 $ 115,000 $ 211,000
Milam, Texas 11 $ 905,000 $ 82,272 $ 79,000
Blanco, Texas 10 $ 2,530,000 $ 253,000 $ 93,000
Caldwell, Texas 10 $ 820,000 $ 82,000 $ 91,000
Coryell, Texas 10 $ 1,000,000 $ 100,000 $ 74,000
Fort Bend, Texas 10 $ 1,140,000 $ 114,000 $ 164,000
Tarrant, Texas 10 $ 1,920,000 $ 192,000 $ 167,000
Nueces, Texas 7 $ 1,275,000 $ 182,142 $ 228,000
Guadalupe, Texas 6 $ 810,000 $ 135,000 $ 92,000
Llano, Texas 6 $ 600,000 $ 100,000 $ 93,000
Aransas, Texas 5 $ 475,000 $ 95,000 $ 99,000
Fayette, Texas 5 $ 815,000 $ 163,000 $ 127,000
Hidalgo, Texas 5 $ 3,115,000 $ 623,000 $ 168,000
Johnson, Texas 5 $ 655,000 $ 131,000 $ 137,000
Lee, Texas 5 $ 775,000 $ 155,000 $ 201,000
Callahan, Texas 4 $ 140,000 $ 35,000 $ 19,000
Cameron, Texas 4 $ 250,000 $ 62,500 $ 127,000
Galveston, Texas 4 $ 700,000 $ 175,000 $ 181,000
Kaufman, Texas 4 $ 530,000 $ 132,500 $ 114,000
McLennan, Texas 4 $ 390,000 $ 97,500 $ 110,000
Colorado, Texas 3 $ 655,000 $ 218,333 $ 110,000
El Paso, Texas 3 $ 155,000 $ 51,666 $ 92,000
Ellis, Texas 3 $ 335,000 $ 111,666 $ 128,000
Hunt, Texas 3 $ 625,000 $ 208,333 $ 0
Medina, Texas 3 $ 885,000 $ 295,000 $ 134,000
Potter, Texas 3 $ 75,000 $ 25,000 $ 15,000
Smith, Texas 3 $ 215,000 $ 71,666 $ 72,000
Ward, Texas 3 $ 325,000 $ 108,333 $ 185,000
Washington, Texas 3 $ 545,000 $ 181,666 $ 131,000
Webb, Texas 3 $ 365,000 $ 121,666 $ 62,000
Kern, California 2 $ 500,000 $ 250,000 $ 0
Gibson, Tennessee 2 $ 460,000 $ 230,000 $ 0
Atascosa, Texas 2 $ 280,000 $ 140,000 $ 32,000
Austin, Texas 2 $ 280,000 $ 140,000 $ 69,000
Bandera, Texas 2 $ 280,000 $ 140,000 $ 92,000
Brazos, Texas 2 $ 140,000 $ 70,000 $ 81,000
Gaines, Texas 2 $ 160,000 $ 80,000 $ 185,000
Gonzales, Texas 2 $ 360,000 $ 180,000 $ 236,000
Hamilton, Texas 2 $ 180,000 $ 90,000 $ 181,000
Henderson, Texas 2 $ 440,000 $ 220,000 $ 145,000
Hill, Texas 2 $ 100,000 $ 50,000 $ 117,000
Hood, Texas 2 $ 1,300,000 $ 650,000 $ 0
Kendall, Texas 2 $ 560,000 $ 280,000 $ 397,000
Lamar, Texas 2 $ 220,000 $ 110,000 $ 44,000
Lavaca, Texas 2 $ 180,000 $ 90,000 $ 115,000
McCulloch, Texas 2 $ 290,000 $ 145,000 $ 0
Mills, Texas 2 $ 480,000 $ 240,000 $ 121,000
Parker, Texas 2 $ 200,000 $ 100,000 $ 82,000
Trinity, Texas 2 $ 350,000 $ 175,000 $ 119,000
Upshur, Texas 2 $ 320,000 $ 160,000 $ 182,000
Clark, Washington 2 $ 710,000 $ 355,000 $ 0
Walker, Alabama 1 $ 155,000 $ 155,000 $ 0
Mohave, Arizona 1 $ 85,000 $ 85,000 $ 0
Stanislaus, California 1 $ 205,000 $ 205,000 $ 0
El Paso, Colorado 1 $ 185,000 $ 185,000 $ 0
Bay, Florida 1 $ 225,000 $ 225,000 $ 0
Charlotte, Florida 1 $ 285,000 $ 285,000 $ 0
Clay, Florida 1 $ 255,000 $ 255,000 $ 0
Liberty, Florida 1 $ 315,000 $ 315,000 $ 0
Marion, Florida 1 $ 175,000 $ 175,000 $ 0
Palm Beach, Florida 1 $ 125,000 $ 125,000 $ 0
Pasco, Florida 1 $ 225,000 $ 225,000 $ 0
St. Johns, Florida 1 $ 265,000 $ 265,000 $ 0
Sumter, Florida 1 $ 155,000 $ 155,000 $ 0
Madison, Georgia 1 $ 215,000 $ 215,000 $ 0
Jefferson, Idaho 1 $ 165,000 $ 165,000 $ 0
Ford, Kansas 1 $ 295,000 $ 295,000 $ 0
Grayson, Kentucky 1 $ 165,000 $ 165,000 $ 0
Leslie, Kentucky 1 $ 75,000 $ 75,000 $ 0
Mercer, Kentucky 1 $ 135,000 $ 135,000 $ 0
Perry, Kentucky 1 $ 155,000 $ 155,000 $ 0
Pulaski, Kentucky 1 $ 165,000 $ 165,000 $ 0
Calcasieu, Louisiana 1 $ 225,000 $ 225,000 $ 0
St. Helena, Louisiana 1 $ 295,000 $ 295,000 $ 0
Terrebonne, Louisiana 1 $ 175,000 $ 175,000 $ 0
Newaygo, Michigan 1 $ 225,000 $ 225,000 $ 0
Washtenaw, Michigan 1 $ 215,000 $ 215,000 $ 0
Wayne, Michigan 1 $ 45,000 $ 45,000 $ 71,000
Panola, Mississippi 1 $ 125,000 $ 125,000 $ 67,000
Rankin, Mississippi 1 $ 165,000 $ 165,000 $ 0
Jefferson, Missouri 1 $ 135,000 $ 135,000 $ 0
Flathead, Montana 1 $ 375,000 $ 375,000 $ 0
Sandoval, New Mexico 1 $ 305,000 $ 305,000 $ 198,000
McDowell, North Carolina 1 $ 105,000 $ 105,000 $ 0
Pender, North Carolina 1 $ 305,000 $ 305,000 $ 0
Randolph, North Carolina 1 $ 145,000 $ 145,000 $ 0
Robeson, North Carolina 1 $ 135,000 $ 135,000 $ 0
Rutherford, North Carolina 1 $ 95,000 $ 95,000 $ 0
Ashland, Ohio 1 $ 65,000 $ 65,000 $ 0
Richland, Ohio 1 $ 125,000 $ 125,000 $ 0
Cotton, Oklahoma 1 $ 75,000 $ 75,000 $ 0
Logan, Oklahoma 1 $ 105,000 $ 105,000 $ 0
Pottawatomie, Oklahoma 1 $ 215,000 $ 215,000 $ 0
Seminole, Oklahoma 1 $ 225,000 $ 225,000 $ 0
Douglas, Oregon 1 $ 205,000 $ 205,000 $ 0
Klamath, Oregon 1 $ 245,000 $ 245,000 $ 0
Lane, Oregon 1 $ 225,000 $ 225,000 $ 0
Clarion, Pennsylvania 1 $ 75,000 $ 75,000 $ 0
Crawford, Pennsylvania 1 $ 115,000 $ 115,000 $ 0
Cumberland, Pennsylvania 1 $ 75,000 $ 75,000 $ 0
Lancaster, Pennsylvania 1 $ 125,000 $ 125,000 $ 0
Lebanon, Pennsylvania 1 $ 65,000 $ 65,000 $ 0
Wayne, Pennsylvania 1 $ 235,000 $ 235,000 $ 0
Horry, South Carolina 1 $ 375,000 $ 375,000 $ 0
Lexington, South Carolina 1 $ 215,000 $ 215,000 $ 0
Crockett, Tennessee 1 $ 135,000 $ 135,000 $ 0
Decatur, Tennessee 1 $ 185,000 $ 185,000 $ 0
Henry, Tennessee 1 $ 45,000 $ 45,000 $ 0
Madison, Tennessee 1 $ 45,000 $ 45,000 $ 0
Weakley, Tennessee 1 $ 165,000 $ 165,000 $ 0
Andrews, Texas 1 $ 65,000 $ 65,000 $ 85,000
Angelina, Texas 1 $ 45,000 $ 45,000 $ 93,000
Bee, Texas 1 $ 105,000 $ 105,000 $ 142,000
Bosque, Texas 1 $ 25,000 $ 25,000 $ 80,000
Bowie, Texas 1 $ 245,000 $ 245,000 $ 558,000
Brazoria, Texas 1 $ 375,000 $ 375,000 $ 0
Brown, Texas 1 $ 535,000 $ 535,000 $ 0
Burleson, Texas 1 $ 155,000 $ 155,000 $ 0
DeWitt, Texas 1 $ 85,000 $ 85,000 $ 70,000
Falls, Texas 1 $ 155,000 $ 155,000 $ 122,000
Gillespie, Texas 1 $ 175,000 $ 175,000 $ 101,000
Grayson, Texas 1 $ 105,000 $ 105,000 $ 91,000
Grimes, Texas 1 $ 245,000 $ 245,000 $ 69,000
Harrison, Texas 1 $ 175,000 $ 175,000 $ 0
Jones, Texas 1 $ 85,000 $ 85,000 $ 69,000
Lampasas, Texas 1 $ 115,000 $ 115,000 $ 90,000
Leon, Texas 1 $ 55,000 $ 55,000 $ 96,000
Liberty, Texas 1 $ 225,000 $ 225,000 $ 0
Limestone, Texas 1 $ 295,000 $ 295,000 $ 0
Lubbock, Texas 1 $ 265,000 $ 265,000 $ 0
Madison, Texas 1 $ 15,000 $ 15,000 $ 109,000
Maverick, Texas 1 $ 195,000 $ 195,000 $ 194,000
Midland, Texas 1 $ 555,000 $ 555,000 $ 0
Nacogdoches, Texas 1 $ 205,000 $ 205,000 $ 0
Navarro, Texas 1 $ 95,000 $ 95,000 $ 52,000
Polk, Texas 1 $ 65,000 $ 65,000 $ 92,000
Randall, Texas 1 $ 315,000 $ 315,000 $ 0
San Jacinto, Texas 1 $ 155,000 $ 155,000 $ 0
San Patricio, Texas 1 $ 5,000 $ 5,000 $ 50,000
Shelby, Texas 1 $ 5,000 $ 5,000 $ 42,000
Starr, Texas 1 $ 155,000 $ 155,000 $ 75,000
Stephens, Texas 1 $ 55,000 $ 55,000 $ 72,000
Taylor, Texas 1 $ 95,000 $ 95,000 $ 49,000
Tom Green, Texas 1 $ 1,825,000 $ 1,825,000 $ 0
Victoria, Texas 1 $ 45,000 $ 45,000 $ 127,000
Walker, Texas 1 $ 85,000 $ 85,000 $ 58,000
Waller, Texas 1 $ 55,000 $ 55,000 $ 101,000
Wichita, Texas 1 $ 175,000 $ 175,000 $ 0
Wise, Texas 1 $ 75,000 $ 75,000 $ 130,000
Wood, Texas 1 $ 25,000 $ 25,000 $ 46,000
Young, Texas 1 $ 25,000 $ 25,000 $ 44,000
Kitsap, Washington 1 $ 455,000 $ 455,000 $ 0
Mason, Washington 1 $ 445,000 $ 445,000 $ 0
San Juan, Washington 1 $ 405,000 $ 405,000 $ 0
Spokane, Washington 1 $ 465,000 $ 465,000 $ 82,000
Berkeley, West Virginia 1 $ 25,000 $ 25,000 $ 0
Lewis, West Virginia 1 $ 135,000 $ 135,000 $ 446,000
Monongalia, West Virginia 1 $ 105,000 $ 105,000 $ 0
Morgan, West Virginia 1 $ 135,000 $ 135,000 $ 0
Natrona, Wyoming 1 $ 245,000 $ 245,000 $ 0

Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other Purpose 1,221 $128,495,000 $105,000 $1,405,000 $133,000 $3,180,000
Home Purchase 246 $68,880,000 $280,000 $1,655,000 $147,000 $559,000
Home Improvement 244 $25,900,000 $106,000 $775,000 $155,000 $2,400,000
Refinancing 115 $34,795,000 $302,000 $2,575,000 $145,000 $1,176,000
Cash-out Refinancing 99 $32,705,000 $330,000 $1,825,000 $147,000 $720,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 830 $122,280,000 $147,000 $1,655,000 $154,000 $3,180,000
Hispanic 411 $50,245,000 $122,000 $705,000 $115,000 $2,400,000
Not Provided 316 $49,950,000 $158,000 $2,575,000 $124,000 $1,176,000
Black or African American 140 $18,440,000 $131,000 $725,000 $121,000 $460,000
Not applicable 122 $30,820,000 $252,000 $1,825,000 $0 $0
Asian 78 $16,160,000 $207,000 $1,205,000 $182,000 $422,000
American Indian or Alaskan Native 27 $2,805,000 $103,000 $355,000 $156,000 $900,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $265,000 $265,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,910 $286,720,000 $150,000 $2,575,000 $139,000 $3,180,000
FHA-insured (Federal Housing Administration) 15 $4,055,000 $270,000 $415,000 $96,000 $176,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 675 $78,815,000 $116,000 $1,825,000 $117,000 $900,000
Loan Originated 660 $97,420,000 $147,000 $995,000 $142,000 $1,654,000
Application Withdrawn By Applicant 266 $46,330,000 $174,000 $2,575,000 $190,000 $3,180,000
Loan Purchased By The Institution 97 $19,265,000 $198,000 $455,000 $0 $0
Application Approved But Not Accepted 95 $11,455,000 $120,000 $595,000 $124,000 $704,000
Preapproval Approved but not Accepted 67 $23,215,000 $346,000 $1,655,000 $144,000 $432,000
File Closed For Incompleteness 52 $9,520,000 $183,000 $725,000 $152,000 $400,000
Preapproval Denied by Financial Institution 13 $4,755,000 $365,000 $705,000 $111,000 $253,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,237 $207,205,000 $167,000 $2,575,000 $152,000 $3,180,000
Debt-To-Income Ratio 207 $31,305,000 $151,000 $725,000 $73,000 $460,000
Credit History 160 $15,720,000 $98,000 $595,000 $108,000 $362,000
Other 156 $15,920,000 $102,000 $505,000 $168,000 $900,000
Collateral 132 $14,280,000 $108,000 $675,000 $138,000 $475,000
Unverifiable Information 21 $2,475,000 $117,000 $505,000 $96,000 $510,000
Employment History 5 $965,000 $193,000 $705,000 $77,000 $191,000
Insufficient Cash (Downpayment, Closing Cost) 5 $2,555,000 $511,000 $1,825,000 $113,000 $136,000
Credit Application Incomplete 2 $350,000 $175,000 $245,000 $93,000 $130,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess A+ Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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