A+ Federal Credit Union Mortgage Lending & HMDA Data, 2007
In 2007, A+ Federal Credit Union of Austin, TX reported 452 mortgage applications totaling $29.7 million, up 15% from 2006. The average application was for $65,792, and applicants reported an average income of $87,199. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Austin-Round Rock, TX (402), San Antonio, TX (9) and Houston-Sugar Land-Baytown, TX (7) (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 | 452 |
| Total Mortgage Loan Application Amount | $29,738,000 |
| Average Mortgage Loan Application Amount | $65,792 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $87,199 |
| Highest Applicant Income | $800,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 229 | $ 15,458,000 | $ 67,502 | $ 87,000 |
| Williamson, Texas | 118 | $ 7,117,000 | $ 60,313 | $ 88,000 |
| Hays, Texas | 37 | $ 2,598,000 | $ 70,216 | $ 78,000 |
| Bastrop, Texas | 15 | $ 1,010,000 | $ 67,333 | $ 84,000 |
| Burnet, Texas | 9 | $ 582,000 | $ 64,666 | $ 81,000 |
| Guadalupe, Texas | 6 | $ 344,000 | $ 57,333 | $ 90,000 |
| Brazos, Texas | 3 | $ 299,000 | $ 99,666 | $ 133,000 |
| Caldwell, Texas | 3 | $ 73,000 | $ 24,333 | $ 77,000 |
| Fort Bend, Texas | 3 | $ 308,000 | $ 102,666 | $ 96,000 |
| Cameron, Texas | 2 | $ 180,000 | $ 90,000 | $ 106,000 |
| Comal, Texas | 2 | $ 33,000 | $ 16,500 | $ 64,000 |
| Galveston, Texas | 2 | $ 202,000 | $ 101,000 | $ 118,000 |
| Harris, Texas | 2 | $ 89,000 | $ 44,500 | $ 43,000 |
| Lamar, Texas | 2 | $ 128,000 | $ 64,000 | $ 76,000 |
| Llano, Texas | 2 | $ 68,000 | $ 34,000 | $ 26,000 |
| Nueces, Texas | 2 | $ 164,000 | $ 82,000 | $ 136,000 |
| Smith, Texas | 2 | $ 312,000 | $ 156,000 | $ 117,000 |
| Aransas, Texas | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Bell, Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Bexar, Texas | 1 | $ 47,000 | $ 47,000 | $ 73,000 |
| Bosque, Texas | 1 | $ 64,000 | $ 64,000 | $ 132,000 |
| Falls, Texas | 1 | $ 34,000 | $ 34,000 | $ 58,000 |
| Fayette, Texas | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Hidalgo, Texas | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
| Lavaca, Texas | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Milam, Texas | 1 | $ 40,000 | $ 40,000 | $ 78,000 |
| Mills, Texas | 1 | $ 160,000 | $ 160,000 | $ 362,000 |
| San Patricio, Texas | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Taylor, Texas | 1 | $ 50,000 | $ 50,000 | $ 116,000 |
| Terry, Texas | 1 | $ 69,000 | $ 69,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2007
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 162 | $5,435,000 | $33,000 | $151,000 | $89,000 | $312,000 |
| Refinancing | 159 | $10,767,000 | $67,000 | $254,000 | $88,000 | $800,000 |
| Home Purchase | 131 | $13,536,000 | $103,000 | $417,000 | $84,000 | $222,000 |
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 | 350 | $23,242,000 | $66,000 | $417,000 | $93,000 | $800,000 |
| Hispanic | 80 | $4,702,000 | $58,000 | $207,000 | $65,000 | $163,000 |
| Not Provided | 11 | $1,089,000 | $99,000 | $250,000 | $79,000 | $117,000 |
| Black or African American | 10 | $605,000 | $60,000 | $165,000 | $73,000 | $123,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $150,000 | $150,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 451 | $29,728,000 | $65,000 | $417,000 | $87,000 | $800,000 |
| VA-guaranteed (Veterans Administration) | 1 | $10,000 | $10,000 | $10,000 | $47,000 | $47,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 345 | $24,275,000 | $70,000 | $417,000 | $88,000 | $362,000 |
| Application Denied By Financial Institution | 57 | $2,544,000 | $44,000 | $165,000 | $84,000 | $800,000 |
| Application Withdrawn By Applicant | 48 | $2,682,000 | $55,000 | $181,000 | $88,000 | $300,000 |
| File Closed For Incompleteness | 1 | $189,000 | $189,000 | $189,000 | $65,000 | $65,000 |
| Application Approved But Not Accepted | 1 | $48,000 | $48,000 | $48,000 | $57,000 | $57,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $1,145,000 | $38,000 | $165,000 | $97,000 | $800,000 |
| Debt-To-Income Ratio | 13 | $728,000 | $56,000 | $151,000 | $74,000 | $251,000 |
| Collateral | 6 | $168,000 | $28,000 | $100,000 | $77,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $162,000 | $162,000 | $162,000 | $42,000 | $42,000 |
| Other | 1 | $59,000 | $59,000 | $59,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2007 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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