A+ Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, A+ Federal Credit Union of Austin, TX reported 1,141 mortgage applications totaling $119.7 million, up 27% from 2011. The average application was for $104,937, and applicants reported an average income of $93,432. 55% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (1,034), San Antonio-New Braunfels, TX (26) and Houston-Sugar Land-Baytown, TX (18) (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 | 1,141 |
| Total Mortgage Loan Application Amount | $119,734,000 |
| Average Mortgage Loan Application Amount | $104,937 |
| Highest Mortgage Loan Application Amount | $460,000 |
| Average Applicant Income | $93,432 |
| Highest Applicant Income | $917,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 528 | $ 56,816,000 | $ 107,606 | $ 93,000 |
| Williamson, Texas | 337 | $ 35,865,000 | $ 106,424 | $ 92,000 |
| Hays, Texas | 110 | $ 12,116,000 | $ 110,145 | $ 102,000 |
| Bastrop, Texas | 41 | $ 3,915,000 | $ 95,487 | $ 91,000 |
| Caldwell, Texas | 18 | $ 1,211,000 | $ 67,277 | $ 76,000 |
| Harris, Texas | 16 | $ 1,418,000 | $ 88,625 | $ 95,000 |
| Bexar, Texas | 11 | $ 1,121,000 | $ 101,909 | $ 78,000 |
| Guadalupe, Texas | 9 | $ 850,000 | $ 94,444 | $ 110,000 |
| Burnet, Texas | 8 | $ 926,000 | $ 115,750 | $ 80,000 |
| Bell, Texas | 6 | $ 572,000 | $ 95,333 | $ 133,000 |
| Nueces, Texas | 5 | $ 505,000 | $ 101,000 | $ 70,000 |
| Comal, Texas | 4 | $ 228,000 | $ 57,000 | $ 108,000 |
| Denton, Texas | 3 | $ 244,000 | $ 81,333 | $ 111,000 |
| Lampasas, Texas | 3 | $ 140,000 | $ 46,666 | $ 66,000 |
| Lee, Texas | 3 | $ 165,000 | $ 55,000 | $ 54,000 |
| Blanco, Texas | 2 | $ 142,000 | $ 71,000 | $ 75,000 |
| Cameron, Texas | 2 | $ 111,000 | $ 55,500 | $ 69,000 |
| Dallas, Texas | 2 | $ 394,000 | $ 197,000 | $ 144,000 |
| Gillespie, Texas | 2 | $ 468,000 | $ 234,000 | $ 104,000 |
| Hidalgo, Texas | 2 | $ 50,000 | $ 25,000 | $ 80,000 |
| Webb, Texas | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| Bosque, Texas | 1 | $ 53,000 | $ 53,000 | $ 63,000 |
| Brazos, Texas | 1 | $ 119,000 | $ 119,000 | $ 150,000 |
| Cherokee, Texas | 1 | $ 210,000 | $ 210,000 | $ 91,000 |
| Coryell, Texas | 1 | $ 23,000 | $ 23,000 | $ 86,000 |
| Fort Bend, Texas | 1 | $ 130,000 | $ 130,000 | $ 92,000 |
| Freestone, Texas | 1 | $ 120,000 | $ 120,000 | $ 118,000 |
| Goliad, Texas | 1 | $ 180,000 | $ 180,000 | $ 133,000 |
| Gonzales, Texas | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Hamilton, Texas | 1 | $ 28,000 | $ 28,000 | $ 112,000 |
| Henderson, Texas | 1 | $ 138,000 | $ 138,000 | $ 132,000 |
| Johnson, Texas | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Kendall, Texas | 1 | $ 227,000 | $ 227,000 | $ 187,000 |
| Llano, Texas | 1 | $ 58,000 | $ 58,000 | $ 72,000 |
| Milam, Texas | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Montague, Texas | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Montgomery, Texas | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Reeves, Texas | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| San Patricio, Texas | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
| Smith, Texas | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Tarrant, Texas | 1 | $ 120,000 | $ 120,000 | $ 96,000 |
| Terry, Texas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Tom Green, Texas | 1 | $ 26,000 | $ 26,000 | $ 50,000 |
| Uvalde, Texas | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Wilson, Texas | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 692 | $82,887,000 | $119,000 | $460,000 | $93,000 | $730,000 |
| Home Purchase | 327 | $31,203,000 | $95,000 | $417,000 | $96,000 | $917,000 |
| Home Improvement | 122 | $5,644,000 | $46,000 | $200,000 | $89,000 | $438,000 |
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 | 761 | $78,726,000 | $103,000 | $460,000 | $97,000 | $917,000 |
| Hispanic | 225 | $22,651,000 | $100,000 | $417,000 | $81,000 | $280,000 |
| Not Provided | 78 | $11,038,000 | $141,000 | $400,000 | $103,000 | $500,000 |
| Black or African American | 58 | $5,197,000 | $89,000 | $292,000 | $75,000 | $208,000 |
| Asian | 13 | $1,263,000 | $97,000 | $320,000 | $92,000 | $225,000 |
| American Indian or Alaskan Native | 4 | $550,000 | $137,000 | $235,000 | $67,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $309,000 | $154,000 | $170,000 | $55,000 | $75,000 |
| 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) | 1,130 | $118,268,000 | $104,000 | $460,000 | $93,000 | $917,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,466,000 | $133,000 | $186,000 | $75,000 | $185,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 623 | $59,710,000 | $95,000 | $460,000 | $96,000 | $917,000 |
| Application Withdrawn By Applicant | 300 | $38,596,000 | $128,000 | $417,000 | $95,000 | $730,000 |
| Application Denied By Financial Institution | 200 | $19,563,000 | $97,000 | $417,000 | $80,000 | $673,000 |
| File Closed For Incompleteness | 17 | $1,773,000 | $104,000 | $215,000 | $106,000 | $188,000 |
| Application Approved But Not Accepted | 1 | $92,000 | $92,000 | $92,000 | $41,000 | $41,000 |
| 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 | 76 | $8,189,000 | $107,000 | $330,000 | $87,000 | $673,000 |
| Debt-To-Income Ratio | 59 | $6,379,000 | $108,000 | $417,000 | $65,000 | $300,000 |
| Collateral | 56 | $4,061,000 | $72,000 | $417,000 | $91,000 | $246,000 |
| Unverifiable Information | 2 | $55,000 | $27,000 | $45,000 | $46,000 | $60,000 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $48,000 | $48,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $237,000 | $237,000 | $237,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2012 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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