A+ Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, A+ Federal Credit Union of Austin, TX reported 1,307 mortgage applications totaling $142.3 million, up 15% from 2012. The average application was for $108,870, and applicants reported an average income of $96,585. 42% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (1,157), San Antonio-New Braunfels, TX (29) and Killeen-Temple-Fort Hood, TX (20) (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 | 1,307 |
| Total Mortgage Loan Application Amount | $142,294,000 |
| Average Mortgage Loan Application Amount | $108,870 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $96,585 |
| Highest Applicant Income | $736,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 623 | $ 71,850,000 | $ 115,329 | $ 95,000 |
| Williamson, Texas | 388 | $ 42,566,000 | $ 109,706 | $ 95,000 |
| Hays, Texas | 106 | $ 10,710,000 | $ 101,037 | $ 106,000 |
| Bastrop, Texas | 33 | $ 3,448,000 | $ 104,484 | $ 89,000 |
| Burnet, Texas | 16 | $ 1,205,000 | $ 75,312 | $ 108,000 |
| Bexar, Texas | 15 | $ 1,762,000 | $ 117,466 | $ 237,000 |
| Bell, Texas | 12 | $ 1,012,000 | $ 84,333 | $ 60,000 |
| Guadalupe, Texas | 8 | $ 540,000 | $ 67,500 | $ 78,000 |
| Harris, Texas | 8 | $ 799,000 | $ 99,875 | $ 91,000 |
| Caldwell, Texas | 7 | $ 544,000 | $ 77,714 | $ 98,000 |
| Dallas, Texas | 7 | $ 552,000 | $ 78,857 | $ 64,000 |
| Hidalgo, Texas | 7 | $ 516,000 | $ 73,714 | $ 91,000 |
| Lampasas, Texas | 5 | $ 301,000 | $ 60,200 | $ 69,000 |
| Brazos, Texas | 4 | $ 301,000 | $ 75,250 | $ 66,000 |
| Comal, Texas | 4 | $ 364,000 | $ 91,000 | $ 136,000 |
| Fayette, Texas | 4 | $ 370,000 | $ 92,500 | $ 73,000 |
| Galveston, Texas | 4 | $ 214,000 | $ 53,500 | $ 93,000 |
| Collin, Texas | 3 | $ 243,000 | $ 81,000 | $ 83,000 |
| Coryell, Texas | 3 | $ 152,000 | $ 50,666 | $ 66,000 |
| Llano, Texas | 3 | $ 395,000 | $ 131,666 | $ 132,000 |
| Nueces, Texas | 3 | $ 166,000 | $ 55,333 | $ 86,000 |
| Taylor, Texas | 3 | $ 170,000 | $ 56,666 | $ 98,000 |
| Blanco, Texas | 2 | $ 135,000 | $ 67,500 | $ 73,000 |
| Burleson, Texas | 2 | $ 90,000 | $ 45,000 | $ 76,000 |
| Denton, Texas | 2 | $ 72,000 | $ 36,000 | $ 73,000 |
| Freestone, Texas | 2 | $ 252,000 | $ 126,000 | $ 73,000 |
| Lee, Texas | 2 | $ 80,000 | $ 40,000 | $ 54,000 |
| Mason, Texas | 2 | $ 453,000 | $ 226,500 | $ 118,000 |
| Milam, Texas | 2 | $ 166,000 | $ 83,000 | $ 95,000 |
| Montgomery, Texas | 2 | $ 233,000 | $ 116,500 | $ 82,000 |
| Tarrant, Texas | 2 | $ 340,000 | $ 170,000 | $ 106,000 |
| Van Zandt, Texas | 2 | $ 248,000 | $ 124,000 | $ 137,000 |
| Bandera, Texas | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Brazoria, Texas | 1 | $ 39,000 | $ 39,000 | $ 36,000 |
| Cameron, Texas | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Edwards, Texas | 1 | $ 214,000 | $ 214,000 | $ 38,000 |
| El Paso, Texas | 1 | $ 143,000 | $ 143,000 | $ 176,000 |
| Franklin, Texas | 1 | $ 67,000 | $ 67,000 | $ 89,000 |
| Gillespie, Texas | 1 | $ 240,000 | $ 240,000 | $ 151,000 |
| Henderson, Texas | 1 | $ 58,000 | $ 58,000 | $ 88,000 |
| Hill, Texas | 1 | $ 149,000 | $ 149,000 | $ 78,000 |
| Kaufman, Texas | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Kendall, Texas | 1 | $ 160,000 | $ 160,000 | $ 67,000 |
| Kerr, Texas | 1 | $ 73,000 | $ 73,000 | $ 72,000 |
| Lavaca, Texas | 1 | $ 256,000 | $ 256,000 | $ 127,000 |
| Martin, Texas | 1 | $ 63,000 | $ 63,000 | $ 322,000 |
| Robertson, Texas | 1 | $ 16,000 | $ 16,000 | $ 20,000 |
| San Saba, Texas | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Tom Green, Texas | 1 | $ 37,000 | $ 37,000 | $ 58,000 |
| Uvalde, Texas | 1 | $ 40,000 | $ 40,000 | $ 144,000 |
| Victoria, Texas | 1 | $ 131,000 | $ 131,000 | $ 89,000 |
| Walker, Texas | 1 | $ 53,000 | $ 53,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2013
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 | 689 | $81,814,000 | $118,000 | $1,750,000 | $89,000 | $736,000 |
| Home Improvement | 346 | $19,780,000 | $57,000 | $360,000 | $98,000 | $500,000 |
| Home Purchase | 272 | $40,700,000 | $149,000 | $417,000 | $114,000 | $468,000 |
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 | 839 | $91,625,000 | $109,000 | $795,000 | $100,000 | $500,000 |
| Hispanic | 273 | $25,482,000 | $93,000 | $417,000 | $88,000 | $468,000 |
| Not Provided | 115 | $15,559,000 | $135,000 | $1,750,000 | $98,000 | $736,000 |
| Black or African American | 59 | $6,081,000 | $103,000 | $552,000 | $76,000 | $184,000 |
| Asian | 17 | $2,762,000 | $162,000 | $400,000 | $106,000 | $225,000 |
| American Indian or Alaskan Native | 2 | $400,000 | $200,000 | $200,000 | $52,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $385,000 | $192,000 | $285,000 | $131,000 | $226,000 |
| 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) | 1,294 | $140,329,000 | $108,000 | $1,750,000 | $97,000 | $736,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,417,000 | $141,000 | $280,000 | $84,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 2 | $448,000 | $224,000 | $310,000 | $128,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $100,000 | $100,000 | $100,000 | $55,000 | $55,000 |
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 | 550 | $59,646,000 | $108,000 | $552,000 | $107,000 | $500,000 |
| Application Withdrawn By Applicant | 361 | $49,726,000 | $137,000 | $1,750,000 | $97,000 | $736,000 |
| Application Denied By Financial Institution | 316 | $27,100,000 | $85,000 | $400,000 | $75,000 | $379,000 |
| File Closed For Incompleteness | 41 | $2,856,000 | $69,000 | $360,000 | $94,000 | $300,000 |
| Application Approved But Not Accepted | 39 | $2,966,000 | $76,000 | $300,000 | $113,000 | $406,000 |
| 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 | 129 | $11,919,000 | $92,000 | $400,000 | $77,000 | $379,000 |
| Collateral | 98 | $5,618,000 | $57,000 | $300,000 | $86,000 | $295,000 |
| Debt-To-Income Ratio | 69 | $7,387,000 | $107,000 | $395,000 | $52,000 | $175,000 |
| Other | 5 | $292,000 | $58,000 | $100,000 | $95,000 | $194,000 |
| Employment History | 4 | $488,000 | $122,000 | $135,000 | $81,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $174,000 | $174,000 | $174,000 | $35,000 | $35,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $63,000 | $63,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2013 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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