A+ Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, A+ Federal Credit Union of Austin, TX reported 1,211 mortgage applications totaling $127.3 million, down 7% from 2013. The average application was for $105,134, and applicants reported an average income of $91,793. 45% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Austin-Round Rock, TX (1,078), San Antonio-New Braunfels, TX (30) and Houston-The Woodlands-Sugar Land, TX (23) (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 | 1,211 |
| Total Mortgage Loan Application Amount | $127,318,000 |
| Average Mortgage Loan Application Amount | $105,134 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $91,793 |
| Highest Applicant Income | $686,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 561 | $ 60,300,000 | $ 107,486 | $ 93,000 |
| Williamson, Texas | 342 | $ 37,850,000 | $ 110,672 | $ 97,000 |
| Hays, Texas | 121 | $ 11,890,000 | $ 98,264 | $ 86,000 |
| Bastrop, Texas | 41 | $ 2,951,000 | $ 71,975 | $ 84,000 |
| Harris, Texas | 14 | $ 1,301,000 | $ 92,928 | $ 129,000 |
| Caldwell, Texas | 13 | $ 1,005,000 | $ 77,307 | $ 81,000 |
| Bexar, Texas | 12 | $ 1,510,000 | $ 125,833 | $ 79,000 |
| Burnet, Texas | 12 | $ 1,325,000 | $ 110,416 | $ 93,000 |
| Guadalupe, Texas | 10 | $ 1,032,000 | $ 103,200 | $ 53,000 |
| Bell, Texas | 8 | $ 708,000 | $ 88,500 | $ 108,000 |
| Comal, Texas | 7 | $ 1,195,000 | $ 170,714 | $ 98,000 |
| Cameron, Texas | 5 | $ 267,000 | $ 53,400 | $ 72,000 |
| Lee, Texas | 5 | $ 688,000 | $ 137,600 | $ 96,000 |
| Tarrant, Texas | 5 | $ 950,000 | $ 190,000 | $ 90,000 |
| Webb, Texas | 4 | $ 204,000 | $ 51,000 | $ 59,000 |
| Coryell, Texas | 3 | $ 91,000 | $ 30,333 | $ 62,000 |
| Hill, Texas | 3 | $ 193,000 | $ 64,333 | $ 43,000 |
| Llano, Texas | 3 | $ 156,000 | $ 52,000 | $ 60,000 |
| Montgomery, Texas | 3 | $ 191,000 | $ 63,666 | $ 68,000 |
| Brazoria, Texas | 2 | $ 383,000 | $ 191,500 | $ 68,000 |
| Brazos, Texas | 2 | $ 329,000 | $ 164,500 | $ 94,000 |
| Collin, Texas | 2 | $ 82,000 | $ 41,000 | $ 79,000 |
| Dallas, Texas | 2 | $ 79,000 | $ 39,500 | $ 101,000 |
| Fayette, Texas | 2 | $ 106,000 | $ 53,000 | $ 104,000 |
| Fort Bend, Texas | 2 | $ 299,000 | $ 149,500 | $ 94,000 |
| Galveston, Texas | 2 | $ 345,000 | $ 172,500 | $ 89,000 |
| Hidalgo, Texas | 2 | $ 148,000 | $ 74,000 | $ 133,000 |
| Lampasas, Texas | 2 | $ 52,000 | $ 26,000 | $ 39,000 |
| Live Oak, Texas | 2 | $ 146,000 | $ 73,000 | $ 155,000 |
| Milam, Texas | 2 | $ 93,000 | $ 46,500 | $ 45,000 |
| Nueces, Texas | 2 | $ 169,000 | $ 84,500 | $ 128,000 |
| Wood, Texas | 2 | $ 144,000 | $ 72,000 | $ 58,000 |
| Bandera, Texas | 1 | $ 80,000 | $ 80,000 | $ 92,000 |
| Culberson, Texas | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Ector, Texas | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| El Paso, Texas | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Gregg, Texas | 1 | $ 170,000 | $ 170,000 | $ 75,000 |
| Matagorda, Texas | 1 | $ 98,000 | $ 98,000 | $ 110,000 |
| Randall, Texas | 1 | $ 148,000 | $ 148,000 | $ 80,000 |
| Refugio, Texas | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| San Jacinto, Texas | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| San Saba, Texas | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Smith, Texas | 1 | $ 70,000 | $ 70,000 | $ 131,000 |
| Taylor, Texas | 1 | $ 59,000 | $ 59,000 | $ 78,000 |
| Washington, Texas | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2014
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 | 516 | $27,633,000 | $53,000 | $417,000 | $90,000 | $686,000 |
| Refinancing | 391 | $48,661,000 | $124,000 | $500,000 | $94,000 | $400,000 |
| Home Purchase | 304 | $51,024,000 | $167,000 | $3,400,000 | $92,000 | $425,000 |
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 | 703 | $76,587,000 | $108,000 | $3,400,000 | $94,000 | $686,000 |
| Hispanic | 262 | $24,584,000 | $93,000 | $500,000 | $83,000 | $425,000 |
| Not Provided | 163 | $17,450,000 | $107,000 | $365,000 | $95,000 | $354,000 |
| Black or African American | 54 | $5,072,000 | $93,000 | $330,000 | $85,000 | $317,000 |
| Asian | 21 | $2,506,000 | $119,000 | $330,000 | $131,000 | $280,000 |
| American Indian or Alaskan Native | 7 | $1,059,000 | $151,000 | $500,000 | $72,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $71,000 | $71,000 |
| 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) | 1,178 | $122,219,000 | $103,000 | $3,400,000 | $92,000 | $686,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,496,000 | $152,000 | $262,000 | $78,000 | $201,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,395,000 | $155,000 | $253,000 | $100,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $208,000 | $208,000 | $208,000 | $45,000 | $45,000 |
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 | 543 | $57,180,000 | $105,000 | $500,000 | $94,000 | $425,000 |
| Application Withdrawn By Applicant | 325 | $36,818,000 | $113,000 | $500,000 | $102,000 | $686,000 |
| Application Denied By Financial Institution | 276 | $25,659,000 | $92,000 | $3,400,000 | $73,000 | $400,000 |
| Application Approved But Not Accepted | 39 | $2,866,000 | $73,000 | $360,000 | $92,000 | $201,000 |
| File Closed For Incompleteness | 28 | $4,795,000 | $171,000 | $365,000 | $128,000 | $354,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 99 | $12,632,000 | $127,000 | $3,400,000 | $56,000 | $216,000 |
| Collateral | 85 | $3,471,000 | $40,000 | $204,000 | $85,000 | $400,000 |
| Credit History | 78 | $8,140,000 | $104,000 | $417,000 | $82,000 | $317,000 |
| Unverifiable Information | 3 | $409,000 | $136,000 | $165,000 | $63,000 | $80,000 |
| Other | 2 | $99,000 | $49,000 | $75,000 | $64,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $267,000 | $133,000 | $137,000 | $55,000 | $90,000 |
| Employment History | 1 | $88,000 | $88,000 | $88,000 | $43,000 | $43,000 |
| 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 2014 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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