A+ Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, A+ Federal Credit Union of Austin, TX reported 1,274 mortgage applications totaling $113.9 million, up 5% from 2014. The average application was for $89,404, and applicants reported an average income of $94,124. 34% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Austin-Round Rock, TX (1,136), San Antonio-New Braunfels, TX (24) and Houston-The Woodlands-Sugar Land, TX (19) (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 | 1,274 |
| Total Mortgage Loan Application Amount | $113,901,000 |
| Average Mortgage Loan Application Amount | $89,404 |
| Highest Mortgage Loan Application Amount | $580,000 |
| Average Applicant Income | $94,124 |
| Highest Applicant Income | $1,040,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 587 | $ 55,044,000 | $ 93,771 | $ 94,000 |
| Williamson, Texas | 392 | $ 32,523,000 | $ 82,966 | $ 94,000 |
| Hays, Texas | 103 | $ 8,956,000 | $ 86,951 | $ 89,000 |
| Bastrop, Texas | 44 | $ 3,757,000 | $ 85,386 | $ 76,000 |
| Burnet, Texas | 12 | $ 1,351,000 | $ 112,583 | $ 81,000 |
| Harris, Texas | 12 | $ 1,533,000 | $ 127,750 | $ 107,000 |
| Caldwell, Texas | 10 | $ 540,000 | $ 54,000 | $ 69,000 |
| Comal, Texas | 10 | $ 1,189,000 | $ 118,900 | $ 119,000 |
| Tarrant, Texas | 8 | $ 449,000 | $ 56,125 | $ 73,000 |
| Bell, Texas | 7 | $ 502,000 | $ 71,714 | $ 253,000 |
| Bexar, Texas | 7 | $ 1,228,000 | $ 175,428 | $ 146,000 |
| Hidalgo, Texas | 7 | $ 389,000 | $ 55,571 | $ 75,000 |
| McLennan, Texas | 6 | $ 307,000 | $ 51,166 | $ 97,000 |
| Dallas, Texas | 5 | $ 568,000 | $ 113,600 | $ 108,000 |
| Guadalupe, Texas | 5 | $ 568,000 | $ 113,600 | $ 117,000 |
| Montgomery, Texas | 5 | $ 602,000 | $ 120,400 | $ 148,000 |
| Milam, Texas | 4 | $ 227,000 | $ 56,750 | $ 96,000 |
| Blanco, Texas | 3 | $ 268,000 | $ 89,333 | $ 51,000 |
| Gillespie, Texas | 3 | $ 125,000 | $ 41,666 | $ 129,000 |
| Lampasas, Texas | 3 | $ 214,000 | $ 71,333 | $ 30,000 |
| Madison, Texas | 3 | $ 161,000 | $ 53,666 | $ 84,000 |
| Ector, Texas | 2 | $ 257,000 | $ 128,500 | $ 81,000 |
| Lee, Texas | 2 | $ 25,000 | $ 12,500 | $ 90,000 |
| Taylor, Texas | 2 | $ 171,000 | $ 85,500 | $ 69,000 |
| Tyler, Texas | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Victoria, Texas | 2 | $ 406,000 | $ 203,000 | $ 81,000 |
| Aransas, Texas | 1 | $ 160,000 | $ 160,000 | $ 172,000 |
| Bandera, Texas | 1 | $ 30,000 | $ 30,000 | $ 93,000 |
| Brazoria, Texas | 1 | $ 67,000 | $ 67,000 | $ 64,000 |
| Brazos, Texas | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Burleson, Texas | 1 | $ 70,000 | $ 70,000 | $ 93,000 |
| Calhoun, Texas | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Collin, Texas | 1 | $ 133,000 | $ 133,000 | $ 18,000 |
| Coryell, Texas | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Denton, Texas | 1 | $ 40,000 | $ 40,000 | $ 198,000 |
| Fannin, Texas | 1 | $ 268,000 | $ 268,000 | $ 157,000 |
| Fort Bend, Texas | 1 | $ 149,000 | $ 149,000 | $ 149,000 |
| Hill, Texas | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Hood, Texas | 1 | $ 107,000 | $ 107,000 | $ 35,000 |
| Hunt, Texas | 1 | $ 43,000 | $ 43,000 | $ 51,000 |
| Jack, Texas | 1 | $ 26,000 | $ 26,000 | $ 53,000 |
| Jackson, Texas | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Kendall, Texas | 1 | $ 159,000 | $ 159,000 | $ 104,000 |
| Live Oak, Texas | 1 | $ 143,000 | $ 143,000 | $ 159,000 |
| Llano, Texas | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Midland, Texas | 1 | $ 68,000 | $ 68,000 | $ 176,000 |
| Mills, Texas | 1 | $ 58,000 | $ 58,000 | $ 1,000 |
| Randall, Texas | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Trinity, Texas | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Walker, Texas | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Webb, Texas | 1 | $ 28,000 | $ 28,000 | $ 168,000 |
| Wichita, Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Wood, Texas | 1 | $ 58,000 | $ 58,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2015
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 | 604 | $37,141,000 | $61,000 | $403,000 | $96,000 | $1,040,000 |
| Refinancing | 505 | $51,700,000 | $102,000 | $465,000 | $88,000 | $457,000 |
| Home Purchase | 165 | $25,060,000 | $151,000 | $580,000 | $106,000 | $407,000 |
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 | 630 | $58,630,000 | $93,000 | $580,000 | $100,000 | $457,000 |
| Not Provided | 312 | $26,938,000 | $86,000 | $389,000 | $98,000 | $1,040,000 |
| Hispanic | 256 | $20,646,000 | $80,000 | $400,000 | $79,000 | $282,000 |
| Black or African American | 54 | $4,643,000 | $85,000 | $250,000 | $66,000 | $188,000 |
| Asian | 12 | $1,748,000 | $145,000 | $277,000 | $104,000 | $284,000 |
| American Indian or Alaskan Native | 5 | $704,000 | $140,000 | $270,000 | $91,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $462,000 | $154,000 | $182,000 | $101,000 | $111,000 |
| Not applicable | 2 | $130,000 | $65,000 | $80,000 | $93,000 | $135,000 |
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) | 1,232 | $107,735,000 | $87,000 | $580,000 | $95,000 | $1,040,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,337,000 | $156,000 | $280,000 | $77,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 7 | $685,000 | $97,000 | $189,000 | $65,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $144,000 | $144,000 | $144,000 | $48,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 448 | $31,327,000 | $69,000 | $580,000 | $78,000 | $1,040,000 |
| Loan Originated | 430 | $36,542,000 | $84,000 | $380,000 | $103,000 | $451,000 |
| Application Withdrawn By Applicant | 313 | $37,194,000 | $118,000 | $500,000 | $103,000 | $407,000 |
| File Closed For Incompleteness | 50 | $6,747,000 | $134,000 | $465,000 | $105,000 | $534,000 |
| Application Approved But Not Accepted | 33 | $2,091,000 | $63,000 | $291,000 | $94,000 | $288,000 |
| 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 | 162 | $11,656,000 | $71,000 | $328,000 | $61,000 | $210,000 |
| Collateral | 126 | $5,745,000 | $45,000 | $225,000 | $87,000 | $457,000 |
| Credit History | 112 | $9,309,000 | $83,000 | $580,000 | $86,000 | $1,040,000 |
| Employment History | 12 | $1,149,000 | $95,000 | $178,000 | $113,000 | $275,000 |
| Other | 8 | $708,000 | $88,000 | $150,000 | $126,000 | $400,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2015 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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