A+ Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, A+ Federal Credit Union of Austin, TX reported 1,574 mortgage applications totaling $225.0 million, up 27% from 2016. The average application was for $142,954, and applicants reported an average income of $105,174. 41% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Austin-Round Rock, TX (1,372), Houston-The Woodlands-Sugar Land, TX (38) and Dallas-Plano-Irving, TX (29) (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 | 1,574 |
| Total Mortgage Loan Application Amount | $225,010,000 |
| Average Mortgage Loan Application Amount | $142,954 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $105,174 |
| Highest Applicant Income | $3,000,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 678 | $ 96,677,000 | $ 142,591 | $ 101,000 |
| Williamson, Texas | 492 | $ 71,462,000 | $ 145,247 | $ 120,000 |
| Hays, Texas | 146 | $ 21,536,000 | $ 147,506 | $ 91,000 |
| Bastrop, Texas | 51 | $ 5,940,000 | $ 116,470 | $ 96,000 |
| Bell, Texas | 19 | $ 1,963,000 | $ 103,315 | $ 78,000 |
| Bexar, Texas | 17 | $ 4,068,000 | $ 239,294 | $ 79,000 |
| Harris, Texas | 17 | $ 3,286,000 | $ 193,294 | $ 148,000 |
| Burnet, Texas | 15 | $ 2,303,000 | $ 153,533 | $ 79,000 |
| Collin, Texas | 12 | $ 2,109,000 | $ 175,750 | $ 114,000 |
| Fort Bend, Texas | 10 | $ 1,812,000 | $ 181,200 | $ 127,000 |
| Dallas, Texas | 8 | $ 982,000 | $ 122,750 | $ 94,000 |
| Denton, Texas | 8 | $ 1,099,000 | $ 137,375 | $ 110,000 |
| Comal, Texas | 7 | $ 859,000 | $ 122,714 | $ 89,000 |
| Caldwell, Texas | 6 | $ 573,000 | $ 95,500 | $ 70,000 |
| Lampasas, Texas | 6 | $ 711,000 | $ 118,500 | $ 73,000 |
| Llano, Texas | 6 | $ 491,000 | $ 81,833 | $ 85,000 |
| Montgomery, Texas | 6 | $ 1,103,000 | $ 183,833 | $ 135,000 |
| Fayette, Texas | 5 | $ 413,000 | $ 82,600 | $ 76,000 |
| Tarrant, Texas | 5 | $ 904,000 | $ 180,800 | $ 108,000 |
| Brazoria, Texas | 3 | $ 492,000 | $ 164,000 | $ 114,000 |
| Ector, Texas | 3 | $ 512,000 | $ 170,666 | $ 113,000 |
| Guadalupe, Texas | 3 | $ 145,000 | $ 48,333 | $ 57,000 |
| Lee, Texas | 3 | $ 300,000 | $ 100,000 | $ 83,000 |
| Milam, Texas | 3 | $ 404,000 | $ 134,666 | $ 86,000 |
| Nueces, Texas | 3 | $ 260,000 | $ 86,666 | $ 160,000 |
| Blanco, Texas | 2 | $ 231,000 | $ 115,500 | $ 70,000 |
| Brazos, Texas | 2 | $ 333,000 | $ 166,500 | $ 98,000 |
| Live Oak, Texas | 2 | $ 221,000 | $ 110,500 | $ 108,000 |
| Van Zandt, Texas | 2 | $ 74,000 | $ 37,000 | $ 59,000 |
| Angelina, Texas | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Aransas, Texas | 1 | $ 138,000 | $ 138,000 | $ 42,000 |
| Atascosa, Texas | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Bee, Texas | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Brown, Texas | 1 | $ 130,000 | $ 130,000 | $ 123,000 |
| Chambers, Texas | 1 | $ 164,000 | $ 164,000 | $ 145,000 |
| Coryell, Texas | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Ellis, Texas | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Erath, Texas | 1 | $ 74,000 | $ 74,000 | $ 84,000 |
| Gillespie, Texas | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Gonzales, Texas | 1 | $ 46,000 | $ 46,000 | $ 93,000 |
| Henderson, Texas | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Hidalgo, Texas | 1 | $ 82,000 | $ 82,000 | $ 62,000 |
| Hockley, Texas | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Hood, Texas | 1 | $ 28,000 | $ 28,000 | $ 116,000 |
| Howard, Texas | 1 | $ 74,000 | $ 74,000 | $ 146,000 |
| Johnson, Texas | 1 | $ 211,000 | $ 211,000 | $ 107,000 |
| Karnes, Texas | 1 | $ 138,000 | $ 138,000 | $ 119,000 |
| Kerr, Texas | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Kleberg, Texas | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| La Salle, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Lubbock, Texas | 1 | $ 160,000 | $ 160,000 | $ 106,000 |
| McLennan, Texas | 1 | $ 130,000 | $ 130,000 | $ 82,000 |
| Medina, Texas | 1 | $ 154,000 | $ 154,000 | $ 128,000 |
| Palo Pinto, Texas | 1 | $ 48,000 | $ 48,000 | $ 638,000 |
| Panola, Texas | 1 | $ 157,000 | $ 157,000 | $ 87,000 |
| Parker, Texas | 1 | $ 30,000 | $ 30,000 | $ 210,000 |
| Pecos, Texas | 1 | $ 163,000 | $ 163,000 | $ 50,000 |
| Smith, Texas | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Taylor, Texas | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Tom Green, Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Waller, Texas | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Webb, Texas | 1 | $ 171,000 | $ 171,000 | $ 73,000 |
| Wise, Texas | 1 | $ 247,000 | $ 247,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2017
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 | 931 | $111,932,000 | $120,000 | $720,000 | $99,000 | $1,524,000 |
| Refinancing | 527 | $87,780,000 | $166,000 | $1,600,000 | $117,000 | $3,000,000 |
| Home Purchase | 116 | $25,298,000 | $218,000 | $790,000 | $101,000 | $284,000 |
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 | 702 | $104,981,000 | $149,000 | $1,200,000 | $110,000 | $2,240,000 |
| Not Provided | 495 | $64,431,000 | $130,000 | $522,000 | $100,000 | $1,524,000 |
| Hispanic | 253 | $34,316,000 | $135,000 | $588,000 | $96,000 | $960,000 |
| Black or African American | 69 | $9,326,000 | $135,000 | $650,000 | $100,000 | $1,290,000 |
| Asian | 32 | $6,186,000 | $193,000 | $790,000 | $134,000 | $464,000 |
| Not applicable | 10 | $4,024,000 | $402,000 | $1,600,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $812,000 | $116,000 | $254,000 | $71,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $934,000 | $155,000 | $252,000 | $559,000 | $3,000,000 |
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) | 1,540 | $220,483,000 | $143,000 | $1,600,000 | $106,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,882,000 | $133,000 | $286,000 | $77,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 4 | $460,000 | $115,000 | $198,000 | $47,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
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 | 640 | $104,288,000 | $162,000 | $1,600,000 | $110,000 | $2,240,000 |
| Application Denied By Financial Institution | 409 | $42,661,000 | $104,000 | $500,000 | $91,000 | $1,524,000 |
| Application Withdrawn By Applicant | 356 | $52,223,000 | $146,000 | $720,000 | $111,000 | $3,000,000 |
| File Closed For Incompleteness | 169 | $25,838,000 | $152,000 | $1,200,000 | $110,000 | $600,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 177 | $16,639,000 | $94,000 | $400,000 | $95,000 | $1,524,000 |
| Collateral | 105 | $8,898,000 | $84,000 | $350,000 | $118,000 | $706,000 |
| Debt-To-Income Ratio | 103 | $13,329,000 | $129,000 | $411,000 | $59,000 | $204,000 |
| Employment History | 7 | $855,000 | $122,000 | $304,000 | $80,000 | $360,000 |
| Other | 5 | $1,381,000 | $276,000 | $500,000 | $136,000 | $245,000 |
| Unverifiable Information | 4 | $643,000 | $160,000 | $350,000 | $43,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $126,000 | $126,000 | $126,000 | $0 | $0 |
| 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 2017 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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