A+ Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, A+ Federal Credit Union of Austin, TX reported 1,414 mortgage applications totaling $162.4 million, down 10% from 2017. The average application was for $114,879, and applicants reported an average income of $98,502. 42% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Austin-Round Rock, TX (1,203), San Antonio-New Braunfels, TX (45) and Killeen-Temple, TX (38) (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 | 1,414 |
| Total Mortgage Loan Application Amount | $162,440,000 |
| Average Mortgage Loan Application Amount | $114,879 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $98,502 |
| Highest Applicant Income | $2,160,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 570 | $ 67,590,000 | $ 118,578 | $ 97,000 |
| Williamson, Texas | 431 | $ 46,425,000 | $ 107,714 | $ 98,000 |
| Hays, Texas | 129 | $ 15,625,000 | $ 121,124 | $ 97,000 |
| Bastrop, Texas | 61 | $ 5,995,000 | $ 98,278 | $ 90,000 |
| Bell, Texas | 26 | $ 1,800,000 | $ 69,230 | $ 78,000 |
| Bexar, Texas | 26 | $ 3,710,000 | $ 142,692 | $ 189,000 |
| Burnet, Texas | 14 | $ 1,610,000 | $ 115,000 | $ 88,000 |
| Caldwell, Texas | 12 | $ 1,110,000 | $ 92,500 | $ 87,000 |
| Guadalupe, Texas | 10 | $ 640,000 | $ 64,000 | $ 66,000 |
| Dallas, Texas | 9 | $ 1,205,000 | $ 133,888 | $ 112,000 |
| Harris, Texas | 9 | $ 935,000 | $ 103,888 | $ 107,000 |
| Tarrant, Texas | 8 | $ 900,000 | $ 112,500 | $ 119,000 |
| Comal, Texas | 7 | $ 1,175,000 | $ 167,857 | $ 135,000 |
| Lampasas, Texas | 7 | $ 545,000 | $ 77,857 | $ 103,000 |
| Brazos, Texas | 6 | $ 310,000 | $ 51,666 | $ 85,000 |
| Collin, Texas | 5 | $ 715,000 | $ 143,000 | $ 156,000 |
| Coryell, Texas | 5 | $ 1,005,000 | $ 201,000 | $ 93,000 |
| Fort Bend, Texas | 5 | $ 565,000 | $ 113,000 | $ 91,000 |
| Llano, Texas | 5 | $ 895,000 | $ 179,000 | $ 163,000 |
| McLennan, Texas | 5 | $ 655,000 | $ 131,000 | $ 160,000 |
| Hidalgo, Texas | 4 | $ 450,000 | $ 112,500 | $ 65,000 |
| Denton, Texas | 3 | $ 75,000 | $ 25,000 | $ 98,000 |
| Fayette, Texas | 3 | $ 255,000 | $ 85,000 | $ 90,000 |
| Galveston, Texas | 3 | $ 255,000 | $ 85,000 | $ 142,000 |
| Liberty, Texas | 3 | $ 245,000 | $ 81,666 | $ 74,000 |
| Nueces, Texas | 3 | $ 455,000 | $ 151,666 | $ 67,000 |
| Cameron, Texas | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Gonzales, Texas | 2 | $ 220,000 | $ 110,000 | $ 56,000 |
| Kendall, Texas | 2 | $ 100,000 | $ 50,000 | $ 125,000 |
| Lee, Texas | 2 | $ 260,000 | $ 130,000 | $ 53,000 |
| Milam, Texas | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Montgomery, Texas | 2 | $ 390,000 | $ 195,000 | $ 170,000 |
| Smith, Texas | 2 | $ 260,000 | $ 130,000 | $ 51,000 |
| Carroll, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 155,000 |
| Barnstable, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| Dona Ana, New Mexico | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Aransas, Texas | 1 | $ 235,000 | $ 235,000 | $ 41,000 |
| Blanco, Texas | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Brewster, Texas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Brown, Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Burleson, Texas | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Crane, Texas | 1 | $ 145,000 | $ 145,000 | $ 240,000 |
| Gillespie, Texas | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Henderson, Texas | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Hunt, Texas | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Kaufman, Texas | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Kerr, Texas | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Lavaca, Texas | 1 | $ 285,000 | $ 285,000 | $ 126,000 |
| Limestone, Texas | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Live Oak, Texas | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Lubbock, Texas | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Midland, Texas | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| Nacogdoches, Texas | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Orange, Texas | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Palo Pinto, Texas | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Parker, Texas | 1 | $ 55,000 | $ 55,000 | $ 271,000 |
| Polk, Texas | 1 | $ 435,000 | $ 435,000 | $ 90,000 |
| San Saba, Texas | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Tom Green, Texas | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Tyler, Texas | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Van Zandt, Texas | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Victoria, Texas | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Webb, Texas | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Wichita, Texas | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 508 | $60,490,000 | $119,000 | $1,405,000 | $94,000 | $2,160,000 |
| Refinancing | 350 | $43,850,000 | $125,000 | $665,000 | $90,000 | $600,000 |
| Home Improvement | 229 | $17,295,000 | $75,000 | $405,000 | $108,000 | $583,000 |
| Other Purpose | 186 | $10,560,000 | $56,000 | $405,000 | $97,000 | $1,440,000 |
| Home Purchase | 140 | $30,070,000 | $214,000 | $975,000 | $123,000 | $1,421,000 |
| Not Applicable | 1 | $175,000 | $175,000 | $175,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 590 | $68,570,000 | $116,000 | $755,000 | $97,000 | $2,160,000 |
| White | 543 | $64,105,000 | $118,000 | $795,000 | $107,000 | $1,421,000 |
| Hispanic | 195 | $18,275,000 | $93,000 | $325,000 | $83,000 | $300,000 |
| Black or African American | 55 | $4,965,000 | $90,000 | $415,000 | $87,000 | $379,000 |
| Not applicable | 19 | $5,215,000 | $274,000 | $1,405,000 | $108,000 | $211,000 |
| Asian | 9 | $915,000 | $101,000 | $245,000 | $80,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $245,000 | $73,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $36,000 | $36,000 |
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) | 1,414 | $162,440,000 | $114,000 | $1,405,000 | $98,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 588 | $75,290,000 | $128,000 | $1,405,000 | $103,000 | $1,421,000 |
| Application Denied By Financial Institution | 355 | $30,775,000 | $86,000 | $795,000 | $85,000 | $1,440,000 |
| Application Withdrawn By Applicant | 332 | $41,500,000 | $125,000 | $755,000 | $108,000 | $2,160,000 |
| File Closed For Incompleteness | 139 | $14,875,000 | $107,000 | $685,000 | $88,000 | $379,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,059 | $131,665,000 | $124,000 | $1,405,000 | $103,000 | $2,160,000 |
| Credit History | 136 | $10,380,000 | $76,000 | $325,000 | $84,000 | $1,440,000 |
| Collateral | 109 | $7,535,000 | $69,000 | $405,000 | $102,000 | $565,000 |
| Debt-To-Income Ratio | 98 | $11,240,000 | $114,000 | $795,000 | $68,000 | $265,000 |
| Employment History | 7 | $555,000 | $79,000 | $165,000 | $57,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $355,000 | $81,000 | $130,000 |
| Other | 2 | $580,000 | $290,000 | $405,000 | $75,000 | $75,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $160,000 | $160,000 |
| 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 2018 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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