A+ Federal Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, A+ Federal Credit Union of Austin, TX reported 2,681 mortgage applications totaling $420.9 million, up 1% from 2019. The average application was for $156,991, and applicants reported an average income of $102,024. 35% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Austin-Round Rock, TX (1,733), Houston-The Woodlands-Sugar Land, TX (134) and San Antonio-New Braunfels, TX (98) (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 | 2,681 |
| Total Mortgage Loan Application Amount | $420,895,000 |
| Average Mortgage Loan Application Amount | $156,991 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $102,024 |
| 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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 819 | $ 129,215,000 | $ 157,771 | $ 111,000 |
| Williamson, Texas | 643 | $ 95,015,000 | $ 147,768 | $ 108,000 |
| Hays, Texas | 177 | $ 29,025,000 | $ 163,983 | $ 102,000 |
| Bastrop, Texas | 79 | $ 11,045,000 | $ 139,810 | $ 85,000 |
| Bell, Texas | 69 | $ 10,115,000 | $ 146,594 | $ 79,000 |
| Harris, Texas | 64 | $ 33,450,000 | $ 522,656 | $ 207,000 |
| Bexar, Texas | 37 | $ 12,355,000 | $ 333,918 | $ 85,000 |
| Montgomery, Texas | 33 | $ 4,085,000 | $ 123,787 | $ 104,000 |
| Burnet, Texas | 26 | $ 3,140,000 | $ 120,769 | $ 102,000 |
| Comal, Texas | 23 | $ 3,345,000 | $ 145,434 | $ 100,000 |
| Guadalupe, Texas | 22 | $ 2,590,000 | $ 117,727 | $ 74,000 |
| Collin, Texas | 18 | $ 2,900,000 | $ 161,111 | $ 127,000 |
| Caldwell, Texas | 15 | $ 1,415,000 | $ 94,333 | $ 72,000 |
| Johnson, Texas | 13 | $ 1,375,000 | $ 105,769 | $ 74,000 |
| Tarrant, Texas | 13 | $ 1,585,000 | $ 121,923 | $ 117,000 |
| Dallas, Texas | 12 | $ 2,550,000 | $ 212,500 | $ 145,000 |
| Llano, Texas | 12 | $ 1,750,000 | $ 145,833 | $ 118,000 |
| Milam, Texas | 12 | $ 1,230,000 | $ 102,500 | $ 65,000 |
| Denton, Texas | 11 | $ 1,555,000 | $ 141,363 | $ 143,000 |
| Nueces, Texas | 10 | $ 1,280,000 | $ 128,000 | $ 120,000 |
| Coryell, Texas | 9 | $ 955,000 | $ 106,111 | $ 87,000 |
| Henderson, Texas | 9 | $ 1,055,000 | $ 117,222 | $ 81,000 |
| Hunt, Texas | 9 | $ 845,000 | $ 93,888 | $ 66,000 |
| Lampasas, Texas | 9 | $ 1,215,000 | $ 135,000 | $ 111,000 |
| Brazoria, Texas | 8 | $ 840,000 | $ 105,000 | $ 87,000 |
| Angelina, Texas | 7 | $ 495,000 | $ 70,714 | $ 99,000 |
| Atascosa, Texas | 7 | $ 655,000 | $ 93,571 | $ 64,000 |
| Hardin, Texas | 7 | $ 505,000 | $ 72,142 | $ 77,000 |
| Lubbock, Texas | 7 | $ 655,000 | $ 93,571 | $ 53,000 |
| Orange, Texas | 7 | $ 735,000 | $ 105,000 | $ 73,000 |
| Waller, Texas | 7 | $ 1,765,000 | $ 252,142 | $ 121,000 |
| Wise, Texas | 7 | $ 645,000 | $ 92,142 | $ 86,000 |
| Austin, Texas | 6 | $ 540,000 | $ 90,000 | $ 112,000 |
| Hopkins, Texas | 6 | $ 460,000 | $ 76,666 | $ 60,000 |
| Lee, Texas | 6 | $ 1,080,000 | $ 180,000 | $ 89,000 |
| Parker, Texas | 6 | $ 710,000 | $ 118,333 | $ 74,000 |
| Taylor, Texas | 6 | $ 420,000 | $ 70,000 | $ 58,000 |
| Washington, Texas | 6 | $ 620,000 | $ 103,333 | $ 62,000 |
| Aransas, Texas | 5 | $ 545,000 | $ 109,000 | $ 77,000 |
| Burleson, Texas | 5 | $ 365,000 | $ 73,000 | $ 68,000 |
| Fort Bend, Texas | 5 | $ 695,000 | $ 139,000 | $ 84,000 |
| Galveston, Texas | 5 | $ 755,000 | $ 151,000 | $ 97,000 |
| Jefferson, Texas | 5 | $ 545,000 | $ 109,000 | $ 70,000 |
| Kaufman, Texas | 5 | $ 615,000 | $ 123,000 | $ 90,000 |
| Liberty, Texas | 5 | $ 545,000 | $ 109,000 | $ 65,000 |
| Live Oak, Texas | 5 | $ 475,000 | $ 95,000 | $ 74,000 |
| McLennan, Texas | 5 | $ 675,000 | $ 135,000 | $ 153,000 |
| Polk, Texas | 5 | $ 675,000 | $ 135,000 | $ 77,000 |
| San Jacinto, Texas | 5 | $ 455,000 | $ 91,000 | $ 70,000 |
| Victoria, Texas | 5 | $ 375,000 | $ 75,000 | $ 46,000 |
| Walker, Texas | 5 | $ 385,000 | $ 77,000 | $ 80,000 |
| Wharton, Texas | 5 | $ 275,000 | $ 55,000 | $ 67,000 |
| Cherokee, Texas | 4 | $ 230,000 | $ 57,500 | $ 48,000 |
| Ector, Texas | 4 | $ 320,000 | $ 80,000 | $ 109,000 |
| Ellis, Texas | 4 | $ 280,000 | $ 70,000 | $ 79,000 |
| Gonzales, Texas | 4 | $ 400,000 | $ 100,000 | $ 100,000 |
| Grayson, Texas | 4 | $ 290,000 | $ 72,500 | $ 75,000 |
| Grimes, Texas | 4 | $ 660,000 | $ 165,000 | $ 89,000 |
| Hidalgo, Texas | 4 | $ 650,000 | $ 162,500 | $ 108,000 |
| Midland, Texas | 4 | $ 440,000 | $ 110,000 | $ 73,000 |
| Uvalde, Texas | 4 | $ 680,000 | $ 170,000 | $ 85,000 |
| Wood, Texas | 4 | $ 270,000 | $ 67,500 | $ 60,000 |
| York, Pennsylvania | 3 | $ 195,000 | $ 65,000 | $ 36,000 |
| Bandera, Texas | 3 | $ 255,000 | $ 85,000 | $ 77,000 |
| Cameron, Texas | 3 | $ 305,000 | $ 101,666 | $ 86,000 |
| Colorado, Texas | 3 | $ 175,000 | $ 58,333 | $ 38,000 |
| Eastland, Texas | 3 | $ 195,000 | $ 65,000 | $ 40,000 |
| Fannin, Texas | 3 | $ 585,000 | $ 195,000 | $ 83,000 |
| Gaines, Texas | 3 | $ 255,000 | $ 85,000 | $ 53,000 |
| Gillespie, Texas | 3 | $ 205,000 | $ 68,333 | $ 137,000 |
| Harrison, Texas | 3 | $ 355,000 | $ 118,333 | $ 79,000 |
| Hill, Texas | 3 | $ 475,000 | $ 158,333 | $ 99,000 |
| Houston, Texas | 3 | $ 325,000 | $ 108,333 | $ 67,000 |
| Jasper, Texas | 3 | $ 335,000 | $ 111,666 | $ 86,000 |
| Kendall, Texas | 3 | $ 175,000 | $ 58,333 | $ 38,000 |
| Limestone, Texas | 3 | $ 245,000 | $ 81,666 | $ 73,000 |
| Navarro, Texas | 3 | $ 255,000 | $ 85,000 | $ 93,000 |
| Palo Pinto, Texas | 3 | $ 295,000 | $ 98,333 | $ 34,000 |
| Panola, Texas | 3 | $ 295,000 | $ 98,333 | $ 99,000 |
| Rusk, Texas | 3 | $ 245,000 | $ 81,666 | $ 78,000 |
| Sabine, Texas | 3 | $ 215,000 | $ 71,666 | $ 135,000 |
| Tom Green, Texas | 3 | $ 305,000 | $ 101,666 | $ 149,000 |
| Macomb, Michigan | 2 | $ 90,000 | $ 45,000 | $ 0 |
| McClain, Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 88,000 |
| Lawrence, Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 59,000 |
| Anderson, Texas | 2 | $ 120,000 | $ 60,000 | $ 66,000 |
| Bowie, Texas | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| Brazos, Texas | 2 | $ 170,000 | $ 85,000 | $ 217,000 |
| Brown, Texas | 2 | $ 580,000 | $ 290,000 | $ 52,000 |
| Callahan, Texas | 2 | $ 270,000 | $ 135,000 | $ 65,000 |
| Coke, Texas | 2 | $ 220,000 | $ 110,000 | $ 87,000 |
| DeWitt, Texas | 2 | $ 150,000 | $ 75,000 | $ 57,000 |
| Fayette, Texas | 2 | $ 210,000 | $ 105,000 | $ 88,000 |
| Freestone, Texas | 2 | $ 170,000 | $ 85,000 | $ 88,000 |
| Frio, Texas | 2 | $ 90,000 | $ 45,000 | $ 79,000 |
| Goliad, Texas | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Hamilton, Texas | 2 | $ 180,000 | $ 90,000 | $ 87,000 |
| Hood, Texas | 2 | $ 180,000 | $ 90,000 | $ 121,000 |
| Kerr, Texas | 2 | $ 580,000 | $ 290,000 | $ 114,000 |
| Lamar, Texas | 2 | $ 160,000 | $ 80,000 | $ 85,000 |
| Madison, Texas | 2 | $ 120,000 | $ 60,000 | $ 80,000 |
| Martin, Texas | 2 | $ 120,000 | $ 60,000 | $ 54,000 |
| Matagorda, Texas | 2 | $ 350,000 | $ 175,000 | $ 112,000 |
| Montague, Texas | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Rains, Texas | 2 | $ 150,000 | $ 75,000 | $ 68,000 |
| San Saba, Texas | 2 | $ 270,000 | $ 135,000 | $ 94,000 |
| Tyler, Texas | 2 | $ 170,000 | $ 85,000 | $ 113,000 |
| Van Zandt, Texas | 2 | $ 460,000 | $ 230,000 | $ 144,000 |
| Wilson, Texas | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Gila, Arizona | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Pima, Arizona | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Ashley, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Union, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Boone, Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cook, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Mills, Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pulaski, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| St. Mary, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Anne Arundel, Maryland | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Grand Traverse, Michigan | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Kalamazoo, Michigan | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Livingston, Michigan | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Carroll, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Jefferson Davis, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Lamar, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Lauderdale, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Lee, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Rankin, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Bernalillo, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Torrance, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Greene, New York | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Saratoga, New York | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Columbiana, Ohio | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Wayne, Ohio | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Lincoln, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Logan, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| McCurtain, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Pottawatomie, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Blair, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Centre, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Franklin, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Lancaster, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 101,000 |
| Giles, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Andrews, Texas | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Bee, Texas | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Blanco, Texas | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Brewster, Texas | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Camp, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Cass, Texas | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Chambers, Texas | 1 | $ 75,000 | $ 75,000 | $ 250,000 |
| Cooke, Texas | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Dallam, Texas | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Dawson, Texas | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Deaf Smith, Texas | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Duval, Texas | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Falls, Texas | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Gregg, Texas | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Hale, Texas | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Hockley, Texas | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Howard, Texas | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Jim Wells, Texas | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Jones, Texas | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
| Karnes, Texas | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Kleberg, Texas | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| La Salle, Texas | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Lavaca, Texas | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Leon, Texas | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Mason, Texas | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| McCulloch, Texas | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| Medina, Texas | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Morris, Texas | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Nacogdoches, Texas | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Nolan, Texas | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Randall, Texas | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Real, Texas | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Refugio, Texas | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Robertson, Texas | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Rockwall, Texas | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Runnels, Texas | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| San Patricio, Texas | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Schleicher, Texas | 1 | $ 185,000 | $ 185,000 | $ 147,000 |
| Scurry, Texas | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Shackelford, Texas | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Shelby, Texas | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Smith, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Sutton, Texas | 1 | $ 65,000 | $ 65,000 | $ 216,000 |
| Terry, Texas | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Trinity, Texas | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Ward, Texas | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Wichita, Texas | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Wilbarger, Texas | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Winkler, Texas | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Preston, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Taylor, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Outagamie, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2020
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 | 805 | $157,185,000 | $195,000 | $1,375,000 | $117,000 | $2,160,000 |
| Cash-out Refinancing | 775 | $143,755,000 | $185,000 | $3,805,000 | $98,000 | $470,000 |
| Home Purchase | 698 | $92,260,000 | $132,000 | $2,325,000 | $81,000 | $623,000 |
| Home Improvement | 216 | $14,880,000 | $68,000 | $505,000 | $139,000 | $1,750,000 |
| Other Purpose | 187 | $12,815,000 | $68,000 | $615,000 | $90,000 | $336,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,317 | $222,565,000 | $168,000 | $1,025,000 | $111,000 | $2,160,000 |
| White | 921 | $106,295,000 | $115,000 | $835,000 | $94,000 | $623,000 |
| Hispanic | 259 | $31,025,000 | $119,000 | $405,000 | $90,000 | $410,000 |
| Not applicable | 84 | $47,420,000 | $564,000 | $3,805,000 | $0 | $0 |
| Black or African American | 69 | $8,495,000 | $123,000 | $735,000 | $84,000 | $350,000 |
| Asian | 22 | $4,170,000 | $189,000 | $755,000 | $146,000 | $379,000 |
| American Indian or Alaskan Native | 7 | $785,000 | $112,000 | $275,000 | $109,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,681 | $420,895,000 | $156,000 | $3,805,000 | $102,000 | $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 | 942 | $167,290,000 | $177,000 | $3,805,000 | $106,000 | $452,000 |
| Application Withdrawn By Applicant | 505 | $84,705,000 | $167,000 | $905,000 | $122,000 | $2,138,000 |
| File Closed For Incompleteness | 357 | $58,585,000 | $164,000 | $1,025,000 | $119,000 | $2,160,000 |
| Loan Purchased By The Institution | 321 | $28,295,000 | $88,000 | $275,000 | $71,000 | $331,000 |
| Application Denied By Financial Institution | 314 | $44,220,000 | $140,000 | $1,705,000 | $84,000 | $1,920,000 |
| Application Approved But Not Accepted | 169 | $19,185,000 | $113,000 | $875,000 | $91,000 | $623,000 |
| Preapproval Approved but not Accepted | 61 | $15,285,000 | $250,000 | $485,000 | $91,000 | $222,000 |
| Preapproval Denied by Financial Institution | 12 | $3,330,000 | $277,000 | $725,000 | $62,000 | $175,000 |
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 | 2,355 | $373,345,000 | $158,000 | $3,805,000 | $105,000 | $2,160,000 |
| Debt-To-Income Ratio | 151 | $26,685,000 | $176,000 | $975,000 | $59,000 | $168,000 |
| Credit History | 87 | $10,785,000 | $123,000 | $1,705,000 | $93,000 | $1,920,000 |
| Collateral | 67 | $6,485,000 | $96,000 | $505,000 | $115,000 | $400,000 |
| Employment History | 9 | $2,055,000 | $228,000 | $725,000 | $74,000 | $175,000 |
| Other | 8 | $660,000 | $82,000 | $255,000 | $100,000 | $227,000 |
| Unverifiable Information | 3 | $705,000 | $235,000 | $355,000 | $185,000 | $300,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $175,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2020 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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