A+ Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, A+ Federal Credit Union of Austin, TX reported 1,821 mortgage applications totaling $272.8 million, down 14% from 2023. The average application was for $149,810, and applicants reported an average income of $130,739. 35% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Austin-Round Rock, TX (1,114), Killeen-Temple, TX (134) and Houston-The Woodlands-Sugar Land, TX (68) (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 | 1,821 |
| Total Mortgage Loan Application Amount | $272,805,000 |
| Average Mortgage Loan Application Amount | $149,810 |
| Highest Mortgage Loan Application Amount | $4,055,000 |
| Average Applicant Income | $130,739 |
| Highest Applicant Income | $5,100,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 554 | $ 79,000,000 | $ 142,599 | $ 139,000 |
| Williamson, Texas | 380 | $ 48,990,000 | $ 128,921 | $ 129,000 |
| Bell, Texas | 119 | $ 13,985,000 | $ 117,521 | $ 114,000 |
| Hays, Texas | 114 | $ 12,090,000 | $ 106,052 | $ 119,000 |
| Bastrop, Texas | 51 | $ 6,885,000 | $ 135,000 | $ 113,000 |
| Harris, Texas | 32 | $ 7,220,000 | $ 225,625 | $ 107,000 |
| Bexar, Texas | 29 | $ 3,545,000 | $ 122,241 | $ 184,000 |
| Burnet, Texas | 24 | $ 3,910,000 | $ 162,916 | $ 147,000 |
| Caldwell, Texas | 15 | $ 2,475,000 | $ 165,000 | $ 91,000 |
| Tarrant, Texas | 15 | $ 1,575,000 | $ 105,000 | $ 140,000 |
| Brazoria, Texas | 13 | $ 1,275,000 | $ 98,076 | $ 243,000 |
| Comal, Texas | 13 | $ 2,095,000 | $ 161,153 | $ 107,000 |
| Guadalupe, Texas | 11 | $ 1,515,000 | $ 137,727 | $ 99,000 |
| Collin, Texas | 8 | $ 1,400,000 | $ 175,000 | $ 148,000 |
| Coryell, Texas | 8 | $ 580,000 | $ 72,500 | $ 125,000 |
| Montgomery, Texas | 8 | $ 850,000 | $ 106,250 | $ 177,000 |
| Fayette, Texas | 7 | $ 835,000 | $ 119,285 | $ 73,000 |
| Fort Bend, Texas | 7 | $ 945,000 | $ 135,000 | $ 121,000 |
| Kaufman, Texas | 7 | $ 1,245,000 | $ 177,857 | $ 90,000 |
| Lampasas, Texas | 7 | $ 975,000 | $ 139,285 | $ 142,000 |
| Nueces, Texas | 6 | $ 670,000 | $ 111,666 | $ 60,000 |
| Dallas, Texas | 5 | $ 815,000 | $ 163,000 | $ 142,000 |
| Denton, Texas | 5 | $ 705,000 | $ 141,000 | $ 157,000 |
| Ellis, Texas | 5 | $ 775,000 | $ 155,000 | $ 121,000 |
| Johnson, Texas | 5 | $ 585,000 | $ 117,000 | $ 76,000 |
| Llano, Texas | 5 | $ 835,000 | $ 167,000 | $ 156,000 |
| Milam, Texas | 5 | $ 525,000 | $ 105,000 | $ 133,000 |
| Polk, Florida | 4 | $ 840,000 | $ 210,000 | $ 0 |
| Angelina, Texas | 4 | $ 2,350,000 | $ 587,500 | $ 103,000 |
| Blanco, Texas | 4 | $ 820,000 | $ 205,000 | $ 111,000 |
| Lee, Texas | 4 | $ 470,000 | $ 117,500 | $ 116,000 |
| Lubbock, Texas | 4 | $ 320,000 | $ 80,000 | $ 58,000 |
| Berkeley, West Virginia | 4 | $ 220,000 | $ 55,000 | $ 0 |
| Charlotte, Florida | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Hillsborough, Florida | 3 | $ 825,000 | $ 275,000 | $ 0 |
| Carter, Oklahoma | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Aransas, Texas | 3 | $ 255,000 | $ 85,000 | $ 41,000 |
| Cameron, Texas | 3 | $ 445,000 | $ 148,333 | $ 87,000 |
| El Paso, Texas | 3 | $ 335,000 | $ 111,666 | $ 99,000 |
| Galveston, Texas | 3 | $ 405,000 | $ 135,000 | $ 149,000 |
| Gonzales, Texas | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Hamilton, Texas | 3 | $ 165,000 | $ 55,000 | $ 107,000 |
| Hidalgo, Texas | 3 | $ 1,065,000 | $ 355,000 | $ 135,000 |
| Kendall, Texas | 3 | $ 455,000 | $ 151,666 | $ 282,000 |
| McLennan, Texas | 3 | $ 385,000 | $ 128,333 | $ 172,000 |
| Navarro, Texas | 3 | $ 505,000 | $ 168,333 | $ 50,000 |
| Polk, Texas | 3 | $ 275,000 | $ 91,666 | $ 97,000 |
| Pasco, Florida | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Putnam, Florida | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Marion, Georgia | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Laurel, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Pulaski, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 0 |
| St. Landry, Louisiana | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Carroll, Tennessee | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Haywood, Tennessee | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Calhoun, Texas | 2 | $ 630,000 | $ 315,000 | $ 101,000 |
| Comanche, Texas | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Ector, Texas | 2 | $ 170,000 | $ 85,000 | $ 312,000 |
| Fannin, Texas | 2 | $ 160,000 | $ 80,000 | $ 360,000 |
| Grimes, Texas | 2 | $ 360,000 | $ 180,000 | $ 120,000 |
| Hunt, Texas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Jackson, Texas | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Lavaca, Texas | 2 | $ 330,000 | $ 165,000 | $ 42,000 |
| Liberty, Texas | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Mills, Texas | 2 | $ 590,000 | $ 295,000 | $ 179,000 |
| Parker, Texas | 2 | $ 190,000 | $ 95,000 | $ 62,000 |
| Sabine, Texas | 2 | $ 140,000 | $ 70,000 | $ 72,000 |
| San Jacinto, Texas | 2 | $ 320,000 | $ 160,000 | $ 96,000 |
| Webb, Texas | 2 | $ 100,000 | $ 50,000 | $ 61,000 |
| Wilson, Texas | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Wise, Texas | 2 | $ 390,000 | $ 195,000 | $ 120,000 |
| Klickitat, Washington | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Autauga, Alabama | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Morgan, Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cochise, Arizona | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Navajo, Arizona | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pima, Arizona | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Union, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hardee, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hernando, Florida | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Jackson, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lake, Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lee, Florida | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Madison, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Okeechobee, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Orange, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Sarasota, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| St. Johns, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Gilmer, Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Mitchell, Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Polk, Georgia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Schley, Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Webster, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pottawattamie, Iowa | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Boyle, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Breathitt, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Breckinridge, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Calloway, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Casey, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Graves, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Henderson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Knott, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lee, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Letcher, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lewis, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lincoln, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Livingston, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marshall, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| McLean, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Morgan, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nelson, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Ohio, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Perry, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| St. Helena, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Washington, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pine, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Copiah, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Forrest, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| George, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lea, New Mexico | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Otero, New Mexico | 1 | $ 95,000 | $ 95,000 | $ 0 |
| San Juan, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Anson, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Brunswick, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cabarrus, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pender, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Robeson, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Rockingham, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lawrence, Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ross, Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Wayne, Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bryan, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Grady, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Grant, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| McClain, Oklahoma | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Pontotoc, Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Woods, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Klamath, Oregon | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Marion, Oregon | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Blair, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Franklin, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lawrence, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Westmoreland, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Colleton, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Horry, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Campbell, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Coffee, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Grainger, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lincoln, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickett, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Anderson, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Austin, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Bandera, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bowie, Texas | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Brazos, Texas | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Callahan, Texas | 1 | $ 65,000 | $ 65,000 | $ 175,000 |
| Carson, Texas | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Cherokee, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Colorado, Texas | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Cooke, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Crane, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Dimmit, Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Eastland, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Freestone, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Gillespie, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Goliad, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Harrison, Texas | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Haskell, Texas | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Henderson, Texas | 1 | $ 65,000 | $ 65,000 | $ 17,000 |
| Hill, Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Hutchinson, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jefferson, Texas | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Jim Wells, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Kerr, Texas | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Kleberg, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lamar, Texas | 1 | $ 35,000 | $ 35,000 | $ 202,000 |
| Limestone, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Madison, Texas | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Midland, Texas | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Nacogdoches, Texas | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Newton, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Potter, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Randall, Texas | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Robertson, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Runnels, Texas | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Rusk, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| San Patricio, Texas | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Scurry, Texas | 1 | $ 5,000 | $ 5,000 | $ 7,000 |
| Somervell, Texas | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Stephens, Texas | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Taylor, Texas | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Titus, Texas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Trinity, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Upshur, Texas | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Van Zandt, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Victoria, Texas | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Walker, Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wharton, Texas | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Young, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kitsap, Washington | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Monongalia, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Converse, Wyoming | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Natrona, Wyoming | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Park, Wyoming | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Uinta, Wyoming | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,016 | $94,370,000 | $92,000 | $545,000 | $128,000 | $5,100,000 |
| Home Purchase | 395 | $97,105,000 | $245,000 | $4,055,000 | $140,000 | $844,000 |
| Home Improvement | 196 | $20,350,000 | $103,000 | $325,000 | $138,000 | $2,366,000 |
| Cash-out Refinancing | 143 | $41,625,000 | $291,000 | $1,965,000 | $120,000 | $360,000 |
| Refinancing | 71 | $19,355,000 | $272,000 | $2,405,000 | $120,000 | $360,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 683 | $92,435,000 | $135,000 | $775,000 | $136,000 | $2,366,000 |
| Hispanic | 382 | $47,560,000 | $124,000 | $675,000 | $112,000 | $1,620,000 |
| Not Provided | 301 | $45,205,000 | $150,000 | $1,165,000 | $121,000 | $386,000 |
| Not applicable | 262 | $57,950,000 | $221,000 | $4,055,000 | $0 | $0 |
| Black or African American | 121 | $16,855,000 | $139,000 | $725,000 | $115,000 | $465,000 |
| Asian | 51 | $9,975,000 | $195,000 | $885,000 | $147,000 | $385,000 |
| American Indian or Alaskan Native | 16 | $2,430,000 | $151,000 | $545,000 | $515,000 | $5,100,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $395,000 | $79,000 | $205,000 | $91,000 | $146,000 |
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) | 1,798 | $263,460,000 | $146,000 | $4,055,000 | $129,000 | $5,100,000 |
| FHA-insured (Federal Housing Administration) | 23 | $9,345,000 | $406,000 | $885,000 | $169,000 | $465,000 |
| 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 | 638 | $84,210,000 | $131,000 | $2,405,000 | $134,000 | $2,366,000 |
| Application Denied By Financial Institution | 512 | $57,540,000 | $112,000 | $1,965,000 | $119,000 | $5,100,000 |
| Loan Purchased By The Institution | 232 | $37,140,000 | $160,000 | $755,000 | $0 | $0 |
| Application Withdrawn By Applicant | 177 | $34,735,000 | $196,000 | $4,055,000 | $138,000 | $1,620,000 |
| Application Approved But Not Accepted | 104 | $13,420,000 | $129,000 | $605,000 | $118,000 | $427,000 |
| Preapproval Approved but not Accepted | 86 | $29,760,000 | $346,000 | $885,000 | $132,000 | $415,000 |
| File Closed For Incompleteness | 65 | $14,295,000 | $219,000 | $785,000 | $164,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 7 | $1,705,000 | $243,000 | $475,000 | $93,000 | $124,000 |
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 | 1,302 | $213,560,000 | $164,000 | $4,055,000 | $135,000 | $2,366,000 |
| Debt-To-Income Ratio | 165 | $25,835,000 | $156,000 | $1,965,000 | $73,000 | $293,000 |
| Credit History | 142 | $11,310,000 | $79,000 | $725,000 | $101,000 | $465,000 |
| Other | 100 | $10,860,000 | $108,000 | $355,000 | $214,000 | $5,100,000 |
| Collateral | 100 | $9,620,000 | $96,000 | $535,000 | $124,000 | $385,000 |
| Unverifiable Information | 5 | $905,000 | $181,000 | $465,000 | $50,000 | $116,000 |
| Employment History | 3 | $205,000 | $68,000 | $75,000 | $96,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $495,000 | $165,000 | $255,000 | $61,000 | $85,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $360,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2024 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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