A+ Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, A+ Federal Credit Union of Austin, TX reported 1,925 mortgage applications totaling $290.8 million, up 6% from 2024. The average application was for $151,051, and applicants reported an average income of $139,014. 34% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Austin-Round Rock, TX (1,288), Killeen-Temple, TX (112) and Houston-The Woodlands-Sugar Land, TX (69) (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 | 1,925 |
| Total Mortgage Loan Application Amount | $290,775,000 |
| Average Mortgage Loan Application Amount | $151,051 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $139,014 |
| Highest Applicant Income | $3,180,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Austin-Round Rock, TX | 1,288 | $ 177,660,000 | $ 137,934 | $ 141,000 |
| Outside any metro area | 218 | $ 49,420,000 | $ 226,697 | $ 123,901 |
| Killeen-Temple, TX | 112 | $ 11,160,000 | $ 99,642 | $ 89,000 |
| Houston-The Woodlands-Sugar Land, TX | 69 | $ 10,445,000 | $ 151,376 | $ 203,000 |
| Dallas-Plano-Irving, TX | 58 | $ 10,740,000 | $ 185,172 | $ 182,000 |
| San Antonio-New Braunfels, TX | 54 | $ 7,770,000 | $ 143,888 | $ 127,000 |
| Fort Worth-Arlington, TX | 18 | $ 2,850,000 | $ 158,333 | $ 148,000 |
| Corpus Christi, TX | 13 | $ 1,755,000 | $ 135,000 | $ 165,000 |
| Abilene, TX | 6 | $ 320,000 | $ 53,333 | $ 32,000 |
| Waco, TX | 6 | $ 570,000 | $ 95,000 | $ 107,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 3,115,000 | $ 623,000 | $ 168,000 |
| Amarillo, TX | 4 | $ 390,000 | $ 97,500 | $ 15,000 |
| Brownsville-Harlingen, TX | 4 | $ 250,000 | $ 62,500 | $ 127,000 |
| Jackson, TN | 4 | $ 640,000 | $ 160,000 | $ 0 |
| College Station-Bryan, TX | 3 | $ 295,000 | $ 98,333 | $ 81,000 |
| El Paso, TX | 3 | $ 155,000 | $ 51,666 | $ 92,000 |
| Laredo, TX | 3 | $ 365,000 | $ 121,666 | $ 62,000 |
| Longview, TX | 3 | $ 495,000 | $ 165,000 | $ 182,000 |
| Tyler, TX | 3 | $ 215,000 | $ 71,666 | $ 72,000 |
| Bakersfield, CA | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Jacksonville, FL | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Albuquerque, NM | 1 | $ 305,000 | $ 305,000 | $ 198,000 |
| Ann Arbor, MI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Casper, WY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Columbia, SC | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Eagle Pass, TX | 1 | $ 195,000 | $ 195,000 | $ 194,000 |
| Eugene, OR | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jackson, MS | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lake Charles, LA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lancaster, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lawton, OK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lebanon, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lubbock, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Mansfield, OH | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Midland, TX | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Modesto, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Morgantown, WV | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| San Angelo, TX | 1 | $ 1,825,000 | $ 1,825,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Spokane-Spokane Valley, WA | 1 | $ 465,000 | $ 465,000 | $ 82,000 |
| St. Louis, MO-IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tampa, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 245,000 | $ 245,000 | $ 558,000 |
| Victoria, TX | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wildwood-The Villages, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Wilmington, NC | 1 | $ 305,000 | $ 305,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2025
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 | 1,221 | $128,495,000 | $105,000 | $1,405,000 | $133,000 | $3,180,000 |
| Home Purchase | 246 | $68,880,000 | $280,000 | $1,655,000 | $147,000 | $559,000 |
| Home Improvement | 244 | $25,900,000 | $106,000 | $775,000 | $155,000 | $2,400,000 |
| Refinancing | 115 | $34,795,000 | $302,000 | $2,575,000 | $145,000 | $1,176,000 |
| Cash-out Refinancing | 99 | $32,705,000 | $330,000 | $1,825,000 | $147,000 | $720,000 |
| 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 | 830 | $122,280,000 | $147,000 | $1,655,000 | $154,000 | $3,180,000 |
| Hispanic | 411 | $50,245,000 | $122,000 | $705,000 | $115,000 | $2,400,000 |
| Not Provided | 316 | $49,950,000 | $158,000 | $2,575,000 | $124,000 | $1,176,000 |
| Black or African American | 140 | $18,440,000 | $131,000 | $725,000 | $121,000 | $460,000 |
| Not applicable | 122 | $30,820,000 | $252,000 | $1,825,000 | $0 | $0 |
| Asian | 78 | $16,160,000 | $207,000 | $1,205,000 | $182,000 | $422,000 |
| American Indian or Alaskan Native | 27 | $2,805,000 | $103,000 | $355,000 | $156,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $265,000 | $265,000 |
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) | 1,910 | $286,720,000 | $150,000 | $2,575,000 | $139,000 | $3,180,000 |
| FHA-insured (Federal Housing Administration) | 15 | $4,055,000 | $270,000 | $415,000 | $96,000 | $176,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 675 | $78,815,000 | $116,000 | $1,825,000 | $117,000 | $900,000 |
| Loan Originated | 660 | $97,420,000 | $147,000 | $995,000 | $142,000 | $1,654,000 |
| Application Withdrawn By Applicant | 266 | $46,330,000 | $174,000 | $2,575,000 | $190,000 | $3,180,000 |
| Loan Purchased By The Institution | 97 | $19,265,000 | $198,000 | $455,000 | $0 | $0 |
| Application Approved But Not Accepted | 95 | $11,455,000 | $120,000 | $595,000 | $124,000 | $704,000 |
| Preapproval Approved but not Accepted | 67 | $23,215,000 | $346,000 | $1,655,000 | $144,000 | $432,000 |
| File Closed For Incompleteness | 52 | $9,520,000 | $183,000 | $725,000 | $152,000 | $400,000 |
| Preapproval Denied by Financial Institution | 13 | $4,755,000 | $365,000 | $705,000 | $111,000 | $253,000 |
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 | 1,237 | $207,205,000 | $167,000 | $2,575,000 | $152,000 | $3,180,000 |
| Debt-To-Income Ratio | 207 | $31,305,000 | $151,000 | $725,000 | $73,000 | $460,000 |
| Credit History | 160 | $15,720,000 | $98,000 | $595,000 | $108,000 | $362,000 |
| Other | 156 | $15,920,000 | $102,000 | $505,000 | $168,000 | $900,000 |
| Collateral | 132 | $14,280,000 | $108,000 | $675,000 | $138,000 | $475,000 |
| Unverifiable Information | 21 | $2,475,000 | $117,000 | $505,000 | $96,000 | $510,000 |
| Employment History | 5 | $965,000 | $193,000 | $705,000 | $77,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,555,000 | $511,000 | $1,825,000 | $113,000 | $136,000 |
| Credit Application Incomplete | 2 | $350,000 | $175,000 | $245,000 | $93,000 | $130,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2025 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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