A+ Federal Credit Union Mortgage Lending & HMDA Data, 2007
In 2007, A+ Federal Credit Union of Austin, TX reported 452 mortgage applications totaling $29.7 million, up 15% from 2006. The average application was for $65,792, and applicants reported an average income of $87,199. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Austin-Round Rock, TX (402), San Antonio, TX (9) and Houston-Sugar Land-Baytown, TX (7) (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 | 452 |
| Total Mortgage Loan Application Amount | $29,738,000 |
| Average Mortgage Loan Application Amount | $65,792 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $87,199 |
| Highest Applicant Income | $800,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 402 | $ 26,256,000 | $ 65,313 | $ 86,000 |
| San Antonio, TX | 9 | $ 424,000 | $ 47,111 | $ 82,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 599,000 | $ 85,571 | $ 87,000 |
| Corpus Christi, TX | 4 | $ 304,000 | $ 76,000 | $ 104,000 |
| College Station-Bryan, TX | 3 | $ 299,000 | $ 99,666 | $ 133,000 |
| Brownsville-Harlingen, TX | 2 | $ 180,000 | $ 90,000 | $ 106,000 |
| Tyler, TX | 2 | $ 312,000 | $ 156,000 | $ 117,000 |
| Abilene, TX | 1 | $ 50,000 | $ 50,000 | $ 116,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2007
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 | 162 | $5,435,000 | $33,000 | $151,000 | $89,000 | $312,000 |
| Refinancing | 159 | $10,767,000 | $67,000 | $254,000 | $88,000 | $800,000 |
| Home Purchase | 131 | $13,536,000 | $103,000 | $417,000 | $84,000 | $222,000 |
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 | 350 | $23,242,000 | $66,000 | $417,000 | $93,000 | $800,000 |
| Hispanic | 80 | $4,702,000 | $58,000 | $207,000 | $65,000 | $163,000 |
| Not Provided | 11 | $1,089,000 | $99,000 | $250,000 | $79,000 | $117,000 |
| Black or African American | 10 | $605,000 | $60,000 | $165,000 | $73,000 | $123,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $150,000 | $150,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 451 | $29,728,000 | $65,000 | $417,000 | $87,000 | $800,000 |
| VA-guaranteed (Veterans Administration) | 1 | $10,000 | $10,000 | $10,000 | $47,000 | $47,000 |
| 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 |
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 | 345 | $24,275,000 | $70,000 | $417,000 | $88,000 | $362,000 |
| Application Denied By Financial Institution | 57 | $2,544,000 | $44,000 | $165,000 | $84,000 | $800,000 |
| Application Withdrawn By Applicant | 48 | $2,682,000 | $55,000 | $181,000 | $88,000 | $300,000 |
| File Closed For Incompleteness | 1 | $189,000 | $189,000 | $189,000 | $65,000 | $65,000 |
| Application Approved But Not Accepted | 1 | $48,000 | $48,000 | $48,000 | $57,000 | $57,000 |
| 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 | 30 | $1,145,000 | $38,000 | $165,000 | $97,000 | $800,000 |
| Debt-To-Income Ratio | 13 | $728,000 | $56,000 | $151,000 | $74,000 | $251,000 |
| Collateral | 6 | $168,000 | $28,000 | $100,000 | $77,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $162,000 | $162,000 | $162,000 | $42,000 | $42,000 |
| Other | 1 | $59,000 | $59,000 | $59,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2007 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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