A+ Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, A+ Federal Credit Union of Austin, TX reported 1,141 mortgage applications totaling $119.7 million, up 27% from 2011. The average application was for $104,937, and applicants reported an average income of $93,432. 55% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (1,034), San Antonio-New Braunfels, TX (26) and Houston-Sugar Land-Baytown, TX (18) (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 | 1,141 |
| Total Mortgage Loan Application Amount | $119,734,000 |
| Average Mortgage Loan Application Amount | $104,937 |
| Highest Mortgage Loan Application Amount | $460,000 |
| Average Applicant Income | $93,432 |
| Highest Applicant Income | $917,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-San Marcos, TX | 1,034 | $ 109,923,000 | $ 106,308 | $ 93,000 |
| San Antonio-New Braunfels, TX | 26 | $ 2,531,000 | $ 97,346 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 18 | $ 1,573,000 | $ 87,388 | $ 91,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 735,000 | $ 73,500 | $ 108,000 |
| Corpus Christi, TX | 6 | $ 535,000 | $ 89,166 | $ 75,000 |
| Dallas-Plano-Irving, TX | 5 | $ 638,000 | $ 127,600 | $ 124,000 |
| Brownsville-Harlingen, TX | 2 | $ 111,000 | $ 55,500 | $ 69,000 |
| Fort Worth-Arlington, TX | 2 | $ 165,000 | $ 82,500 | $ 93,000 |
| Laredo, TX | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 50,000 | $ 25,000 | $ 80,000 |
| College Station-Bryan, TX | 1 | $ 119,000 | $ 119,000 | $ 150,000 |
| San Angelo, TX | 1 | $ 26,000 | $ 26,000 | $ 50,000 |
| Tyler, TX | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Victoria, TX | 1 | $ 180,000 | $ 180,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2012
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 | 692 | $82,887,000 | $119,000 | $460,000 | $93,000 | $730,000 |
| Home Purchase | 327 | $31,203,000 | $95,000 | $417,000 | $96,000 | $917,000 |
| Home Improvement | 122 | $5,644,000 | $46,000 | $200,000 | $89,000 | $438,000 |
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 | 761 | $78,726,000 | $103,000 | $460,000 | $97,000 | $917,000 |
| Hispanic | 225 | $22,651,000 | $100,000 | $417,000 | $81,000 | $280,000 |
| Not Provided | 78 | $11,038,000 | $141,000 | $400,000 | $103,000 | $500,000 |
| Black or African American | 58 | $5,197,000 | $89,000 | $292,000 | $75,000 | $208,000 |
| Asian | 13 | $1,263,000 | $97,000 | $320,000 | $92,000 | $225,000 |
| American Indian or Alaskan Native | 4 | $550,000 | $137,000 | $235,000 | $67,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $309,000 | $154,000 | $170,000 | $55,000 | $75,000 |
| 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) | 1,130 | $118,268,000 | $104,000 | $460,000 | $93,000 | $917,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,466,000 | $133,000 | $186,000 | $75,000 | $185,000 |
| 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 | 623 | $59,710,000 | $95,000 | $460,000 | $96,000 | $917,000 |
| Application Withdrawn By Applicant | 300 | $38,596,000 | $128,000 | $417,000 | $95,000 | $730,000 |
| Application Denied By Financial Institution | 200 | $19,563,000 | $97,000 | $417,000 | $80,000 | $673,000 |
| File Closed For Incompleteness | 17 | $1,773,000 | $104,000 | $215,000 | $106,000 | $188,000 |
| Application Approved But Not Accepted | 1 | $92,000 | $92,000 | $92,000 | $41,000 | $41,000 |
| 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 | 76 | $8,189,000 | $107,000 | $330,000 | $87,000 | $673,000 |
| Debt-To-Income Ratio | 59 | $6,379,000 | $108,000 | $417,000 | $65,000 | $300,000 |
| Collateral | 56 | $4,061,000 | $72,000 | $417,000 | $91,000 | $246,000 |
| Unverifiable Information | 2 | $55,000 | $27,000 | $45,000 | $46,000 | $60,000 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $48,000 | $48,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $237,000 | $237,000 | $237,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 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 2012 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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