A+ Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, A+ Federal Credit Union of Austin, TX reported 1,211 mortgage applications totaling $127.3 million, down 7% from 2013. The average application was for $105,134, and applicants reported an average income of $91,793. 45% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Austin-Round Rock, TX (1,078), San Antonio-New Braunfels, TX (30) and Houston-The Woodlands-Sugar Land, TX (23) (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 | 1,211 |
| Total Mortgage Loan Application Amount | $127,318,000 |
| Average Mortgage Loan Application Amount | $105,134 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $91,793 |
| Highest Applicant Income | $686,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,078 | $ 113,996,000 | $ 105,747 | $ 93,000 |
| San Antonio-New Braunfels, TX | 30 | $ 3,817,000 | $ 127,233 | $ 75,000 |
| Houston-The Woodlands-Sugar Land, TX | 23 | $ 2,519,000 | $ 109,521 | $ 109,000 |
| Killeen-Temple, TX | 13 | $ 851,000 | $ 65,461 | $ 87,000 |
| Brownsville-Harlingen, TX | 5 | $ 267,000 | $ 53,400 | $ 72,000 |
| Fort Worth-Arlington, TX | 5 | $ 950,000 | $ 190,000 | $ 90,000 |
| Dallas-Plano-Irving, TX | 4 | $ 161,000 | $ 40,250 | $ 90,000 |
| Laredo, TX | 4 | $ 204,000 | $ 51,000 | $ 59,000 |
| College Station-Bryan, TX | 2 | $ 329,000 | $ 164,500 | $ 94,000 |
| Corpus Christi, TX | 2 | $ 169,000 | $ 84,500 | $ 128,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 148,000 | $ 74,000 | $ 133,000 |
| Abilene, TX | 1 | $ 59,000 | $ 59,000 | $ 78,000 |
| Amarillo, TX | 1 | $ 148,000 | $ 148,000 | $ 80,000 |
| El Paso, TX | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Longview, TX | 1 | $ 170,000 | $ 170,000 | $ 75,000 |
| Odessa, TX | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Tyler, TX | 1 | $ 70,000 | $ 70,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2014
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 | 516 | $27,633,000 | $53,000 | $417,000 | $90,000 | $686,000 |
| Refinancing | 391 | $48,661,000 | $124,000 | $500,000 | $94,000 | $400,000 |
| Home Purchase | 304 | $51,024,000 | $167,000 | $3,400,000 | $92,000 | $425,000 |
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 | 703 | $76,587,000 | $108,000 | $3,400,000 | $94,000 | $686,000 |
| Hispanic | 262 | $24,584,000 | $93,000 | $500,000 | $83,000 | $425,000 |
| Not Provided | 163 | $17,450,000 | $107,000 | $365,000 | $95,000 | $354,000 |
| Black or African American | 54 | $5,072,000 | $93,000 | $330,000 | $85,000 | $317,000 |
| Asian | 21 | $2,506,000 | $119,000 | $330,000 | $131,000 | $280,000 |
| American Indian or Alaskan Native | 7 | $1,059,000 | $151,000 | $500,000 | $72,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $71,000 | $71,000 |
| 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) | 1,178 | $122,219,000 | $103,000 | $3,400,000 | $92,000 | $686,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,496,000 | $152,000 | $262,000 | $78,000 | $201,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,395,000 | $155,000 | $253,000 | $100,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $208,000 | $208,000 | $208,000 | $45,000 | $45,000 |
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 | 543 | $57,180,000 | $105,000 | $500,000 | $94,000 | $425,000 |
| Application Withdrawn By Applicant | 325 | $36,818,000 | $113,000 | $500,000 | $102,000 | $686,000 |
| Application Denied By Financial Institution | 276 | $25,659,000 | $92,000 | $3,400,000 | $73,000 | $400,000 |
| Application Approved But Not Accepted | 39 | $2,866,000 | $73,000 | $360,000 | $92,000 | $201,000 |
| File Closed For Incompleteness | 28 | $4,795,000 | $171,000 | $365,000 | $128,000 | $354,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 99 | $12,632,000 | $127,000 | $3,400,000 | $56,000 | $216,000 |
| Collateral | 85 | $3,471,000 | $40,000 | $204,000 | $85,000 | $400,000 |
| Credit History | 78 | $8,140,000 | $104,000 | $417,000 | $82,000 | $317,000 |
| Unverifiable Information | 3 | $409,000 | $136,000 | $165,000 | $63,000 | $80,000 |
| Other | 2 | $99,000 | $49,000 | $75,000 | $64,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $267,000 | $133,000 | $137,000 | $55,000 | $90,000 |
| Employment History | 1 | $88,000 | $88,000 | $88,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2014 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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