A+ Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, A+ Federal Credit Union of Austin, TX reported 1,574 mortgage applications totaling $225.0 million, up 27% from 2016. The average application was for $142,954, and applicants reported an average income of $105,174. 41% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Austin-Round Rock, TX (1,372), Houston-The Woodlands-Sugar Land, TX (38) and Dallas-Plano-Irving, TX (29) (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 | 1,574 |
| Total Mortgage Loan Application Amount | $225,010,000 |
| Average Mortgage Loan Application Amount | $142,954 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $105,174 |
| Highest Applicant Income | $3,000,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,372 | $ 196,116,000 | $ 142,941 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 38 | $ 6,907,000 | $ 181,763 | $ 134,000 |
| Dallas-Plano-Irving, TX | 29 | $ 4,340,000 | $ 149,655 | $ 106,000 |
| San Antonio-New Braunfels, TX | 29 | $ 5,276,000 | $ 181,931 | $ 80,000 |
| Killeen-Temple, TX | 26 | $ 2,699,000 | $ 103,807 | $ 75,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,420,000 | $ 157,777 | $ 130,000 |
| Corpus Christi, TX | 4 | $ 398,000 | $ 99,500 | $ 130,000 |
| Odessa, TX | 3 | $ 512,000 | $ 170,666 | $ 113,000 |
| College Station-Bryan, TX | 2 | $ 333,000 | $ 166,500 | $ 98,000 |
| Abilene, TX | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Laredo, TX | 1 | $ 171,000 | $ 171,000 | $ 73,000 |
| Lubbock, TX | 1 | $ 160,000 | $ 160,000 | $ 106,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 82,000 | $ 82,000 | $ 62,000 |
| San Angelo, TX | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Tyler, TX | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Waco, TX | 1 | $ 130,000 | $ 130,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2017
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 | 931 | $111,932,000 | $120,000 | $720,000 | $99,000 | $1,524,000 |
| Refinancing | 527 | $87,780,000 | $166,000 | $1,600,000 | $117,000 | $3,000,000 |
| Home Purchase | 116 | $25,298,000 | $218,000 | $790,000 | $101,000 | $284,000 |
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 | 702 | $104,981,000 | $149,000 | $1,200,000 | $110,000 | $2,240,000 |
| Not Provided | 495 | $64,431,000 | $130,000 | $522,000 | $100,000 | $1,524,000 |
| Hispanic | 253 | $34,316,000 | $135,000 | $588,000 | $96,000 | $960,000 |
| Black or African American | 69 | $9,326,000 | $135,000 | $650,000 | $100,000 | $1,290,000 |
| Asian | 32 | $6,186,000 | $193,000 | $790,000 | $134,000 | $464,000 |
| Not applicable | 10 | $4,024,000 | $402,000 | $1,600,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $812,000 | $116,000 | $254,000 | $71,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $934,000 | $155,000 | $252,000 | $559,000 | $3,000,000 |
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) | 1,540 | $220,483,000 | $143,000 | $1,600,000 | $106,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,882,000 | $133,000 | $286,000 | $77,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 4 | $460,000 | $115,000 | $198,000 | $47,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
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 | 640 | $104,288,000 | $162,000 | $1,600,000 | $110,000 | $2,240,000 |
| Application Denied By Financial Institution | 409 | $42,661,000 | $104,000 | $500,000 | $91,000 | $1,524,000 |
| Application Withdrawn By Applicant | 356 | $52,223,000 | $146,000 | $720,000 | $111,000 | $3,000,000 |
| File Closed For Incompleteness | 169 | $25,838,000 | $152,000 | $1,200,000 | $110,000 | $600,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 177 | $16,639,000 | $94,000 | $400,000 | $95,000 | $1,524,000 |
| Collateral | 105 | $8,898,000 | $84,000 | $350,000 | $118,000 | $706,000 |
| Debt-To-Income Ratio | 103 | $13,329,000 | $129,000 | $411,000 | $59,000 | $204,000 |
| Employment History | 7 | $855,000 | $122,000 | $304,000 | $80,000 | $360,000 |
| Other | 5 | $1,381,000 | $276,000 | $500,000 | $136,000 | $245,000 |
| Unverifiable Information | 4 | $643,000 | $160,000 | $350,000 | $43,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $126,000 | $126,000 | $126,000 | $0 | $0 |
| 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 2017 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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