A+ Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, A+ Federal Credit Union of Austin, TX reported 1,414 mortgage applications totaling $162.4 million, down 10% from 2017. The average application was for $114,879, and applicants reported an average income of $98,502. 42% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Austin-Round Rock, TX (1,203), San Antonio-New Braunfels, TX (45) and Killeen-Temple, TX (38) (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 | 1,414 |
| Total Mortgage Loan Application Amount | $162,440,000 |
| Average Mortgage Loan Application Amount | $114,879 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $98,502 |
| Highest Applicant Income | $2,160,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,203 | $ 136,745,000 | $ 113,669 | $ 97,000 |
| Outside any metro area | 45 | $ 6,715,000 | $ 149,222 | $ 89,488 |
| San Antonio-New Braunfels, TX | 45 | $ 5,625,000 | $ 125,000 | $ 145,000 |
| Killeen-Temple, TX | 38 | $ 3,350,000 | $ 88,157 | $ 85,000 |
| Houston-The Woodlands-Sugar Land, TX | 22 | $ 2,390,000 | $ 108,636 | $ 109,000 |
| Dallas-Plano-Irving, TX | 19 | $ 2,265,000 | $ 119,210 | $ 120,000 |
| Fort Worth-Arlington, TX | 9 | $ 955,000 | $ 106,111 | $ 136,000 |
| College Station-Bryan, TX | 7 | $ 1,285,000 | $ 183,571 | $ 85,000 |
| Waco, TX | 5 | $ 655,000 | $ 131,000 | $ 160,000 |
| Corpus Christi, TX | 4 | $ 690,000 | $ 172,500 | $ 61,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 450,000 | $ 112,500 | $ 65,000 |
| Brownsville-Harlingen, TX | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Tyler, TX | 2 | $ 260,000 | $ 130,000 | $ 51,000 |
| Barnstable Town, MA | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| Beaumont-Port Arthur, TX | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Laredo, TX | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Las Cruces, NM | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Lubbock, TX | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Midland, TX | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| San Angelo, TX | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Victoria, TX | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Wichita Falls, TX | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 508 | $60,490,000 | $119,000 | $1,405,000 | $94,000 | $2,160,000 |
| Refinancing | 350 | $43,850,000 | $125,000 | $665,000 | $90,000 | $600,000 |
| Home Improvement | 229 | $17,295,000 | $75,000 | $405,000 | $108,000 | $583,000 |
| Other Purpose | 186 | $10,560,000 | $56,000 | $405,000 | $97,000 | $1,440,000 |
| Home Purchase | 140 | $30,070,000 | $214,000 | $975,000 | $123,000 | $1,421,000 |
| Not Applicable | 1 | $175,000 | $175,000 | $175,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 590 | $68,570,000 | $116,000 | $755,000 | $97,000 | $2,160,000 |
| White | 543 | $64,105,000 | $118,000 | $795,000 | $107,000 | $1,421,000 |
| Hispanic | 195 | $18,275,000 | $93,000 | $325,000 | $83,000 | $300,000 |
| Black or African American | 55 | $4,965,000 | $90,000 | $415,000 | $87,000 | $379,000 |
| Not applicable | 19 | $5,215,000 | $274,000 | $1,405,000 | $108,000 | $211,000 |
| Asian | 9 | $915,000 | $101,000 | $245,000 | $80,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $245,000 | $73,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $36,000 | $36,000 |
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) | 1,414 | $162,440,000 | $114,000 | $1,405,000 | $98,000 | $2,160,000 |
| 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 |
| 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 | 588 | $75,290,000 | $128,000 | $1,405,000 | $103,000 | $1,421,000 |
| Application Denied By Financial Institution | 355 | $30,775,000 | $86,000 | $795,000 | $85,000 | $1,440,000 |
| Application Withdrawn By Applicant | 332 | $41,500,000 | $125,000 | $755,000 | $108,000 | $2,160,000 |
| File Closed For Incompleteness | 139 | $14,875,000 | $107,000 | $685,000 | $88,000 | $379,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,059 | $131,665,000 | $124,000 | $1,405,000 | $103,000 | $2,160,000 |
| Credit History | 136 | $10,380,000 | $76,000 | $325,000 | $84,000 | $1,440,000 |
| Collateral | 109 | $7,535,000 | $69,000 | $405,000 | $102,000 | $565,000 |
| Debt-To-Income Ratio | 98 | $11,240,000 | $114,000 | $795,000 | $68,000 | $265,000 |
| Employment History | 7 | $555,000 | $79,000 | $165,000 | $57,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $355,000 | $81,000 | $130,000 |
| Other | 2 | $580,000 | $290,000 | $405,000 | $75,000 | $75,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $160,000 | $160,000 |
| 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 2018 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About