A+ Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, A+ Federal Credit Union of Austin, TX reported 2,656 mortgage applications totaling $304.3 million, up 88% from 2018. The average application was for $114,578, and applicants reported an average income of $89,074. 35% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Austin-Round Rock, TX (1,291), Houston-The Woodlands-Sugar Land, TX (152) and San Antonio-New Braunfels, TX (151) (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 | 2,656 |
| Total Mortgage Loan Application Amount | $304,320,000 |
| Average Mortgage Loan Application Amount | $114,578 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $89,074 |
| Highest Applicant Income | $1,200,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,291 | $ 164,135,000 | $ 127,137 | $ 94,000 |
| Outside any metro area | 443 | $ 43,425,000 | $ 98,024 | $ 85,000 |
| Houston-The Woodlands-Sugar Land, TX | 152 | $ 17,090,000 | $ 112,434 | $ 94,000 |
| San Antonio-New Braunfels, TX | 151 | $ 16,835,000 | $ 111,490 | $ 81,000 |
| Dallas-Plano-Irving, TX | 70 | $ 6,860,000 | $ 98,000 | $ 78,000 |
| Fort Worth-Arlington, TX | 58 | $ 5,740,000 | $ 98,965 | $ 81,000 |
| Killeen-Temple, TX | 54 | $ 5,750,000 | $ 106,481 | $ 78,000 |
| Beaumont-Port Arthur, TX | 41 | $ 3,855,000 | $ 94,024 | $ 106,000 |
| Odessa, TX | 32 | $ 2,920,000 | $ 91,250 | $ 71,000 |
| College Station-Bryan, TX | 25 | $ 2,195,000 | $ 87,800 | $ 79,000 |
| Midland, TX | 23 | $ 2,795,000 | $ 121,521 | $ 90,000 |
| Longview, TX | 21 | $ 1,795,000 | $ 85,476 | $ 69,000 |
| Waco, TX | 17 | $ 1,545,000 | $ 90,882 | $ 58,000 |
| Abilene, TX | 13 | $ 1,185,000 | $ 91,153 | $ 70,000 |
| Amarillo, TX | 13 | $ 1,365,000 | $ 105,000 | $ 76,000 |
| Texarkana, TX-AR | 13 | $ 1,135,000 | $ 87,307 | $ 80,000 |
| Victoria, TX | 13 | $ 1,315,000 | $ 101,153 | $ 69,000 |
| Lubbock, TX | 8 | $ 810,000 | $ 101,250 | $ 78,000 |
| San Angelo, TX | 8 | $ 950,000 | $ 118,750 | $ 91,000 |
| Tyler, TX | 8 | $ 620,000 | $ 77,500 | $ 71,000 |
| Corpus Christi, TX | 7 | $ 675,000 | $ 96,428 | $ 93,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 595,000 | $ 85,000 | $ 95,000 |
| Brownsville-Harlingen, TX | 6 | $ 580,000 | $ 96,666 | $ 71,000 |
| El Paso, TX | 6 | $ 570,000 | $ 95,000 | $ 68,000 |
| Sherman-Denison, TX | 6 | $ 610,000 | $ 101,666 | $ 78,000 |
| Wichita Falls, TX | 3 | $ 155,000 | $ 51,666 | $ 42,000 |
| Laredo, TX | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Barnstable Town, MA | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2019
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 Purchase | 1,350 | $145,710,000 | $107,000 | $905,000 | $84,000 | $719,000 |
| Cash-out Refinancing | 634 | $82,230,000 | $129,000 | $755,000 | $85,000 | $325,000 |
| Refinancing | 287 | $53,985,000 | $188,000 | $855,000 | $107,000 | $1,200,000 |
| Home Improvement | 201 | $11,765,000 | $58,000 | $305,000 | $112,000 | $508,000 |
| Other Purpose | 182 | $10,580,000 | $58,000 | $355,000 | $88,000 | $294,000 |
| Not Applicable | 2 | $50,000 | $25,000 | $45,000 | $28,000 | $51,000 |
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 | 1,408 | $156,040,000 | $110,000 | $905,000 | $90,000 | $1,200,000 |
| Not Provided | 705 | $85,135,000 | $120,000 | $855,000 | $94,000 | $508,000 |
| Hispanic | 385 | $40,635,000 | $105,000 | $375,000 | $78,000 | $296,000 |
| Black or African American | 84 | $9,330,000 | $111,000 | $355,000 | $79,000 | $269,000 |
| Not applicable | 48 | $9,960,000 | $207,000 | $665,000 | $132,000 | $228,000 |
| Asian | 19 | $2,355,000 | $123,000 | $445,000 | $78,000 | $131,000 |
| American Indian or Alaskan Native | 5 | $585,000 | $117,000 | $255,000 | $74,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $46,000 | $46,000 |
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) | 2,656 | $304,320,000 | $114,000 | $905,000 | $89,000 | $1,200,000 |
| 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 | 917 | $114,005,000 | $124,000 | $755,000 | $96,000 | $504,000 |
| Application Approved But Not Accepted | 541 | $56,535,000 | $104,000 | $435,000 | $87,000 | $719,000 |
| Loan Purchased By The Institution | 416 | $40,840,000 | $98,000 | $275,000 | $76,000 | $715,000 |
| Application Denied By Financial Institution | 315 | $30,885,000 | $98,000 | $905,000 | $81,000 | $1,200,000 |
| Application Withdrawn By Applicant | 281 | $37,605,000 | $133,000 | $855,000 | $97,000 | $504,000 |
| File Closed For Incompleteness | 183 | $23,825,000 | $130,000 | $485,000 | $92,000 | $508,000 |
| Preapproval Approved but not Accepted | 2 | $530,000 | $265,000 | $385,000 | $99,000 | $108,000 |
| Preapproval Denied by Financial Institution | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
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 | 2,340 | $273,340,000 | $116,000 | $855,000 | $90,000 | $719,000 |
| Credit History | 121 | $10,745,000 | $88,000 | $315,000 | $86,000 | $1,200,000 |
| Debt-To-Income Ratio | 90 | $10,050,000 | $111,000 | $905,000 | $56,000 | $337,000 |
| Collateral | 90 | $8,490,000 | $94,000 | $365,000 | $98,000 | $325,000 |
| Other | 7 | $745,000 | $106,000 | $245,000 | $104,000 | $360,000 |
| Employment History | 5 | $495,000 | $99,000 | $185,000 | $64,000 | $126,000 |
| Mortgage Insurance Denied | 2 | $420,000 | $210,000 | $215,000 | $74,000 | $79,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 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 2019 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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