A+ Federal Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, A+ Federal Credit Union of Austin, TX reported 2,681 mortgage applications totaling $420.9 million, up 1% from 2019. The average application was for $156,991, and applicants reported an average income of $102,024. 35% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Austin-Round Rock, TX (1,733), Houston-The Woodlands-Sugar Land, TX (134) and San Antonio-New Braunfels, TX (98) (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 | 2,681 |
| Total Mortgage Loan Application Amount | $420,895,000 |
| Average Mortgage Loan Application Amount | $156,991 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $102,024 |
| 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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,733 | $ 265,715,000 | $ 153,326 | $ 108,000 |
| Outside any metro area | 266 | $ 28,140,000 | $ 105,789 | $ 82,543 |
| Houston-The Woodlands-Sugar Land, TX | 134 | $ 42,750,000 | $ 319,029 | $ 140,000 |
| San Antonio-New Braunfels, TX | 98 | $ 19,720,000 | $ 201,224 | $ 81,000 |
| Killeen-Temple, TX | 87 | $ 12,285,000 | $ 141,206 | $ 84,000 |
| Dallas-Plano-Irving, TX | 60 | $ 8,880,000 | $ 148,000 | $ 116,000 |
| Fort Worth-Arlington, TX | 39 | $ 4,315,000 | $ 110,641 | $ 90,000 |
| Beaumont-Port Arthur, TX | 19 | $ 1,785,000 | $ 93,947 | $ 74,000 |
| Corpus Christi, TX | 11 | $ 1,485,000 | $ 135,000 | $ 119,000 |
| Abilene, TX | 9 | $ 815,000 | $ 90,555 | $ 73,000 |
| College Station-Bryan, TX | 8 | $ 620,000 | $ 77,500 | $ 104,000 |
| Longview, TX | 7 | $ 705,000 | $ 100,714 | $ 77,000 |
| Lubbock, TX | 7 | $ 655,000 | $ 93,571 | $ 53,000 |
| Victoria, TX | 7 | $ 605,000 | $ 86,428 | $ 59,000 |
| Midland, TX | 6 | $ 560,000 | $ 93,333 | $ 67,000 |
| Waco, TX | 6 | $ 730,000 | $ 121,666 | $ 129,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 650,000 | $ 162,500 | $ 108,000 |
| Odessa, TX | 4 | $ 320,000 | $ 80,000 | $ 109,000 |
| Oklahoma City, OK | 4 | $ 400,000 | $ 100,000 | $ 79,000 |
| Sherman-Denison, TX | 4 | $ 290,000 | $ 72,500 | $ 75,000 |
| Brownsville-Harlingen, TX | 3 | $ 305,000 | $ 101,666 | $ 86,000 |
| San Angelo, TX | 3 | $ 305,000 | $ 101,666 | $ 149,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 175,000 | $ 58,333 | $ 0 |
| York-Hanover, PA | 3 | $ 195,000 | $ 65,000 | $ 36,000 |
| Albuquerque, NM | 2 | $ 150,000 | $ 75,000 | $ 58,000 |
| Texarkana, TX-AR | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Altoona, PA | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Amarillo, TX | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Appleton, WI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Chicago-Naperville, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Jackson, MS | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Kalamazoo-Portage, MI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lancaster, PA | 1 | $ 65,000 | $ 65,000 | $ 101,000 |
| Morgantown, WV | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rockford, IL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| State College, PA | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Tucson, AZ | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Tyler, TX | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Wichita Falls, TX | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2020
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 | 805 | $157,185,000 | $195,000 | $1,375,000 | $117,000 | $2,160,000 |
| Cash-out Refinancing | 775 | $143,755,000 | $185,000 | $3,805,000 | $98,000 | $470,000 |
| Home Purchase | 698 | $92,260,000 | $132,000 | $2,325,000 | $81,000 | $623,000 |
| Home Improvement | 216 | $14,880,000 | $68,000 | $505,000 | $139,000 | $1,750,000 |
| Other Purpose | 187 | $12,815,000 | $68,000 | $615,000 | $90,000 | $336,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,317 | $222,565,000 | $168,000 | $1,025,000 | $111,000 | $2,160,000 |
| White | 921 | $106,295,000 | $115,000 | $835,000 | $94,000 | $623,000 |
| Hispanic | 259 | $31,025,000 | $119,000 | $405,000 | $90,000 | $410,000 |
| Not applicable | 84 | $47,420,000 | $564,000 | $3,805,000 | $0 | $0 |
| Black or African American | 69 | $8,495,000 | $123,000 | $735,000 | $84,000 | $350,000 |
| Asian | 22 | $4,170,000 | $189,000 | $755,000 | $146,000 | $379,000 |
| American Indian or Alaskan Native | 7 | $785,000 | $112,000 | $275,000 | $109,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,681 | $420,895,000 | $156,000 | $3,805,000 | $102,000 | $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 | 942 | $167,290,000 | $177,000 | $3,805,000 | $106,000 | $452,000 |
| Application Withdrawn By Applicant | 505 | $84,705,000 | $167,000 | $905,000 | $122,000 | $2,138,000 |
| File Closed For Incompleteness | 357 | $58,585,000 | $164,000 | $1,025,000 | $119,000 | $2,160,000 |
| Loan Purchased By The Institution | 321 | $28,295,000 | $88,000 | $275,000 | $71,000 | $331,000 |
| Application Denied By Financial Institution | 314 | $44,220,000 | $140,000 | $1,705,000 | $84,000 | $1,920,000 |
| Application Approved But Not Accepted | 169 | $19,185,000 | $113,000 | $875,000 | $91,000 | $623,000 |
| Preapproval Approved but not Accepted | 61 | $15,285,000 | $250,000 | $485,000 | $91,000 | $222,000 |
| Preapproval Denied by Financial Institution | 12 | $3,330,000 | $277,000 | $725,000 | $62,000 | $175,000 |
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 | 2,355 | $373,345,000 | $158,000 | $3,805,000 | $105,000 | $2,160,000 |
| Debt-To-Income Ratio | 151 | $26,685,000 | $176,000 | $975,000 | $59,000 | $168,000 |
| Credit History | 87 | $10,785,000 | $123,000 | $1,705,000 | $93,000 | $1,920,000 |
| Collateral | 67 | $6,485,000 | $96,000 | $505,000 | $115,000 | $400,000 |
| Employment History | 9 | $2,055,000 | $228,000 | $725,000 | $74,000 | $175,000 |
| Other | 8 | $660,000 | $82,000 | $255,000 | $100,000 | $227,000 |
| Unverifiable Information | 3 | $705,000 | $235,000 | $355,000 | $185,000 | $300,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $175,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2020 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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