A+ Federal Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, A+ Federal Credit Union of Austin, TX reported 3,038 mortgage applications totaling $551.6 million, up 13% from 2020. The average application was for $181,566, and applicants reported an average income of $111,056. 41% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Austin-Round Rock, TX (1,604), Houston-The Woodlands-Sugar Land, TX (159) and San Antonio-New Braunfels, TX (102) (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 | 3,038 |
| Total Mortgage Loan Application Amount | $551,600,000 |
| Average Mortgage Loan Application Amount | $181,566 |
| Highest Mortgage Loan Application Amount | $6,185,000 |
| Average Applicant Income | $111,056 |
| Highest Applicant Income | $1,068,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,604 | $ 317,680,000 | $ 198,054 | $ 114,000 |
| Outside any metro area | 428 | $ 54,800,000 | $ 128,037 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 159 | $ 43,695,000 | $ 274,811 | $ 154,000 |
| San Antonio-New Braunfels, TX | 102 | $ 18,880,000 | $ 185,098 | $ 108,000 |
| Killeen-Temple, TX | 96 | $ 14,000,000 | $ 145,833 | $ 89,000 |
| Dallas-Plano-Irving, TX | 54 | $ 12,180,000 | $ 225,555 | $ 126,000 |
| Fort Worth-Arlington, TX | 32 | $ 3,760,000 | $ 117,500 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 970,000 | $ 53,888 | $ 0 |
| Corpus Christi, TX | 17 | $ 3,675,000 | $ 216,176 | $ 157,000 |
| Beaumont-Port Arthur, TX | 14 | $ 5,840,000 | $ 417,142 | $ 67,000 |
| Grand Rapids-Wyoming, MI | 14 | $ 850,000 | $ 60,714 | $ 50,000 |
| Oklahoma City, OK | 11 | $ 1,145,000 | $ 104,090 | $ 0 |
| College Station-Bryan, TX | 9 | $ 1,225,000 | $ 136,111 | $ 139,000 |
| Midland, TX | 9 | $ 1,405,000 | $ 156,111 | $ 142,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 440,000 | $ 55,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 700,000 | $ 87,500 | $ 0 |
| Longview, TX | 7 | $ 615,000 | $ 87,857 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,345,000 | $ 192,142 | $ 83,000 |
| Tulsa, OK | 7 | $ 665,000 | $ 95,000 | $ 0 |
| Waco, TX | 7 | $ 645,000 | $ 92,142 | $ 114,000 |
| Lake Charles, LA | 6 | $ 580,000 | $ 96,666 | $ 0 |
| Lubbock, TX | 6 | $ 1,650,000 | $ 275,000 | $ 55,000 |
| Odessa, TX | 6 | $ 540,000 | $ 90,000 | $ 132,000 |
| Victoria, TX | 6 | $ 490,000 | $ 81,666 | $ 77,000 |
| Abilene, TX | 5 | $ 965,000 | $ 193,000 | $ 0 |
| Brownsville-Harlingen, TX | 5 | $ 455,000 | $ 91,000 | $ 98,000 |
| Tuscaloosa, AL | 5 | $ 535,000 | $ 107,000 | $ 0 |
| Amarillo, TX | 4 | $ 420,000 | $ 105,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 4 | $ 280,000 | $ 70,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 260,000 | $ 65,000 | $ 0 |
| Harrisburg-Carlisle, PA | 4 | $ 390,000 | $ 97,500 | $ 0 |
| Lawton, OK | 4 | $ 530,000 | $ 132,500 | $ 0 |
| New Orleans-Metairie, LA | 4 | $ 320,000 | $ 80,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 450,000 | $ 112,500 | $ 0 |
| Punta Gorda, FL | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Sherman-Denison, TX | 4 | $ 300,000 | $ 75,000 | $ 36,000 |
| Wichita Falls, TX | 4 | $ 810,000 | $ 202,500 | $ 0 |
| Albuquerque, NM | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Decatur, AL | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Hattiesburg, MS | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Jackson, MI | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Jackson, MS | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Lancaster, PA | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Lansing-East Lansing, MI | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Pittsburgh, PA | 3 | $ 275,000 | $ 91,666 | $ 0 |
| San Angelo, TX | 3 | $ 1,595,000 | $ 531,666 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Boise City, ID | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Erie, PA | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Flint, MI | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Fort Smith, AR-OK | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Gadsden, AL | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Monroe, MI | 2 | $ 110,000 | $ 55,000 | $ 0 |
| New York-Newark, NY | 2 | $ 100,000 | $ 50,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Tyler, TX | 2 | $ 360,000 | $ 180,000 | $ 145,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Alexandria, LA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Altoona, PA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Binghamton, NY | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bloomington, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bloomington, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bowling Green, KY | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Eau Claire, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| El Paso, TX | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Enid, OK | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Gettysburg, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hammond, LA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jackson, TN | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jacksonville, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Kankakee, IL | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Knoxville, TN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Madison, WI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Manhattan, KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Mobile, AL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Monroe, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Muskegon, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Owensboro, KY | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pueblo, CO | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 105,000 | $ 105,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Springfield, MO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Springfield, OH | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Topeka, KS | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Tucson, AZ | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Wichita, KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Williamsport, PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2021
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 | 1,057 | $151,665,000 | $143,000 | $1,575,000 | $111,000 | $450,000 |
| Cash-out Refinancing | 828 | $219,810,000 | $265,000 | $6,005,000 | $107,000 | $589,000 |
| Refinancing | 659 | $138,095,000 | $209,000 | $6,185,000 | $113,000 | $813,000 |
| Other Purpose | 283 | $25,615,000 | $90,000 | $675,000 | $103,000 | $439,000 |
| Home Improvement | 211 | $16,415,000 | $77,000 | $405,000 | $132,000 | $1,068,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,053 | $205,825,000 | $195,000 | $6,185,000 | $117,000 | $1,068,000 |
| Not applicable | 899 | $135,025,000 | $150,000 | $6,005,000 | $0 | $0 |
| Hispanic | 477 | $75,625,000 | $158,000 | $725,000 | $93,000 | $589,000 |
| Not Provided | 384 | $87,110,000 | $226,000 | $1,575,000 | $115,000 | $693,000 |
| Black or African American | 156 | $28,320,000 | $181,000 | $765,000 | $104,000 | $955,000 |
| Asian | 36 | $8,890,000 | $246,000 | $725,000 | $150,000 | $420,000 |
| American Indian or Alaskan Native | 18 | $3,310,000 | $183,000 | $555,000 | $104,000 | $221,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $145,000 | $145,000 |
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) | 3,038 | $551,600,000 | $181,000 | $6,185,000 | $111,000 | $1,068,000 |
| 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 | 1,246 | $260,380,000 | $208,000 | $4,235,000 | $116,000 | $693,000 |
| Loan Purchased By The Institution | 826 | $82,670,000 | $100,000 | $315,000 | $0 | $0 |
| Application Withdrawn By Applicant | 521 | $104,325,000 | $200,000 | $6,185,000 | $112,000 | $1,068,000 |
| Application Denied By Financial Institution | 263 | $52,385,000 | $199,000 | $6,005,000 | $88,000 | $540,000 |
| Preapproval Approved but not Accepted | 81 | $24,105,000 | $297,000 | $1,405,000 | $109,000 | $275,000 |
| Application Approved But Not Accepted | 52 | $15,420,000 | $296,000 | $1,285,000 | $117,000 | $559,000 |
| File Closed For Incompleteness | 46 | $11,140,000 | $242,000 | $725,000 | $113,000 | $813,000 |
| Preapproval Denied by Financial Institution | 3 | $1,175,000 | $391,000 | $505,000 | $28,000 | $55,000 |
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 | 2,772 | $498,040,000 | $179,000 | $6,185,000 | $114,000 | $1,068,000 |
| Credit History | 105 | $14,655,000 | $139,000 | $675,000 | $88,000 | $540,000 |
| Debt-To-Income Ratio | 102 | $28,560,000 | $280,000 | $6,005,000 | $65,000 | $299,000 |
| Other | 32 | $3,740,000 | $116,000 | $265,000 | $105,000 | $250,000 |
| Collateral | 15 | $2,095,000 | $139,000 | $355,000 | $170,000 | $420,000 |
| Unverifiable Information | 6 | $3,130,000 | $521,000 | $1,305,000 | $49,000 | $83,000 |
| Employment History | 5 | $1,235,000 | $247,000 | $375,000 | $130,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $240,000 | $240,000 |
| 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 2021 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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