A+ Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, A+ Federal Credit Union of Austin, TX reported 3,196 mortgage applications totaling $574.7 million, up 5% from 2021. The average application was for $179,802, and applicants reported an average income of $130,294. 39% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Austin-Round Rock, TX (1,744), Houston-The Woodlands-Sugar Land, TX (158) and Killeen-Temple, TX (115) (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 | 3,196 |
| Total Mortgage Loan Application Amount | $574,650,000 |
| Average Mortgage Loan Application Amount | $179,802 |
| Highest Mortgage Loan Application Amount | $11,505,000 |
| Average Applicant Income | $130,294 |
| Highest Applicant Income | $2,071,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,744 | $ 308,200,000 | $ 176,720 | $ 125,000 |
| Outside any metro area | 494 | $ 72,510,000 | $ 146,781 | $ 128,000 |
| Houston-The Woodlands-Sugar Land, TX | 158 | $ 40,520,000 | $ 256,455 | $ 161,000 |
| Killeen-Temple, TX | 115 | $ 16,775,000 | $ 145,869 | $ 98,000 |
| San Antonio-New Braunfels, TX | 114 | $ 20,290,000 | $ 177,982 | $ 120,000 |
| Dallas-Plano-Irving, TX | 71 | $ 13,215,000 | $ 186,126 | $ 126,000 |
| Fort Worth-Arlington, TX | 57 | $ 9,095,000 | $ 159,561 | $ 141,000 |
| Oklahoma City, OK | 22 | $ 2,850,000 | $ 129,545 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 2,080,000 | $ 115,555 | $ 0 |
| Beaumont-Port Arthur, TX | 17 | $ 5,705,000 | $ 335,588 | $ 0 |
| College Station-Bryan, TX | 13 | $ 1,875,000 | $ 144,230 | $ 74,000 |
| Waco, TX | 12 | $ 2,550,000 | $ 212,500 | $ 121,000 |
| Birmingham-Hoover, AL | 11 | $ 1,555,000 | $ 141,363 | $ 0 |
| Longview, TX | 11 | $ 1,535,000 | $ 139,545 | $ 118,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,015,000 | $ 112,777 | $ 0 |
| Corpus Christi, TX | 8 | $ 3,010,000 | $ 376,250 | $ 149,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 1,190,000 | $ 148,750 | $ 0 |
| Lubbock, TX | 8 | $ 1,360,000 | $ 170,000 | $ 151,000 |
| Tuscaloosa, AL | 8 | $ 1,200,000 | $ 150,000 | $ 0 |
| Victoria, TX | 8 | $ 15,100,000 | $ 1,887,500 | $ 96,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 350,000 | $ 58,333 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 550,000 | $ 91,666 | $ 0 |
| Jackson, MS | 6 | $ 810,000 | $ 135,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 460,000 | $ 76,666 | $ 0 |
| Sherman-Denison, TX | 6 | $ 1,000,000 | $ 166,666 | $ 99,000 |
| Tulsa, OK | 6 | $ 640,000 | $ 106,666 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 440,000 | $ 73,333 | $ 0 |
| Brownsville-Harlingen, TX | 5 | $ 295,000 | $ 59,000 | $ 83,000 |
| Lake Charles, LA | 5 | $ 455,000 | $ 91,000 | $ 0 |
| Lakeland-Winter Haven, FL | 5 | $ 745,000 | $ 149,000 | $ 0 |
| Tyler, TX | 5 | $ 465,000 | $ 93,000 | $ 0 |
| Abilene, TX | 4 | $ 1,460,000 | $ 365,000 | $ 0 |
| Albuquerque, NM | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 630,000 | $ 157,500 | $ 0 |
| Decatur, AL | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Hattiesburg, MS | 4 | $ 420,000 | $ 105,000 | $ 0 |
| Midland, TX | 4 | $ 760,000 | $ 190,000 | $ 0 |
| Panama City, FL | 4 | $ 660,000 | $ 165,000 | $ 0 |
| Savannah, GA | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Wichita Falls, TX | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Amarillo, TX | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Lancaster, PA | 3 | $ 215,000 | $ 71,666 | $ 0 |
| McAllen-Edinburg-Mission, TX | 3 | $ 725,000 | $ 241,666 | $ 177,000 |
| Monroe, LA | 3 | $ 185,000 | $ 61,666 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Albany, GA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Alexandria, LA | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Columbia, SC | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Fayetteville, NC | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Gadsden, AL | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Houma-Thibodaux, LA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Lafayette, LA | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Lawton, OK | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Manhattan, KS | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 220,000 | $ 110,000 | $ 0 |
| New York-Newark, NY | 2 | $ 260,000 | $ 130,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Odessa, TX | 2 | $ 210,000 | $ 105,000 | $ 74,000 |
| Pine Bluff, AR | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Pittsburgh, PA | 2 | $ 130,000 | $ 65,000 | $ 0 |
| San Angelo, TX | 2 | $ 240,000 | $ 120,000 | $ 29,000 |
| St. Louis, MO-IL | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Tallahassee, FL | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Valdosta, GA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Bellingham, WA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Bloomington, IL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Bowling Green, KY | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Eau Claire, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| El Paso, TX | 1 | $ 135,000 | $ 135,000 | $ 151,000 |
| Farmington, NM | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Gary, IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hammond, LA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Huntsville, AL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jackson, MI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Laredo, TX | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Las Cruces, NM | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Mobile, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Muskegon, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Ocala, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pocatello, ID | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Santa Fe, NM | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Springfield, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Topeka, KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Wausau, WI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wichita, KS | 1 | $ 25,000 | $ 25,000 | $ 0 |
| York-Hanover, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2022
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 | 1,199 | $222,555,000 | $185,000 | $1,405,000 | $146,000 | $2,071,000 |
| Cash-out Refinancing | 650 | $176,160,000 | $271,000 | $6,075,000 | $109,000 | $1,800,000 |
| Other Purpose | 591 | $57,895,000 | $97,000 | $445,000 | $128,000 | $1,846,000 |
| Home Improvement | 508 | $49,490,000 | $97,000 | $975,000 | $135,000 | $1,601,000 |
| Refinancing | 248 | $68,550,000 | $276,000 | $11,505,000 | $106,000 | $408,000 |
| 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 | 1,047 | $179,505,000 | $171,000 | $1,195,000 | $134,000 | $1,846,000 |
| Not applicable | 1,020 | $182,960,000 | $179,000 | $11,505,000 | $0 | $0 |
| Hispanic | 529 | $81,195,000 | $153,000 | $775,000 | $100,000 | $425,000 |
| Not Provided | 313 | $66,235,000 | $211,000 | $1,405,000 | $133,000 | $2,071,000 |
| Black or African American | 154 | $24,480,000 | $158,000 | $855,000 | $110,000 | $1,368,000 |
| Asian | 83 | $25,025,000 | $301,000 | $835,000 | $138,000 | $593,000 |
| American Indian or Alaskan Native | 20 | $4,730,000 | $236,000 | $1,205,000 | $127,000 | $290,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $610,000 | $152,000 | $205,000 | $161,000 | $317,000 |
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) | 3,196 | $574,650,000 | $179,000 | $11,505,000 | $124,000 | $2,071,000 |
| 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 | 1,235 | $252,005,000 | $204,000 | $6,075,000 | $125,000 | $2,071,000 |
| Loan Purchased By The Institution | 916 | $120,230,000 | $131,000 | $415,000 | $0 | $0 |
| Application Withdrawn By Applicant | 502 | $100,280,000 | $199,000 | $11,505,000 | $141,000 | $1,846,000 |
| Application Denied By Financial Institution | 333 | $44,975,000 | $135,000 | $2,105,000 | $101,000 | $678,000 |
| Preapproval Approved but not Accepted | 70 | $25,670,000 | $366,000 | $1,405,000 | $119,000 | $361,000 |
| Application Approved But Not Accepted | 67 | $14,545,000 | $217,000 | $1,385,000 | $123,000 | $384,000 |
| File Closed For Incompleteness | 66 | $14,020,000 | $212,000 | $605,000 | $120,000 | $400,000 |
| Preapproval Denied by Financial Institution | 7 | $2,925,000 | $417,000 | $1,015,000 | $120,000 | $197,000 |
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 | 2,856 | $526,750,000 | $184,000 | $11,505,000 | $129,000 | $2,071,000 |
| Credit History | 114 | $13,000,000 | $114,000 | $375,000 | $99,000 | $678,000 |
| Other | 86 | $10,300,000 | $119,000 | $1,195,000 | $108,000 | $600,000 |
| Debt-To-Income Ratio | 84 | $16,120,000 | $191,000 | $1,015,000 | $71,000 | $218,000 |
| Collateral | 44 | $4,450,000 | $101,000 | $235,000 | $140,000 | $322,000 |
| Unverifiable Information | 10 | $3,710,000 | $371,000 | $2,105,000 | $117,000 | $276,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $195,000 | $91,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2022 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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