A+ Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, A+ Federal Credit Union of Austin, TX reported 2,114 mortgage applications totaling $293.8 million, down 34% from 2022. The average application was for $138,982, and applicants reported an average income of $128,421. 25% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Austin-Round Rock, TX (1,121), Killeen-Temple, TX (105) and Houston-The Woodlands-Sugar Land, TX (94) (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 | 2,114 |
| Total Mortgage Loan Application Amount | $293,810,000 |
| Average Mortgage Loan Application Amount | $138,982 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $128,421 |
| Highest Applicant Income | $6,540,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,121 | $ 153,405,000 | $ 136,846 | $ 135,000 |
| Outside any metro area | 416 | $ 67,270,000 | $ 161,706 | $ 124,906 |
| Killeen-Temple, TX | 105 | $ 11,345,000 | $ 108,047 | $ 101,000 |
| Houston-The Woodlands-Sugar Land, TX | 94 | $ 12,420,000 | $ 132,127 | $ 106,000 |
| San Antonio-New Braunfels, TX | 66 | $ 8,230,000 | $ 124,696 | $ 108,000 |
| Dallas-Plano-Irving, TX | 31 | $ 4,075,000 | $ 131,451 | $ 209,000 |
| Fort Worth-Arlington, TX | 20 | $ 2,600,000 | $ 130,000 | $ 141,000 |
| Corpus Christi, TX | 14 | $ 2,290,000 | $ 163,571 | $ 217,000 |
| Waco, TX | 14 | $ 1,440,000 | $ 102,857 | $ 109,000 |
| Oklahoma City, OK | 12 | $ 1,540,000 | $ 128,333 | $ 0 |
| Abilene, TX | 10 | $ 1,180,000 | $ 118,000 | $ 0 |
| College Station-Bryan, TX | 9 | $ 1,185,000 | $ 131,666 | $ 144,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 965,000 | $ 107,222 | $ 0 |
| Augusta-Richmond County, GA-SC | 7 | $ 885,000 | $ 126,428 | $ 0 |
| Tulsa, OK | 7 | $ 1,075,000 | $ 153,571 | $ 0 |
| Jackson, MS | 6 | $ 740,000 | $ 123,333 | $ 0 |
| Lubbock, TX | 6 | $ 800,000 | $ 133,333 | $ 150,000 |
| Victoria, TX | 6 | $ 740,000 | $ 123,333 | $ 504,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 735,000 | $ 147,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 425,000 | $ 85,000 | $ 0 |
| Lafayette, LA | 5 | $ 735,000 | $ 147,000 | $ 0 |
| Tuscaloosa, AL | 5 | $ 815,000 | $ 163,000 | $ 0 |
| Beaumont-Port Arthur, TX | 4 | $ 730,000 | $ 182,500 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 600,000 | $ 150,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Laredo, TX | 4 | $ 230,000 | $ 57,500 | $ 122,000 |
| Longview, TX | 4 | $ 400,000 | $ 100,000 | $ 64,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 300,000 | $ 75,000 | $ 45,000 |
| Midland, TX | 4 | $ 640,000 | $ 160,000 | $ 68,000 |
| Sherman-Denison, TX | 4 | $ 770,000 | $ 192,500 | $ 120,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 605,000 | $ 201,666 | $ 0 |
| Hattiesburg, MS | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Memphis, TN-MS-AR | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Monroe, LA | 3 | $ 375,000 | $ 125,000 | $ 0 |
| New York-Newark, NY | 3 | $ 165,000 | $ 55,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Odessa, TX | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 355,000 | $ 118,333 | $ 0 |
| Pittsburgh, PA | 3 | $ 375,000 | $ 125,000 | $ 0 |
| San Angelo, TX | 3 | $ 415,000 | $ 138,333 | $ 68,000 |
| Tyler, TX | 3 | $ 175,000 | $ 58,333 | $ 46,000 |
| Alexandria, LA | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Brownsville-Harlingen, TX | 2 | $ 220,000 | $ 110,000 | $ 88,000 |
| Chicago-Naperville, IL | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Columbia, SC | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 2 | $ 170,000 | $ 85,000 | $ 0 |
| El Paso, TX | 2 | $ 270,000 | $ 135,000 | $ 169,000 |
| Florence, SC | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Hammond, LA | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Jackson, TN | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Lawton, OK | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Mobile, AL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Savannah, GA | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Texarkana, TX-AR | 2 | $ 270,000 | $ 135,000 | $ 90,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Albany, GA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Asheville, NC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Decatur, AL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fayetteville, NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Huntsville, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jonesboro, AR | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Montgomery, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Raleigh, NC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Santa Fe, NM | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sumter, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Tucson, AZ | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Valdosta, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 115,000 | $ 115,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2023
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 | 731 | $126,495,000 | $173,000 | $2,005,000 | $122,000 | $371,000 |
| Other Purpose | 680 | $57,870,000 | $85,000 | $1,005,000 | $139,000 | $6,540,000 |
| Home Improvement | 429 | $36,255,000 | $84,000 | $605,000 | $129,000 | $1,021,000 |
| Cash-out Refinancing | 191 | $56,425,000 | $295,000 | $6,005,000 | $119,000 | $1,325,000 |
| Refinancing | 83 | $16,765,000 | $201,000 | $2,345,000 | $117,000 | $420,000 |
| 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 | 721 | $94,865,000 | $131,000 | $2,235,000 | $138,000 | $2,880,000 |
| Not applicable | 601 | $93,075,000 | $154,000 | $6,005,000 | $0 | $0 |
| Hispanic | 402 | $41,180,000 | $102,000 | $575,000 | $105,000 | $912,000 |
| Not Provided | 208 | $38,280,000 | $184,000 | $705,000 | $120,000 | $718,000 |
| Black or African American | 113 | $14,585,000 | $129,000 | $655,000 | $126,000 | $1,080,000 |
| Asian | 51 | $10,205,000 | $200,000 | $2,005,000 | $304,000 | $6,540,000 |
| American Indian or Alaskan Native | 11 | $685,000 | $62,000 | $215,000 | $76,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $460,000 | $115,000 | $245,000 | $114,000 | $211,000 |
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) | 2,114 | $293,810,000 | $138,000 | $6,005,000 | $131,000 | $6,540,000 |
| 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 Purchased By The Institution | 577 | $77,955,000 | $135,000 | $495,000 | $0 | $0 |
| Loan Originated | 528 | $65,730,000 | $124,000 | $2,345,000 | $122,000 | $1,325,000 |
| Application Denied By Financial Institution | 495 | $61,235,000 | $123,000 | $6,005,000 | $110,000 | $2,880,000 |
| Application Withdrawn By Applicant | 354 | $48,380,000 | $136,000 | $1,425,000 | $175,000 | $6,540,000 |
| Preapproval Approved but not Accepted | 84 | $25,700,000 | $305,000 | $1,165,000 | $117,000 | $371,000 |
| File Closed For Incompleteness | 37 | $6,505,000 | $175,000 | $1,005,000 | $140,000 | $420,000 |
| Application Approved But Not Accepted | 35 | $7,135,000 | $203,000 | $1,045,000 | $135,000 | $308,000 |
| Preapproval Denied by Financial Institution | 4 | $1,170,000 | $292,000 | $445,000 | $153,000 | $258,000 |
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 | 1,615 | $231,405,000 | $143,000 | $2,345,000 | $141,000 | $6,540,000 |
| Credit History | 167 | $16,775,000 | $100,000 | $2,235,000 | $118,000 | $2,880,000 |
| Other | 136 | $13,840,000 | $101,000 | $255,000 | $123,000 | $500,000 |
| Debt-To-Income Ratio | 125 | $25,005,000 | $200,000 | $6,005,000 | $60,000 | $288,000 |
| Collateral | 61 | $5,685,000 | $93,000 | $395,000 | $167,000 | $839,000 |
| Unverifiable Information | 9 | $1,075,000 | $119,000 | $345,000 | $100,000 | $258,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2023 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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