A+ Federal Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, A+ Federal Credit Union of Austin, TX reported 741 mortgage applications totaling $66.4 million, up 17% from 2009. The average application was for $89,636, and applicants reported an average income of $90,901. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (681), San Antonio-New Braunfels, TX (16) and Killeen-Temple-Fort Hood, TX (8) (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 | 741 |
| Total Mortgage Loan Application Amount | $66,421,000 |
| Average Mortgage Loan Application Amount | $89,636 |
| Highest Mortgage Loan Application Amount | $488,000 |
| Average Applicant Income | $90,901 |
| Highest Applicant Income | $1,176,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2010
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 | 435 | $43,923,000 | $100,000 | $417,000 | $94,000 | $1,176,000 |
| Home Improvement | 214 | $8,791,000 | $41,000 | $400,000 | $88,000 | $250,000 |
| Home Purchase | 92 | $13,707,000 | $148,000 | $488,000 | $83,000 | $536,000 |
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 | 580 | $51,248,000 | $88,000 | $488,000 | $94,000 | $1,176,000 |
| Hispanic | 125 | $11,004,000 | $88,000 | $400,000 | $77,000 | $996,000 |
| Black or African American | 25 | $2,748,000 | $109,000 | $394,000 | $76,000 | $200,000 |
| Not Provided | 5 | $634,000 | $126,000 | $194,000 | $92,000 | $154,000 |
| Asian | 4 | $535,000 | $133,000 | $254,000 | $93,000 | $139,000 |
| American Indian or Alaskan Native | 2 | $252,000 | $126,000 | $160,000 | $67,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 694 | $60,719,000 | $87,000 | $488,000 | $91,000 | $1,176,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,702,000 | $121,000 | $241,000 | $85,000 | $996,000 |
| 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 | 403 | $33,758,000 | $83,000 | $375,000 | $93,000 | $1,176,000 |
| Application Denied By Financial Institution | 135 | $10,455,000 | $77,000 | $488,000 | $83,000 | $996,000 |
| Application Withdrawn By Applicant | 122 | $12,388,000 | $101,000 | $400,000 | $83,000 | $220,000 |
| File Closed For Incompleteness | 72 | $9,469,000 | $131,000 | $394,000 | $104,000 | $637,000 |
| Application Approved But Not Accepted | 9 | $351,000 | $39,000 | $163,000 | $95,000 | $177,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 42 | $3,406,000 | $81,000 | $488,000 | $66,000 | $536,000 |
| Credit History | 41 | $3,376,000 | $82,000 | $417,000 | $90,000 | $996,000 |
| Collateral | 33 | $1,920,000 | $58,000 | $400,000 | $92,000 | $250,000 |
| Credit Application Incomplete | 3 | $195,000 | $65,000 | $104,000 | $66,000 | $103,000 |
| Employment History | 3 | $720,000 | $240,000 | $410,000 | $115,000 | $260,000 |
| Other | 3 | $315,000 | $105,000 | $155,000 | $189,000 | $439,000 |
| Unverifiable Information | 2 | $95,000 | $47,000 | $80,000 | $20,000 | $26,000 |
| Mortgage Insurance Denied | 2 | $190,000 | $95,000 | $100,000 | $81,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $10,000 | $10,000 | $10,000 | $73,000 | $73,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2010 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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