A+ Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, A+ Federal Credit Union of Austin, TX reported 1,274 mortgage applications totaling $113.9 million, up 5% from 2014. The average application was for $89,404, and applicants reported an average income of $94,124. 34% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Austin-Round Rock, TX (1,136), San Antonio-New Braunfels, TX (24) and Houston-The Woodlands-Sugar Land, TX (19) (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 | 1,274 |
| Total Mortgage Loan Application Amount | $113,901,000 |
| Average Mortgage Loan Application Amount | $89,404 |
| Highest Mortgage Loan Application Amount | $580,000 |
| Average Applicant Income | $94,124 |
| Highest Applicant Income | $1,040,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 Improvement | 604 | $37,141,000 | $61,000 | $403,000 | $96,000 | $1,040,000 |
| Refinancing | 505 | $51,700,000 | $102,000 | $465,000 | $88,000 | $457,000 |
| Home Purchase | 165 | $25,060,000 | $151,000 | $580,000 | $106,000 | $407,000 |
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 | 630 | $58,630,000 | $93,000 | $580,000 | $100,000 | $457,000 |
| Not Provided | 312 | $26,938,000 | $86,000 | $389,000 | $98,000 | $1,040,000 |
| Hispanic | 256 | $20,646,000 | $80,000 | $400,000 | $79,000 | $282,000 |
| Black or African American | 54 | $4,643,000 | $85,000 | $250,000 | $66,000 | $188,000 |
| Asian | 12 | $1,748,000 | $145,000 | $277,000 | $104,000 | $284,000 |
| American Indian or Alaskan Native | 5 | $704,000 | $140,000 | $270,000 | $91,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $462,000 | $154,000 | $182,000 | $101,000 | $111,000 |
| Not applicable | 2 | $130,000 | $65,000 | $80,000 | $93,000 | $135,000 |
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) | 1,232 | $107,735,000 | $87,000 | $580,000 | $95,000 | $1,040,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,337,000 | $156,000 | $280,000 | $77,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 7 | $685,000 | $97,000 | $189,000 | $65,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $144,000 | $144,000 | $144,000 | $48,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 448 | $31,327,000 | $69,000 | $580,000 | $78,000 | $1,040,000 |
| Loan Originated | 430 | $36,542,000 | $84,000 | $380,000 | $103,000 | $451,000 |
| Application Withdrawn By Applicant | 313 | $37,194,000 | $118,000 | $500,000 | $103,000 | $407,000 |
| File Closed For Incompleteness | 50 | $6,747,000 | $134,000 | $465,000 | $105,000 | $534,000 |
| Application Approved But Not Accepted | 33 | $2,091,000 | $63,000 | $291,000 | $94,000 | $288,000 |
| 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 | 162 | $11,656,000 | $71,000 | $328,000 | $61,000 | $210,000 |
| Collateral | 126 | $5,745,000 | $45,000 | $225,000 | $87,000 | $457,000 |
| Credit History | 112 | $9,309,000 | $83,000 | $580,000 | $86,000 | $1,040,000 |
| Employment History | 12 | $1,149,000 | $95,000 | $178,000 | $113,000 | $275,000 |
| Other | 8 | $708,000 | $88,000 | $150,000 | $126,000 | $400,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2015 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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