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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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