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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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