A+ Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, A+ Federal Credit Union of Austin, TX reported 1,821 mortgage applications totaling $272.8 million, down 14% from 2023. The average application was for $149,810, and applicants reported an average income of $130,739. 35% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Austin-Round Rock, TX (1,114), Killeen-Temple, TX (134) and Houston-The Woodlands-Sugar Land, TX (68) (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 | 1,821 |
| Total Mortgage Loan Application Amount | $272,805,000 |
| Average Mortgage Loan Application Amount | $149,810 |
| Highest Mortgage Loan Application Amount | $4,055,000 |
| Average Applicant Income | $130,739 |
| Highest Applicant Income | $5,100,000 |
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(HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,016 | $94,370,000 | $92,000 | $545,000 | $128,000 | $5,100,000 |
| Home Purchase | 395 | $97,105,000 | $245,000 | $4,055,000 | $140,000 | $844,000 |
| Home Improvement | 196 | $20,350,000 | $103,000 | $325,000 | $138,000 | $2,366,000 |
| Cash-out Refinancing | 143 | $41,625,000 | $291,000 | $1,965,000 | $120,000 | $360,000 |
| Refinancing | 71 | $19,355,000 | $272,000 | $2,405,000 | $120,000 | $360,000 |
| 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 | 683 | $92,435,000 | $135,000 | $775,000 | $136,000 | $2,366,000 |
| Hispanic | 382 | $47,560,000 | $124,000 | $675,000 | $112,000 | $1,620,000 |
| Not Provided | 301 | $45,205,000 | $150,000 | $1,165,000 | $121,000 | $386,000 |
| Not applicable | 262 | $57,950,000 | $221,000 | $4,055,000 | $0 | $0 |
| Black or African American | 121 | $16,855,000 | $139,000 | $725,000 | $115,000 | $465,000 |
| Asian | 51 | $9,975,000 | $195,000 | $885,000 | $147,000 | $385,000 |
| American Indian or Alaskan Native | 16 | $2,430,000 | $151,000 | $545,000 | $515,000 | $5,100,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $395,000 | $79,000 | $205,000 | $91,000 | $146,000 |
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) | 1,798 | $263,460,000 | $146,000 | $4,055,000 | $129,000 | $5,100,000 |
| FHA-insured (Federal Housing Administration) | 23 | $9,345,000 | $406,000 | $885,000 | $169,000 | $465,000 |
| 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 | 638 | $84,210,000 | $131,000 | $2,405,000 | $134,000 | $2,366,000 |
| Application Denied By Financial Institution | 512 | $57,540,000 | $112,000 | $1,965,000 | $119,000 | $5,100,000 |
| Loan Purchased By The Institution | 232 | $37,140,000 | $160,000 | $755,000 | $0 | $0 |
| Application Withdrawn By Applicant | 177 | $34,735,000 | $196,000 | $4,055,000 | $138,000 | $1,620,000 |
| Application Approved But Not Accepted | 104 | $13,420,000 | $129,000 | $605,000 | $118,000 | $427,000 |
| Preapproval Approved but not Accepted | 86 | $29,760,000 | $346,000 | $885,000 | $132,000 | $415,000 |
| File Closed For Incompleteness | 65 | $14,295,000 | $219,000 | $785,000 | $164,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 7 | $1,705,000 | $243,000 | $475,000 | $93,000 | $124,000 |
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 | 1,302 | $213,560,000 | $164,000 | $4,055,000 | $135,000 | $2,366,000 |
| Debt-To-Income Ratio | 165 | $25,835,000 | $156,000 | $1,965,000 | $73,000 | $293,000 |
| Credit History | 142 | $11,310,000 | $79,000 | $725,000 | $101,000 | $465,000 |
| Other | 100 | $10,860,000 | $108,000 | $355,000 | $214,000 | $5,100,000 |
| Collateral | 100 | $9,620,000 | $96,000 | $535,000 | $124,000 | $385,000 |
| Unverifiable Information | 5 | $905,000 | $181,000 | $465,000 | $50,000 | $116,000 |
| Employment History | 3 | $205,000 | $68,000 | $75,000 | $96,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $495,000 | $165,000 | $255,000 | $61,000 | $85,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $360,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2024 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About