H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, H-E-B Federal Credit Union of San Antonio, TX reported 483 mortgage applications totaling $60.4 million, up 60% from 2024. The average application was for $125,082, and applicants reported an average income of $133,925. 45% of its applications resulted in an originated loan and 21% were denied. Its largest markets were San Antonio-New Braunfels, TX (156), Houston-The Woodlands-Sugar Land, TX (99) and Austin-Round Rock, TX (49) (applications in parentheses).
| Mortgage Company & Address | H-E-B Federal Credit Union 4630 N Loop 1604 W, Suite 101 San Antonio, TX 78278 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 | 483 |
| Total Mortgage Loan Application Amount | $60,415,000 |
| Average Mortgage Loan Application Amount | $125,082 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $133,925 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar, Texas | 130 | $ 12,960,000 | $ 99,692 | $ 140,000 |
| Harris, Texas | 54 | $ 5,180,000 | $ 95,925 | $ 109,000 |
| Hidalgo, Texas | 32 | $ 2,380,000 | $ 74,375 | $ 123,000 |
| Montgomery, Texas | 24 | $ 2,740,000 | $ 114,166 | $ 132,000 |
| Williamson, Texas | 23 | $ 2,775,000 | $ 120,652 | $ 144,000 |
| Nueces, Texas | 16 | $ 970,000 | $ 60,625 | $ 72,000 |
| Travis, Texas | 15 | $ 1,965,000 | $ 131,000 | $ 173,000 |
| Fort Bend, Texas | 12 | $ 1,450,000 | $ 120,833 | $ 144,000 |
| Dallas, Texas | 10 | $ 1,130,000 | $ 113,000 | $ 93,000 |
| Hays, Texas | 10 | $ 1,510,000 | $ 151,000 | $ 161,000 |
| Cameron, Texas | 9 | $ 435,000 | $ 48,333 | $ 65,000 |
| Collin, Texas | 8 | $ 1,410,000 | $ 176,250 | $ 154,000 |
| Webb, Texas | 8 | $ 540,000 | $ 67,500 | $ 95,000 |
| Bell, Texas | 7 | $ 1,685,000 | $ 240,714 | $ 110,000 |
| Comal, Texas | 5 | $ 465,000 | $ 93,000 | $ 284,000 |
| Ellis, Texas | 5 | $ 625,000 | $ 125,000 | $ 182,000 |
| Guadalupe, Texas | 5 | $ 385,000 | $ 77,000 | $ 119,000 |
| Jefferson, Texas | 5 | $ 535,000 | $ 107,000 | $ 130,000 |
| McLennan, Texas | 5 | $ 825,000 | $ 165,000 | $ 156,000 |
| Medina, Texas | 5 | $ 425,000 | $ 85,000 | $ 86,000 |
| Tarrant, Texas | 5 | $ 905,000 | $ 181,000 | $ 150,000 |
| Brazoria, Texas | 4 | $ 370,000 | $ 92,500 | $ 166,000 |
| Denton, Texas | 4 | $ 580,000 | $ 145,000 | $ 153,000 |
| Galveston, Texas | 4 | $ 430,000 | $ 107,500 | $ 154,000 |
| Kendall, Texas | 4 | $ 790,000 | $ 197,500 | $ 144,000 |
| Wilson, Texas | 4 | $ 250,000 | $ 62,500 | $ 83,000 |
| Atascosa, Texas | 3 | $ 325,000 | $ 108,333 | $ 104,000 |
| DeWitt, Texas | 3 | $ 415,000 | $ 138,333 | $ 125,000 |
| Starr, Texas | 3 | $ 255,000 | $ 85,000 | $ 125,000 |
| Washington, Texas | 3 | $ 385,000 | $ 128,333 | $ 121,000 |
| Brazos, Texas | 2 | $ 150,000 | $ 75,000 | $ 132,000 |
| Coryell, Texas | 2 | $ 40,000 | $ 20,000 | $ 122,000 |
| Howard, Texas | 2 | $ 180,000 | $ 90,000 | $ 113,000 |
| Johnson, Texas | 2 | $ 60,000 | $ 30,000 | $ 114,000 |
| Kaufman, Texas | 2 | $ 710,000 | $ 355,000 | $ 101,000 |
| Lubbock, Texas | 2 | $ 70,000 | $ 35,000 | $ 66,000 |
| Maverick, Texas | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Robertson, Texas | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Bastrop, Texas | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Bee, Texas | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Burnet, Texas | 1 | $ 255,000 | $ 255,000 | $ 224,000 |
| Ector, Texas | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Fayette, Texas | 1 | $ 315,000 | $ 315,000 | $ 193,000 |
| Gillespie, Texas | 1 | $ 75,000 | $ 75,000 | $ 153,000 |
| Gonzales, Texas | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Jackson, Texas | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Kerr, Texas | 1 | $ 865,000 | $ 865,000 | $ 296,000 |
| Kleberg, Texas | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Limestone, Texas | 1 | $ 95,000 | $ 95,000 | $ 194,000 |
| Matagorda, Texas | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Midland, Texas | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Navarro, Texas | 1 | $ 95,000 | $ 95,000 | $ 172,000 |
| Rockwall, Texas | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Taylor, Texas | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
| Tom Green, Texas | 1 | $ 65,000 | $ 65,000 | $ 228,000 |
| Waller, Texas | 1 | $ 795,000 | $ 795,000 | $ 479,000 |
| Willacy, Texas | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2025
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 | 247 | $19,475,000 | $78,000 | $1,205,000 | $114,000 | $1,200,000 |
| Home Improvement | 133 | $10,535,000 | $79,000 | $505,000 | $133,000 | $816,000 |
| Refinancing | 52 | $8,140,000 | $156,000 | $865,000 | $122,000 | $515,000 |
| Home Purchase | 51 | $22,265,000 | $436,000 | $1,205,000 | $245,000 | $1,133,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 251 | $24,695,000 | $98,000 | $865,000 | $107,000 | $816,000 |
| White | 153 | $25,235,000 | $164,000 | $1,205,000 | $168,000 | $1,133,000 |
| Not Provided | 40 | $6,230,000 | $155,000 | $955,000 | $156,000 | $1,200,000 |
| Black or African American | 22 | $2,290,000 | $104,000 | $1,205,000 | $152,000 | $735,000 |
| Asian | 14 | $1,860,000 | $132,000 | $345,000 | $154,000 | $352,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $105,000 | $35,000 | $45,000 | $134,000 | $175,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 483 | $60,415,000 | $125,000 | $1,205,000 | $134,000 | $1,200,000 |
| 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 | 219 | $31,455,000 | $143,000 | $955,000 | $147,000 | $1,133,000 |
| Application Withdrawn By Applicant | 115 | $11,785,000 | $102,000 | $1,205,000 | $138,000 | $1,200,000 |
| Application Denied By Financial Institution | 101 | $10,045,000 | $99,000 | $835,000 | $100,000 | $329,000 |
| File Closed For Incompleteness | 47 | $6,815,000 | $145,000 | $725,000 | $136,000 | $417,000 |
| Preapproval Denied by Financial Institution | 1 | $315,000 | $315,000 | $315,000 | $219,000 | $219,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 381 | $50,055,000 | $131,000 | $1,205,000 | $143,000 | $1,200,000 |
| Credit History | 39 | $2,285,000 | $58,000 | $205,000 | $88,000 | $187,000 |
| Debt-To-Income Ratio | 38 | $5,550,000 | $146,000 | $835,000 | $103,000 | $286,000 |
| Other | 16 | $1,900,000 | $118,000 | $505,000 | $131,000 | $329,000 |
| Collateral | 9 | $625,000 | $69,000 | $265,000 | $97,000 | $144,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 H-E-B Federal Credit Union's 2025 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 H-E-B 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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