H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2004
In 2004, H-E-B Federal Credit Union of San Antonio, TX reported 137 mortgage applications totaling $7.2 million, down 54% from 2003. The average application was for $52,291, and applicants reported an average income of $74,124. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Antonio, TX (64), Corpus Christi, TX (18) and McAllen-Edinburg-Pharr, TX (13) (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 | 137 |
| Total Mortgage Loan Application Amount | $7,164,000 |
| Average Mortgage Loan Application Amount | $52,291 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $74,124 |
| Highest Applicant Income | $500,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 52 | $ 2,318,000 | $ 44,576 | $ 54,000 |
| Nueces, Texas | 17 | $ 800,000 | $ 47,058 | $ 51,000 |
| Hidalgo, Texas | 13 | $ 648,000 | $ 49,846 | $ 81,000 |
| Harris, Texas | 6 | $ 470,000 | $ 78,333 | $ 84,000 |
| Comal, Texas | 4 | $ 215,000 | $ 53,750 | $ 99,000 |
| Travis, Texas | 4 | $ 225,000 | $ 56,250 | $ 83,000 |
| Webb, Texas | 4 | $ 170,000 | $ 42,500 | $ 60,000 |
| Bastrop, Texas | 3 | $ 117,000 | $ 39,000 | $ 48,000 |
| Cameron, Texas | 3 | $ 133,000 | $ 44,333 | $ 52,000 |
| Guadalupe, Texas | 2 | $ 108,000 | $ 54,000 | $ 47,000 |
| Kendall, Texas | 2 | $ 151,000 | $ 75,500 | $ 83,000 |
| Victoria, Texas | 2 | $ 43,000 | $ 21,500 | $ 54,000 |
| Williamson, Texas | 2 | $ 100,000 | $ 50,000 | $ 102,000 |
| Atascosa, Texas | 1 | $ 30,000 | $ 30,000 | $ 91,000 |
| Bandera, Texas | 1 | $ 62,000 | $ 62,000 | $ 69,000 |
| Bell, Texas | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Coryell, Texas | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| Dallas, Texas | 1 | $ 123,000 | $ 123,000 | $ 163,000 |
| DeWitt, Texas | 1 | $ 53,000 | $ 53,000 | $ 55,000 |
| Freestone, Texas | 1 | $ 70,000 | $ 70,000 | $ 170,000 |
| Galveston, Texas | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Goliad, Texas | 1 | $ 31,000 | $ 31,000 | $ 85,000 |
| Hays, Texas | 1 | $ 148,000 | $ 148,000 | $ 87,000 |
| Hood, Texas | 1 | $ 400,000 | $ 400,000 | $ 500,000 |
| Kerr, Texas | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Kleberg, Texas | 1 | $ 40,000 | $ 40,000 | $ 135,000 |
| Maverick, Texas | 1 | $ 22,000 | $ 22,000 | $ 39,000 |
| Medina, Texas | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Milam, Texas | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| San Patricio, Texas | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Wharton, Texas | 1 | $ 17,000 | $ 17,000 | $ 51,000 |
| Wilson, Texas | 1 | $ 23,000 | $ 23,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 110 | $5,361,000 | $48,000 | $148,000 | $67,000 | $191,000 |
| Home Purchase | 19 | $1,541,000 | $82,500 | $400,000 | $108,000 | $500,000 |
| Home Improvement | 8 | $262,000 | $32,000 | $80,000 | $90,000 | $147,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 58 | $2,755,000 | $44,000 | $148,000 | $28,000 | $191,000 |
| White | 47 | $2,964,000 | $63,000 | $400,000 | $107,000 | $500,000 |
| Not Provided | 29 | $1,364,000 | $74,500 | $196,000 | $116,000 | $300,000 |
| Asian | 2 | $61,000 | $30,000 | $38,000 | $23,000 | $25,000 |
| Black or African American | 1 | $20,000 | $20,000 | $20,000 | $76,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 136 | $7,122,000 | $68,000 | $400,000 | $93,000 | $500,000 |
| VA-guaranteed (Veterans Administration) | 1 | $42,000 | $42,000 | $42,000 | $54,000 | $54,000 |
| 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 |
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 | 124 | $6,461,000 | $46,500 | $400,000 | $41,000 | $500,000 |
| Application Approved But Not Accepted | 8 | $380,000 | $34,500 | $120,000 | $37,000 | $111,000 |
| Application Withdrawn By Applicant | 3 | $268,000 | $116,000 | $196,000 | $182,500 | $300,000 |
| Application Denied By Financial Institution | 2 | $55,000 | $27,000 | $40,000 | $82,000 | $136,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $15,000 | $15,000 | $15,000 | $136,000 | $136,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H-E-B Federal Credit Union's 2004 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.
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