H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2006
In 2006, H-E-B Federal Credit Union of San Antonio, TX reported 373 mortgage applications totaling $20.3 million, up 36% from 2005. The average application was for $54,386, and applicants reported an average income of $68,747. 51% of its applications resulted in an originated loan and 21% were denied. Its largest markets were San Antonio, TX (144), Corpus Christi, TX (43) and Austin-Round Rock, TX (33) (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 | 373 |
| Total Mortgage Loan Application Amount | $20,286,000 |
| Average Mortgage Loan Application Amount | $54,386 |
| Highest Mortgage Loan Application Amount | $370,000 |
| Average Applicant Income | $68,747 |
| Highest Applicant Income | $876,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 125 | $ 6,409,000 | $ 51,272 | $ 69,000 |
| Nueces, Texas | 35 | $ 1,673,000 | $ 47,800 | $ 55,000 |
| Hidalgo, Texas | 33 | $ 1,391,000 | $ 42,151 | $ 49,000 |
| Harris, Texas | 17 | $ 1,268,000 | $ 74,588 | $ 80,000 |
| Travis, Texas | 13 | $ 649,000 | $ 49,923 | $ 72,000 |
| Cameron, Texas | 11 | $ 596,000 | $ 54,181 | $ 71,000 |
| Williamson, Texas | 11 | $ 629,000 | $ 57,181 | $ 153,000 |
| Webb, Texas | 9 | $ 416,000 | $ 46,222 | $ 67,000 |
| Wharton, Texas | 5 | $ 231,000 | $ 46,200 | $ 40,000 |
| Aransas, Texas | 4 | $ 307,000 | $ 76,750 | $ 65,000 |
| Atascosa, Texas | 4 | $ 254,000 | $ 63,500 | $ 62,000 |
| Bastrop, Texas | 4 | $ 166,000 | $ 41,500 | $ 75,000 |
| Comal, Texas | 4 | $ 148,000 | $ 37,000 | $ 94,000 |
| Fort Bend, Texas | 4 | $ 216,000 | $ 54,000 | $ 103,000 |
| Hays, Texas | 4 | $ 622,000 | $ 155,500 | $ 51,000 |
| McLennan, Texas | 4 | $ 155,000 | $ 38,750 | $ 73,000 |
| San Patricio, Texas | 4 | $ 184,000 | $ 46,000 | $ 79,000 |
| Dallas, Texas | 3 | $ 109,000 | $ 36,333 | $ 51,000 |
| Guadalupe, Texas | 3 | $ 125,000 | $ 41,666 | $ 53,000 |
| Kendall, Texas | 3 | $ 236,000 | $ 78,666 | $ 83,000 |
| Uvalde, Texas | 3 | $ 134,000 | $ 44,666 | $ 80,000 |
| Wilson, Texas | 3 | $ 152,000 | $ 50,666 | $ 84,000 |
| Bandera, Texas | 2 | $ 68,000 | $ 34,000 | $ 67,000 |
| Brazoria, Texas | 2 | $ 45,000 | $ 22,500 | $ 72,000 |
| Burnet, Texas | 2 | $ 65,000 | $ 32,500 | $ 77,000 |
| Dimmit, Texas | 2 | $ 38,000 | $ 19,000 | $ 32,000 |
| Jefferson, Texas | 2 | $ 28,000 | $ 14,000 | $ 25,000 |
| Johnson, Texas | 2 | $ 68,000 | $ 34,000 | $ 42,000 |
| Kerr, Texas | 2 | $ 69,000 | $ 34,500 | $ 55,000 |
| Montgomery, Texas | 2 | $ 141,000 | $ 70,500 | $ 100,000 |
| Starr, Texas | 2 | $ 107,000 | $ 53,500 | $ 51,000 |
| Willacy, Texas | 2 | $ 92,000 | $ 46,000 | $ 44,000 |
| Bee, Texas | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| Brazos, Texas | 1 | $ 78,000 | $ 78,000 | $ 66,000 |
| Caldwell, Texas | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Coryell, Texas | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| DeWitt, Texas | 1 | $ 53,000 | $ 53,000 | $ 57,000 |
| Ector, Texas | 1 | $ 37,000 | $ 37,000 | $ 51,000 |
| Frio, Texas | 1 | $ 10,000 | $ 10,000 | $ 141,000 |
| Galveston, Texas | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Gonzales, Texas | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Jim Wells, Texas | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Limestone, Texas | 1 | $ 43,000 | $ 43,000 | $ 47,000 |
| Llano, Texas | 1 | $ 15,000 | $ 15,000 | $ 15,000 |
| Matagorda, Texas | 1 | $ 86,000 | $ 86,000 | $ 32,000 |
| Maverick, Texas | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Parker, Texas | 1 | $ 84,000 | $ 84,000 | $ 106,000 |
| San Jacinto, Texas | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Tarrant, Texas | 1 | $ 42,000 | $ 42,000 | $ 101,000 |
| Taylor, Texas | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Tom Green, Texas | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Victoria, Texas | 1 | $ 29,000 | $ 29,000 | $ 56,000 |
| Winkler, Texas | 1 | $ 8,000 | $ 8,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2006
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 | 201 | $11,646,000 | $57,000 | $200,000 | $65,000 | $196,000 |
| Home Improvement | 126 | $3,539,000 | $28,000 | $250,000 | $75,000 | $876,000 |
| Home Purchase | 46 | $5,101,000 | $110,000 | $370,000 | $68,000 | $179,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 188 | $9,301,000 | $49,000 | $300,000 | $65,000 | $876,000 |
| Hispanic | 93 | $5,053,000 | $54,000 | $260,000 | $60,000 | $164,000 |
| White | 85 | $5,448,000 | $64,000 | $370,000 | $83,000 | $192,000 |
| Asian | 3 | $339,000 | $113,000 | $250,000 | $99,000 | $168,000 |
| Black or African American | 3 | $95,000 | $31,000 | $52,000 | $143,000 | $213,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $70,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 372 | $20,191,000 | $54,000 | $370,000 | $69,000 | $876,000 |
| VA-guaranteed (Veterans Administration) | 1 | $95,000 | $95,000 | $95,000 | $102,000 | $102,000 |
| 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 | 191 | $10,412,000 | $54,000 | $370,000 | $71,000 | $213,000 |
| Application Denied By Financial Institution | 80 | $3,298,000 | $41,000 | $250,000 | $50,000 | $179,000 |
| Application Withdrawn By Applicant | 70 | $4,212,000 | $60,000 | $250,000 | $74,000 | $196,000 |
| File Closed For Incompleteness | 15 | $763,000 | $50,000 | $143,000 | $117,000 | $876,000 |
| Application Approved But Not Accepted | 10 | $935,000 | $93,000 | $300,000 | $86,000 | $168,000 |
| Preapproval Denied by Financial Institution | 7 | $666,000 | $95,000 | $165,000 | $45,000 | $74,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Credit History | 73 | $3,046,000 | $41,000 | $250,000 | $50,000 | $179,000 |
| Debt-To-Income Ratio | 9 | $599,000 | $66,000 | $200,000 | $32,000 | $66,000 |
| Other | 2 | $220,000 | $110,000 | $120,000 | $73,000 | $120,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2006 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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