H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, H-E-B Federal Credit Union of San Antonio, TX reported 387 mortgage applications totaling $32.0 million, up 2% from 2011. The average application was for $82,640, and applicants reported an average income of $87,591. 62% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Antonio-New Braunfels, TX (152), McAllen-Edinburg-Mission, TX (57) and Houston-Sugar Land-Baytown, TX (31) (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 | 387 |
| Total Mortgage Loan Application Amount | $31,982,000 |
| Average Mortgage Loan Application Amount | $82,640 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $87,591 |
| Highest Applicant Income | $601,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 124 | $ 9,560,000 | $ 77,096 | $ 83,000 |
| Hidalgo, Texas | 57 | $ 3,800,000 | $ 66,666 | $ 84,000 |
| Cameron, Texas | 23 | $ 1,480,000 | $ 64,347 | $ 76,000 |
| Harris, Texas | 21 | $ 2,089,000 | $ 99,476 | $ 93,000 |
| Nueces, Texas | 21 | $ 1,240,000 | $ 59,047 | $ 72,000 |
| Wilson, Texas | 9 | $ 740,000 | $ 82,222 | $ 91,000 |
| Travis, Texas | 8 | $ 781,000 | $ 97,625 | $ 97,000 |
| Webb, Texas | 8 | $ 388,000 | $ 48,500 | $ 64,000 |
| Atascosa, Texas | 5 | $ 641,000 | $ 128,200 | $ 114,000 |
| Comal, Texas | 5 | $ 864,000 | $ 172,800 | $ 137,000 |
| Galveston, Texas | 5 | $ 528,000 | $ 105,600 | $ 130,000 |
| Medina, Texas | 5 | $ 269,000 | $ 53,800 | $ 60,000 |
| Jim Wells, Texas | 4 | $ 180,000 | $ 45,000 | $ 77,000 |
| Kleberg, Texas | 4 | $ 235,000 | $ 58,750 | $ 59,000 |
| San Patricio, Texas | 4 | $ 299,000 | $ 74,750 | $ 109,000 |
| Williamson, Texas | 4 | $ 220,000 | $ 55,000 | $ 95,000 |
| McLennan, Texas | 3 | $ 401,000 | $ 133,666 | $ 102,000 |
| Aransas, Texas | 2 | $ 35,000 | $ 17,500 | $ 86,000 |
| Bell, Texas | 2 | $ 138,000 | $ 69,000 | $ 56,000 |
| Coryell, Texas | 2 | $ 89,000 | $ 44,500 | $ 67,000 |
| Dallas, Texas | 2 | $ 273,000 | $ 136,500 | $ 96,000 |
| Guadalupe, Texas | 2 | $ 160,000 | $ 80,000 | $ 85,000 |
| Hays, Texas | 2 | $ 140,000 | $ 70,000 | $ 120,000 |
| Kendall, Texas | 2 | $ 319,000 | $ 159,500 | $ 220,000 |
| Maverick, Texas | 2 | $ 136,000 | $ 68,000 | $ 70,000 |
| Montgomery, Texas | 2 | $ 233,000 | $ 116,500 | $ 85,000 |
| Navarro, Texas | 2 | $ 87,000 | $ 43,500 | $ 92,000 |
| Starr, Texas | 2 | $ 32,000 | $ 16,000 | $ 29,000 |
| Val Verde, Texas | 2 | $ 74,000 | $ 37,000 | $ 42,000 |
| Victoria, Texas | 2 | $ 196,000 | $ 98,000 | $ 119,000 |
| Angelina, Texas | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Bandera, Texas | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Blanco, Texas | 1 | $ 34,000 | $ 34,000 | $ 36,000 |
| Brazos, Texas | 1 | $ 43,000 | $ 43,000 | $ 145,000 |
| Caldwell, Texas | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Chambers, Texas | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Dimmit, Texas | 1 | $ 28,000 | $ 28,000 | $ 74,000 |
| Ellis, Texas | 1 | $ 339,000 | $ 339,000 | $ 167,000 |
| Fort Bend, Texas | 1 | $ 26,000 | $ 26,000 | $ 62,000 |
| Johnson, Texas | 1 | $ 89,000 | $ 89,000 | $ 73,000 |
| Tarrant, Texas | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Taylor, Texas | 1 | $ 99,000 | $ 99,000 | $ 45,000 |
| Tom Green, Texas | 1 | $ 15,000 | $ 15,000 | $ 174,000 |
| Uvalde, Texas | 1 | $ 145,000 | $ 145,000 | $ 169,000 |
| Waller, Texas | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Washington, Texas | 1 | $ 106,000 | $ 106,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2012
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 | 269 | $22,323,000 | $82,000 | $870,000 | $86,000 | $580,000 |
| Home Improvement | 76 | $3,066,000 | $40,000 | $100,000 | $72,000 | $183,000 |
| Home Purchase | 42 | $6,593,000 | $156,000 | $1,120,000 | $126,000 | $601,000 |
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 | 256 | $16,191,000 | $63,000 | $330,000 | $71,000 | $491,000 |
| White | 100 | $9,416,000 | $94,000 | $400,000 | $108,000 | $264,000 |
| Not Provided | 12 | $2,221,000 | $185,000 | $541,000 | $153,000 | $394,000 |
| Asian | 10 | $1,597,000 | $159,000 | $1,120,000 | $92,000 | $291,000 |
| Black or African American | 8 | $2,480,000 | $310,000 | $870,000 | $263,000 | $601,000 |
| American Indian or Alaskan Native | 1 | $77,000 | $77,000 | $77,000 | $68,000 | $68,000 |
| 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) | 387 | $31,982,000 | $82,000 | $1,120,000 | $87,000 | $601,000 |
| 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 | 241 | $18,217,000 | $75,000 | $870,000 | $91,000 | $580,000 |
| Application Withdrawn By Applicant | 69 | $6,118,000 | $88,000 | $400,000 | $82,000 | $199,000 |
| File Closed For Incompleteness | 40 | $4,788,000 | $119,000 | $1,120,000 | $92,000 | $601,000 |
| Application Denied By Financial Institution | 36 | $2,849,000 | $79,000 | $405,000 | $68,000 | $188,000 |
| Application Approved But Not Accepted | 1 | $10,000 | $10,000 | $10,000 | $19,000 | $19,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 18 | $1,542,000 | $85,000 | $405,000 | $71,000 | $164,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H-E-B Federal Credit Union's 2012 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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