H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, H-E-B Federal Credit Union of San Antonio, TX reported 373 mortgage applications totaling $31.2 million, down 4% from 2012. The average application was for $83,721, and applicants reported an average income of $92,943. 60% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Antonio-New Braunfels, TX (152), McAllen-Edinburg-Mission, TX (42) and Houston-Sugar Land-Baytown, TX (34) (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 | $31,228,000 |
| Average Mortgage Loan Application Amount | $83,721 |
| Highest Mortgage Loan Application Amount | $1,460,000 |
| Average Applicant Income | $92,943 |
| Highest Applicant Income | $1,309,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 121 | $ 7,626,000 | $ 63,024 | $ 72,000 |
| Hidalgo, Texas | 42 | $ 3,294,000 | $ 78,428 | $ 135,000 |
| Harris, Texas | 25 | $ 4,149,000 | $ 165,960 | $ 124,000 |
| Nueces, Texas | 24 | $ 1,920,000 | $ 80,000 | $ 84,000 |
| Cameron, Texas | 14 | $ 992,000 | $ 70,857 | $ 80,000 |
| Travis, Texas | 11 | $ 1,058,000 | $ 96,181 | $ 115,000 |
| Guadalupe, Texas | 8 | $ 613,000 | $ 76,625 | $ 74,000 |
| Williamson, Texas | 8 | $ 595,000 | $ 74,375 | $ 92,000 |
| Atascosa, Texas | 7 | $ 316,000 | $ 45,142 | $ 69,000 |
| McLennan, Texas | 7 | $ 803,000 | $ 114,714 | $ 104,000 |
| Medina, Texas | 6 | $ 787,000 | $ 131,166 | $ 108,000 |
| Victoria, Texas | 5 | $ 339,000 | $ 67,800 | $ 87,000 |
| Webb, Texas | 5 | $ 284,000 | $ 56,800 | $ 74,000 |
| Comal, Texas | 4 | $ 379,000 | $ 94,750 | $ 118,000 |
| Dallas, Texas | 4 | $ 191,000 | $ 47,750 | $ 97,000 |
| Fort Bend, Texas | 4 | $ 198,000 | $ 49,500 | $ 150,000 |
| Val Verde, Texas | 4 | $ 166,000 | $ 41,500 | $ 56,000 |
| Bee, Texas | 3 | $ 116,000 | $ 38,666 | $ 71,000 |
| Coryell, Texas | 3 | $ 159,000 | $ 53,000 | $ 40,000 |
| Wilson, Texas | 3 | $ 487,000 | $ 162,333 | $ 273,000 |
| Ellis, Texas | 2 | $ 71,000 | $ 35,500 | $ 45,000 |
| Erath, Texas | 2 | $ 81,000 | $ 40,500 | $ 89,000 |
| Galveston, Texas | 2 | $ 231,000 | $ 115,500 | $ 179,000 |
| Hardin, Texas | 2 | $ 201,000 | $ 100,500 | $ 116,000 |
| Kendall, Texas | 2 | $ 17,000 | $ 8,500 | $ 59,000 |
| Kleberg, Texas | 2 | $ 71,000 | $ 35,500 | $ 127,000 |
| Matagorda, Texas | 2 | $ 200,000 | $ 100,000 | $ 92,000 |
| Starr, Texas | 2 | $ 67,000 | $ 33,500 | $ 59,000 |
| Tarrant, Texas | 2 | $ 119,000 | $ 59,500 | $ 58,000 |
| Wharton, Texas | 2 | $ 101,000 | $ 50,500 | $ 98,000 |
| Austin, Texas | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| Bandera, Texas | 1 | $ 40,000 | $ 40,000 | $ 125,000 |
| Brazoria, Texas | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Burnet, Texas | 1 | $ 240,000 | $ 240,000 | $ 158,000 |
| Colorado, Texas | 1 | $ 72,000 | $ 72,000 | $ 110,000 |
| Gillespie, Texas | 1 | $ 93,000 | $ 93,000 | $ 73,000 |
| Gonzales, Texas | 1 | $ 26,000 | $ 26,000 | $ 30,000 |
| Hood, Texas | 1 | $ 548,000 | $ 548,000 | $ 258,000 |
| Jefferson, Texas | 1 | $ 37,000 | $ 37,000 | $ 59,000 |
| Jim Wells, Texas | 1 | $ 118,000 | $ 118,000 | $ 168,000 |
| Maverick, Texas | 1 | $ 80,000 | $ 80,000 | $ 55,000 |
| Montgomery, Texas | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| San Patricio, Texas | 1 | $ 165,000 | $ 165,000 | $ 177,000 |
| Somervell, Texas | 1 | $ 202,000 | $ 202,000 | $ 228,000 |
| Uvalde, Texas | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2013
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 | 235 | $19,900,000 | $84,000 | $1,460,000 | $93,000 | $755,000 |
| Home Improvement | 93 | $4,164,000 | $44,000 | $170,000 | $86,000 | $1,309,000 |
| Home Purchase | 45 | $7,164,000 | $159,000 | $840,000 | $107,000 | $472,000 |
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 | 250 | $16,891,000 | $67,000 | $402,000 | $83,000 | $1,309,000 |
| White | 93 | $11,267,000 | $121,000 | $1,460,000 | $121,000 | $755,000 |
| Not Provided | 14 | $1,389,000 | $99,000 | $250,000 | $92,000 | $160,000 |
| Black or African American | 8 | $417,000 | $52,000 | $87,000 | $78,000 | $265,000 |
| Asian | 6 | $1,172,000 | $195,000 | $840,000 | $120,000 | $346,000 |
| American Indian or Alaskan Native | 2 | $92,000 | $46,000 | $66,000 | $31,000 | $32,000 |
| 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) | 373 | $31,228,000 | $83,000 | $1,460,000 | $93,000 | $1,309,000 |
| 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 | 225 | $19,882,000 | $88,000 | $1,460,000 | $99,000 | $755,000 |
| Application Denied By Financial Institution | 67 | $4,880,000 | $72,000 | $300,000 | $56,000 | $168,000 |
| Application Withdrawn By Applicant | 56 | $4,116,000 | $73,000 | $319,000 | $118,000 | $1,309,000 |
| File Closed For Incompleteness | 25 | $2,350,000 | $94,000 | $402,000 | $79,000 | $201,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,260,000 | $96,000 | $250,000 | $70,000 | $150,000 |
| 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 2013 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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