H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, H-E-B Federal Credit Union of San Antonio, TX reported 316 mortgage applications totaling $25.7 million, down 15% from 2013. The average application was for $81,474, and applicants reported an average income of $92,018. 59% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Antonio-New Braunfels, TX (100), McAllen-Edinburg-Mission, TX (36) and Houston-The Woodlands-Sugar Land, TX (29) (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 | 316 |
| Total Mortgage Loan Application Amount | $25,746,000 |
| Average Mortgage Loan Application Amount | $81,474 |
| Highest Mortgage Loan Application Amount | $723,000 |
| Average Applicant Income | $92,018 |
| Highest Applicant Income | $960,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 81 | $ 5,659,000 | $ 69,864 | $ 75,000 |
| Hidalgo, Texas | 36 | $ 3,347,000 | $ 92,972 | $ 96,000 |
| Nueces, Texas | 25 | $ 1,213,000 | $ 48,520 | $ 89,000 |
| Harris, Texas | 16 | $ 1,402,000 | $ 87,625 | $ 90,000 |
| Cameron, Texas | 15 | $ 919,000 | $ 61,266 | $ 91,000 |
| Travis, Texas | 9 | $ 1,083,000 | $ 120,333 | $ 66,000 |
| Comal, Texas | 8 | $ 588,000 | $ 73,500 | $ 146,000 |
| Webb, Texas | 8 | $ 512,000 | $ 64,000 | $ 54,000 |
| Fort Bend, Texas | 7 | $ 748,000 | $ 106,857 | $ 129,000 |
| Williamson, Texas | 7 | $ 822,000 | $ 117,428 | $ 134,000 |
| Tom Green, Texas | 5 | $ 251,000 | $ 50,200 | $ 39,000 |
| Coryell, Texas | 4 | $ 214,000 | $ 53,500 | $ 71,000 |
| Medina, Texas | 4 | $ 295,000 | $ 73,750 | $ 64,000 |
| Midland, Texas | 4 | $ 141,000 | $ 35,250 | $ 109,000 |
| Montgomery, Texas | 4 | $ 696,000 | $ 174,000 | $ 199,000 |
| Bell, Texas | 3 | $ 166,000 | $ 55,333 | $ 86,000 |
| Brazos, Texas | 3 | $ 240,000 | $ 80,000 | $ 148,000 |
| Denton, Texas | 3 | $ 358,000 | $ 119,333 | $ 185,000 |
| Frio, Texas | 3 | $ 76,000 | $ 25,333 | $ 28,000 |
| Maverick, Texas | 3 | $ 169,000 | $ 56,333 | $ 43,000 |
| San Patricio, Texas | 3 | $ 175,000 | $ 58,333 | $ 374,000 |
| Wilson, Texas | 3 | $ 197,000 | $ 65,666 | $ 72,000 |
| Angelina, Texas | 2 | $ 285,000 | $ 142,500 | $ 111,000 |
| Galveston, Texas | 2 | $ 255,000 | $ 127,500 | $ 140,000 |
| Hays, Texas | 2 | $ 197,000 | $ 98,500 | $ 140,000 |
| Kleberg, Texas | 2 | $ 108,000 | $ 54,000 | $ 61,000 |
| McLennan, Texas | 2 | $ 79,000 | $ 39,500 | $ 50,000 |
| Tarrant, Texas | 2 | $ 144,000 | $ 72,000 | $ 58,000 |
| Val Verde, Texas | 2 | $ 111,000 | $ 55,500 | $ 44,000 |
| Victoria, Texas | 2 | $ 92,000 | $ 46,000 | $ 45,000 |
| Wharton, Texas | 2 | $ 127,000 | $ 63,500 | $ 50,000 |
| Otero, New Mexico | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Atascosa, Texas | 1 | $ 127,000 | $ 127,000 | $ 105,000 |
| Bandera, Texas | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Bastrop, Texas | 1 | $ 38,000 | $ 38,000 | $ 108,000 |
| Bee, Texas | 1 | $ 29,000 | $ 29,000 | $ 50,000 |
| Burnet, Texas | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Caldwell, Texas | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Calhoun, Texas | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Dallas, Texas | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Dimmit, Texas | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Ector, Texas | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Guadalupe, Texas | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Kendall, Texas | 1 | $ 63,000 | $ 63,000 | $ 106,000 |
| Kerr, Texas | 1 | $ 48,000 | $ 48,000 | $ 31,000 |
| McCulloch, Texas | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Polk, Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Robertson, Texas | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Starr, Texas | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Taylor, Texas | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2014
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 | 193 | $14,510,000 | $75,000 | $723,000 | $89,000 | $960,000 |
| Home Improvement | 74 | $3,639,000 | $49,000 | $400,000 | $86,000 | $271,000 |
| Home Purchase | 49 | $7,597,000 | $155,000 | $605,000 | $113,000 | $288,000 |
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 | 209 | $15,391,000 | $73,000 | $723,000 | $82,000 | $960,000 |
| White | 79 | $6,911,000 | $87,000 | $605,000 | $106,000 | $288,000 |
| Black or African American | 10 | $774,000 | $77,000 | $180,000 | $73,000 | $236,000 |
| Not Provided | 10 | $1,574,000 | $157,000 | $400,000 | $163,000 | $224,000 |
| Asian | 7 | $946,000 | $135,000 | $320,000 | $168,000 | $253,000 |
| American Indian or Alaskan Native | 1 | $150,000 | $150,000 | $150,000 | $123,000 | $123,000 |
| 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) | 316 | $25,746,000 | $81,000 | $723,000 | $92,000 | $960,000 |
| 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 | 188 | $15,117,000 | $80,000 | $723,000 | $94,000 | $321,000 |
| Application Withdrawn By Applicant | 52 | $3,720,000 | $71,000 | $304,000 | $94,000 | $960,000 |
| Application Denied By Financial Institution | 49 | $3,485,000 | $71,000 | $290,000 | $70,000 | $363,000 |
| File Closed For Incompleteness | 26 | $3,359,000 | $129,000 | $605,000 | $115,000 | $644,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $67,000 | $67,000 |
| 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 | 23 | $1,635,000 | $71,000 | $200,000 | $67,000 | $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 2014 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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