H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, H-E-B Federal Credit Union of San Antonio, TX reported 271 mortgage applications totaling $22.8 million, down 11% from 2015. The average application was for $84,173, and applicants reported an average income of $103,346. 68% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Antonio-New Braunfels, TX (91), McAllen-Edinburg-Mission, TX (45) and Houston-The Woodlands-Sugar Land, TX (24) (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 | 271 |
| Total Mortgage Loan Application Amount | $22,811,000 |
| Average Mortgage Loan Application Amount | $84,173 |
| Highest Mortgage Loan Application Amount | $734,000 |
| Average Applicant Income | $103,346 |
| Highest Applicant Income | $784,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 75 | $ 5,540,000 | $ 73,866 | $ 87,000 |
| Hidalgo, Texas | 47 | $ 3,175,000 | $ 67,553 | $ 84,000 |
| Harris, Texas | 18 | $ 3,163,000 | $ 175,722 | $ 163,000 |
| Cameron, Texas | 13 | $ 669,000 | $ 51,461 | $ 83,000 |
| Nueces, Texas | 10 | $ 635,000 | $ 63,500 | $ 113,000 |
| Williamson, Texas | 9 | $ 1,072,000 | $ 119,111 | $ 130,000 |
| Travis, Texas | 7 | $ 748,000 | $ 106,857 | $ 199,000 |
| Medina, Texas | 4 | $ 309,000 | $ 77,250 | $ 86,000 |
| San Patricio, Texas | 4 | $ 148,000 | $ 37,000 | $ 68,000 |
| Tarrant, Texas | 4 | $ 266,000 | $ 66,500 | $ 119,000 |
| Webb, Texas | 4 | $ 154,000 | $ 38,500 | $ 77,000 |
| Atascosa, Texas | 3 | $ 243,000 | $ 81,000 | $ 71,000 |
| Fort Bend, Texas | 3 | $ 142,000 | $ 47,333 | $ 176,000 |
| Guadalupe, Texas | 3 | $ 138,000 | $ 46,000 | $ 91,000 |
| Wilson, Texas | 3 | $ 365,000 | $ 121,666 | $ 68,000 |
| Bee, Texas | 2 | $ 175,000 | $ 87,500 | $ 98,000 |
| Bell, Texas | 2 | $ 245,000 | $ 122,500 | $ 146,000 |
| Comal, Texas | 2 | $ 171,000 | $ 85,500 | $ 189,000 |
| Denton, Texas | 2 | $ 324,000 | $ 162,000 | $ 249,000 |
| Johnson, Texas | 2 | $ 192,000 | $ 96,000 | $ 77,000 |
| Kleberg, Texas | 2 | $ 276,000 | $ 138,000 | $ 78,000 |
| McLennan, Texas | 2 | $ 268,000 | $ 134,000 | $ 124,000 |
| Montgomery, Texas | 2 | $ 256,000 | $ 128,000 | $ 238,000 |
| Williamson, Tennessee | 1 | $ 212,000 | $ 212,000 | $ 213,000 |
| Aransas, Texas | 1 | $ 126,000 | $ 126,000 | $ 207,000 |
| Bastrop, Texas | 1 | $ 70,000 | $ 70,000 | $ 148,000 |
| Brazoria, Texas | 1 | $ 140,000 | $ 140,000 | $ 493,000 |
| Brazos, Texas | 1 | $ 23,000 | $ 23,000 | $ 91,000 |
| Burnet, Texas | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Colorado, Texas | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Ector, Texas | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Hays, Texas | 1 | $ 248,000 | $ 248,000 | $ 158,000 |
| Hood, Texas | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Howard, Texas | 1 | $ 37,000 | $ 37,000 | $ 77,000 |
| Jefferson, Texas | 1 | $ 200,000 | $ 200,000 | $ 179,000 |
| Kendall, Texas | 1 | $ 100,000 | $ 100,000 | $ 390,000 |
| Kerr, Texas | 1 | $ 115,000 | $ 115,000 | $ 148,000 |
| La Salle, Texas | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Matagorda, Texas | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Maverick, Texas | 1 | $ 52,000 | $ 52,000 | $ 35,000 |
| Navarro, Texas | 1 | $ 40,000 | $ 40,000 | $ 141,000 |
| Starr, Texas | 1 | $ 16,000 | $ 16,000 | $ 32,000 |
| Taylor, Texas | 1 | $ 13,000 | $ 13,000 | $ 30,000 |
| Uvalde, Texas | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Victoria, Texas | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Washington, Texas | 1 | $ 325,000 | $ 325,000 | $ 69,000 |
| Willacy, Texas | 1 | $ 26,000 | $ 26,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2016
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 | 164 | $14,254,000 | $86,000 | $667,000 | $99,000 | $784,000 |
| Home Improvement | 81 | $3,669,000 | $45,000 | $120,000 | $93,000 | $335,000 |
| Home Purchase | 26 | $4,888,000 | $188,000 | $734,000 | $163,000 | $509,000 |
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 | 177 | $11,271,000 | $63,000 | $734,000 | $81,000 | $624,000 |
| White | 65 | $6,529,000 | $100,000 | $400,000 | $124,000 | $390,000 |
| Not Provided | 17 | $2,439,000 | $143,000 | $482,000 | $200,000 | $784,000 |
| Asian | 6 | $2,287,000 | $381,000 | $732,000 | $245,000 | $401,000 |
| Black or African American | 6 | $285,000 | $47,000 | $71,000 | $128,000 | $260,000 |
| Native Hawaiin 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) | 271 | $22,811,000 | $84,000 | $734,000 | $103,000 | $784,000 |
| 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 | 184 | $17,619,000 | $95,000 | $734,000 | $119,000 | $784,000 |
| Application Denied By Financial Institution | 49 | $2,435,000 | $49,000 | $120,000 | $59,000 | $190,000 |
| Application Withdrawn By Applicant | 29 | $2,405,000 | $82,000 | $464,000 | $94,000 | $242,000 |
| File Closed For Incompleteness | 8 | $339,000 | $42,000 | $92,000 | $48,000 | $77,000 |
| Application Approved But Not Accepted | 1 | $13,000 | $13,000 | $13,000 | $30,000 | $30,000 |
| 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 | 26 | $1,228,000 | $47,000 | $120,000 | $55,000 | $190,000 |
| Credit History | 4 | $205,000 | $51,000 | $85,000 | $53,000 | $86,000 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $129,000 | $129,000 |
| 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 2016 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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