H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, H-E-B Federal Credit Union of San Antonio, TX reported 319 mortgage applications totaling $28.1 million, up 18% from 2016. The average application was for $87,962, and applicants reported an average income of $98,012. 66% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Antonio-New Braunfels, TX (106), McAllen-Edinburg-Mission, TX (58) and Houston-The Woodlands-Sugar Land, TX (43) (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 | 319 |
| Total Mortgage Loan Application Amount | $28,060,000 |
| Average Mortgage Loan Application Amount | $87,962 |
| Highest Mortgage Loan Application Amount | $461,000 |
| Average Applicant Income | $98,012 |
| Highest Applicant Income | $593,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 7,386,000 | $ 78,574 | $ 85,000 |
| Hidalgo, Texas | 58 | $ 3,812,000 | $ 65,724 | $ 82,000 |
| Harris, Texas | 33 | $ 3,829,000 | $ 116,030 | $ 115,000 |
| Travis, Texas | 13 | $ 1,545,000 | $ 118,846 | $ 153,000 |
| Cameron, Texas | 12 | $ 516,000 | $ 43,000 | $ 52,000 |
| Nueces, Texas | 11 | $ 679,000 | $ 61,727 | $ 90,000 |
| Webb, Texas | 11 | $ 853,000 | $ 77,545 | $ 74,000 |
| Montgomery, Texas | 7 | $ 1,370,000 | $ 195,714 | $ 221,000 |
| McLennan, Texas | 6 | $ 704,000 | $ 117,333 | $ 96,000 |
| Williamson, Texas | 6 | $ 471,000 | $ 78,500 | $ 156,000 |
| Dallas, Texas | 4 | $ 304,000 | $ 76,000 | $ 41,000 |
| Maverick, Texas | 4 | $ 278,000 | $ 69,500 | $ 44,000 |
| Starr, Texas | 4 | $ 145,000 | $ 36,250 | $ 62,000 |
| Bell, Texas | 3 | $ 175,000 | $ 58,333 | $ 140,000 |
| Comal, Texas | 3 | $ 178,000 | $ 59,333 | $ 144,000 |
| Medina, Texas | 3 | $ 209,000 | $ 69,666 | $ 86,000 |
| Burnet, Texas | 2 | $ 142,000 | $ 71,000 | $ 47,000 |
| Ellis, Texas | 2 | $ 342,000 | $ 171,000 | $ 178,000 |
| Fort Bend, Texas | 2 | $ 170,000 | $ 85,000 | $ 65,000 |
| Guadalupe, Texas | 2 | $ 242,000 | $ 121,000 | $ 90,000 |
| Kaufman, Texas | 2 | $ 668,000 | $ 334,000 | $ 104,000 |
| Kendall, Texas | 2 | $ 505,000 | $ 252,500 | $ 220,000 |
| Polk, Texas | 2 | $ 296,000 | $ 148,000 | $ 98,000 |
| Tom Green, Texas | 2 | $ 141,000 | $ 70,500 | $ 78,000 |
| Val Verde, Texas | 2 | $ 68,000 | $ 34,000 | $ 33,000 |
| Victoria, Texas | 2 | $ 156,000 | $ 78,000 | $ 92,000 |
| Wilson, Texas | 2 | $ 295,000 | $ 147,500 | $ 80,000 |
| Bee, Texas | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Caldwell, Texas | 1 | $ 188,000 | $ 188,000 | $ 180,000 |
| Calhoun, Texas | 1 | $ 136,000 | $ 136,000 | $ 326,000 |
| Denton, Texas | 1 | $ 314,000 | $ 314,000 | $ 240,000 |
| DeWitt, Texas | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Dimmit, Texas | 1 | $ 39,000 | $ 39,000 | $ 120,000 |
| Ector, Texas | 1 | $ 30,000 | $ 30,000 | $ 125,000 |
| Galveston, Texas | 1 | $ 44,000 | $ 44,000 | $ 129,000 |
| Gillespie, Texas | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Hardin, Texas | 1 | $ 60,000 | $ 60,000 | $ 193,000 |
| Hays, Texas | 1 | $ 245,000 | $ 245,000 | $ 233,000 |
| Hill, Texas | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Hood, Texas | 1 | $ 38,000 | $ 38,000 | $ 157,000 |
| Jefferson, Texas | 1 | $ 65,000 | $ 65,000 | $ 179,000 |
| Kleberg, Texas | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Matagorda, Texas | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Midland, Texas | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Navarro, Texas | 1 | $ 26,000 | $ 26,000 | $ 36,000 |
| Reeves, Texas | 1 | $ 36,000 | $ 36,000 | $ 39,000 |
| Tarrant, Texas | 1 | $ 91,000 | $ 91,000 | $ 88,000 |
| Taylor, Texas | 1 | $ 60,000 | $ 60,000 | $ 100,000 |
| Uvalde, Texas | 1 | $ 104,000 | $ 104,000 | $ 204,000 |
| Washington, Texas | 1 | $ 76,000 | $ 76,000 | $ 87,000 |
| Wharton, Texas | 1 | $ 96,000 | $ 96,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2017
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 | 239 | $19,408,000 | $81,000 | $461,000 | $89,000 | $430,000 |
| Home Improvement | 45 | $1,981,000 | $44,000 | $115,000 | $100,000 | $443,000 |
| Home Purchase | 35 | $6,671,000 | $190,000 | $440,000 | $157,000 | $593,000 |
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 | 213 | $14,659,000 | $68,000 | $461,000 | $79,000 | $430,000 |
| White | 79 | $8,467,000 | $107,000 | $440,000 | $125,000 | $593,000 |
| Not Provided | 21 | $3,819,000 | $181,000 | $375,000 | $154,000 | $312,000 |
| Black or African American | 5 | $1,040,000 | $208,000 | $456,000 | $228,000 | $392,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $161,000 | $161,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 319 | $28,060,000 | $87,000 | $461,000 | $98,000 | $593,000 |
| 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 | 212 | $19,805,000 | $93,000 | $461,000 | $108,000 | $593,000 |
| Application Denied By Financial Institution | 57 | $3,669,000 | $64,000 | $383,000 | $60,000 | $218,000 |
| Application Withdrawn By Applicant | 36 | $3,372,000 | $93,000 | $456,000 | $108,000 | $386,000 |
| File Closed For Incompleteness | 14 | $1,214,000 | $86,000 | $336,000 | $80,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $1,618,000 | $73,000 | $208,000 | $61,000 | $140,000 |
| Debt-To-Income Ratio | 21 | $1,050,000 | $50,000 | $118,000 | $56,000 | $163,000 |
| Other | 4 | $485,000 | $121,000 | $383,000 | $109,000 | $218,000 |
| Collateral | 2 | $72,000 | $36,000 | $40,000 | $79,000 | $130,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H-E-B Federal Credit Union's 2017 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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