H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, H-E-B Federal Credit Union of San Antonio, TX reported 266 mortgage applications totaling $40.8 million, down 17% from 2017. The average application was for $153,345, and applicants reported an average income of $93,120. 65% of its applications resulted in an originated loan and 23% were denied. Its largest markets were San Antonio-New Braunfels, TX (81), McAllen-Edinburg-Mission, TX (43) and Houston-The Woodlands-Sugar Land, TX (26) (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 | 266 |
| Total Mortgage Loan Application Amount | $40,790,000 |
| Average Mortgage Loan Application Amount | $153,345 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $93,120 |
| Highest Applicant Income | $630,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 67 | $ 5,445,000 | $ 81,268 | $ 84,000 |
| Hidalgo, Texas | 43 | $ 2,335,000 | $ 54,302 | $ 72,000 |
| Harris, Texas | 19 | $ 1,515,000 | $ 79,736 | $ 95,000 |
| Travis, Texas | 15 | $ 1,805,000 | $ 120,333 | $ 98,000 |
| Nueces, Texas | 12 | $ 660,000 | $ 55,000 | $ 85,000 |
| Cameron, Texas | 11 | $ 595,000 | $ 54,090 | $ 79,000 |
| Webb, Texas | 9 | $ 505,000 | $ 56,111 | $ 69,000 |
| McLennan, Texas | 6 | $ 360,000 | $ 60,000 | $ 142,000 |
| Medina, Texas | 5 | $ 485,000 | $ 97,000 | $ 68,000 |
| Bell, Texas | 4 | $ 330,000 | $ 82,500 | $ 148,000 |
| Comal, Texas | 4 | $ 370,000 | $ 92,500 | $ 145,000 |
| DeWitt, Texas | 4 | $ 300,000 | $ 75,000 | $ 79,000 |
| Williamson, Texas | 3 | $ 175,000 | $ 58,333 | $ 126,000 |
| Austin, Texas | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| Bandera, Texas | 2 | $ 190,000 | $ 95,000 | $ 254,000 |
| Coryell, Texas | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Dallas, Texas | 2 | $ 110,000 | $ 55,000 | $ 61,000 |
| Denton, Texas | 2 | $ 230,000 | $ 115,000 | $ 157,000 |
| Fort Bend, Texas | 2 | $ 280,000 | $ 140,000 | $ 71,000 |
| Galveston, Texas | 2 | $ 510,000 | $ 255,000 | $ 201,000 |
| Guadalupe, Texas | 2 | $ 80,000 | $ 40,000 | $ 105,000 |
| Jefferson, Texas | 2 | $ 210,000 | $ 105,000 | $ 115,000 |
| Midland, Texas | 2 | $ 240,000 | $ 120,000 | $ 87,000 |
| Navarro, Texas | 2 | $ 70,000 | $ 35,000 | $ 96,000 |
| Bastrop, Texas | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Brazos, Texas | 1 | $ 235,000 | $ 235,000 | $ 200,000 |
| Caldwell, Texas | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Fayette, Texas | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Grimes, Texas | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Hays, Texas | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Kleberg, Texas | 1 | $ 35,000 | $ 35,000 | $ 158,000 |
| Liberty, Texas | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Maverick, Texas | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Nacogdoches, Texas | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Rockwall, Texas | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| San Patricio, Texas | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Tarrant, Texas | 1 | $ 95,000 | $ 95,000 | $ 97,000 |
| Taylor, Texas | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Uvalde, Texas | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Wilson, Texas | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Zavala, Texas | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2018
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 | 126 | $9,920,000 | $78,000 | $385,000 | $77,000 | $254,000 |
| Home Improvement | 48 | $2,680,000 | $55,000 | $245,000 | $89,000 | $630,000 |
| Cash-out Refinancing | 41 | $2,465,000 | $60,000 | $135,000 | $76,000 | $211,000 |
| Home Purchase | 28 | $24,800,000 | $885,000 | $20,005,000 | $179,000 | $500,000 |
| Other Purpose | 23 | $925,000 | $40,000 | $95,000 | $116,000 | $243,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 174 | $11,480,000 | $65,000 | $335,000 | $77,000 | $388,000 |
| White | 67 | $26,635,000 | $397,000 | $20,005,000 | $122,000 | $630,000 |
| Black or African American | 12 | $780,000 | $65,000 | $225,000 | $90,000 | $211,000 |
| Not Provided | 8 | $1,190,000 | $148,000 | $345,000 | $143,000 | $326,000 |
| Asian | 3 | $375,000 | $125,000 | $175,000 | $224,000 | $254,000 |
| 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) | 266 | $40,790,000 | $153,000 | $20,005,000 | $93,000 | $630,000 |
| 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 | 172 | $13,230,000 | $76,000 | $355,000 | $105,000 | $630,000 |
| Application Denied By Financial Institution | 61 | $4,035,000 | $66,000 | $345,000 | $60,000 | $208,000 |
| Application Withdrawn By Applicant | 20 | $22,080,000 | $1,104,000 | $20,005,000 | $92,000 | $239,000 |
| File Closed For Incompleteness | 5 | $365,000 | $73,000 | $95,000 | $54,000 | $84,000 |
| Application Approved But Not Accepted | 5 | $225,000 | $45,000 | $65,000 | $46,000 | $64,000 |
| Preapproval Approved but not Accepted | 2 | $720,000 | $360,000 | $625,000 | $194,000 | $238,000 |
| Preapproval Denied by Financial Institution | 1 | $135,000 | $135,000 | $135,000 | $326,000 | $326,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 204 | $36,620,000 | $179,000 | $20,005,000 | $102,000 | $630,000 |
| Debt-To-Income Ratio | 22 | $1,730,000 | $78,000 | $345,000 | $53,000 | $208,000 |
| Credit History | 18 | $960,000 | $53,000 | $145,000 | $58,000 | $112,000 |
| Other | 12 | $900,000 | $75,000 | $205,000 | $72,000 | $172,000 |
| Collateral | 6 | $370,000 | $61,000 | $135,000 | $94,000 | $326,000 |
| Credit Application Incomplete | 3 | $155,000 | $51,000 | $85,000 | $123,000 | $134,000 |
| Mortgage Insurance Denied | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H-E-B Federal Credit Union's 2018 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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