H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, H-E-B Federal Credit Union of San Antonio, TX reported 290 mortgage applications totaling $28.5 million, up 9% from 2018. The average application was for $98,206, and applicants reported an average income of $95,351. 63% of its applications resulted in an originated loan and 19% were denied. Its largest markets were San Antonio-New Braunfels, TX (92), Houston-The Woodlands-Sugar Land, TX (41) and Austin-Round Rock, TX (33) (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 | 290 |
| Total Mortgage Loan Application Amount | $28,480,000 |
| Average Mortgage Loan Application Amount | $98,206 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $95,351 |
| Highest Applicant Income | $399,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 77 | $ 6,755,000 | $ 87,727 | $ 95,000 |
| Hidalgo, Texas | 32 | $ 1,890,000 | $ 59,062 | $ 72,000 |
| Harris, Texas | 30 | $ 2,720,000 | $ 90,666 | $ 101,000 |
| Travis, Texas | 17 | $ 2,965,000 | $ 174,411 | $ 140,000 |
| Nueces, Texas | 10 | $ 560,000 | $ 56,000 | $ 77,000 |
| Webb, Texas | 10 | $ 640,000 | $ 64,000 | $ 79,000 |
| Williamson, Texas | 9 | $ 1,085,000 | $ 120,555 | $ 124,000 |
| Cameron, Texas | 8 | $ 440,000 | $ 55,000 | $ 60,000 |
| McLennan, Texas | 8 | $ 790,000 | $ 98,750 | $ 98,000 |
| Atascosa, Texas | 6 | $ 520,000 | $ 86,666 | $ 91,000 |
| Fort Bend, Texas | 6 | $ 310,000 | $ 51,666 | $ 85,000 |
| Tarrant, Texas | 6 | $ 1,310,000 | $ 218,333 | $ 54,000 |
| Hays, Texas | 5 | $ 745,000 | $ 149,000 | $ 158,000 |
| Montgomery, Texas | 4 | $ 220,000 | $ 55,000 | $ 189,000 |
| Victoria, Texas | 4 | $ 460,000 | $ 115,000 | $ 85,000 |
| Comal, Texas | 3 | $ 455,000 | $ 151,666 | $ 107,000 |
| Burnet, Texas | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Caldwell, Texas | 2 | $ 340,000 | $ 170,000 | $ 71,000 |
| Johnson, Texas | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Medina, Texas | 2 | $ 180,000 | $ 90,000 | $ 65,000 |
| San Patricio, Texas | 2 | $ 90,000 | $ 45,000 | $ 69,000 |
| Washington, Texas | 2 | $ 550,000 | $ 275,000 | $ 165,000 |
| Wilson, Texas | 2 | $ 140,000 | $ 70,000 | $ 100,000 |
| Angelina, Texas | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Aransas, Texas | 1 | $ 185,000 | $ 185,000 | $ 211,000 |
| Bandera, Texas | 1 | $ 75,000 | $ 75,000 | $ 194,000 |
| Bell, Texas | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Blanco, Texas | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Brazos, Texas | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Dallas, Texas | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| DeWitt, Texas | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Ector, Texas | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Ellis, Texas | 1 | $ 115,000 | $ 115,000 | $ 136,000 |
| Galveston, Texas | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Grimes, Texas | 1 | $ 75,000 | $ 75,000 | $ 151,000 |
| Guadalupe, Texas | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Hill, Texas | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Howard, Texas | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Llano, Texas | 1 | $ 285,000 | $ 285,000 | $ 207,000 |
| Maverick, Texas | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Walker, Texas | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Zavala, Texas | 1 | $ 35,000 | $ 35,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 88 | $7,320,000 | $83,000 | $445,000 | $85,000 | $239,000 |
| Refinancing | 86 | $8,500,000 | $98,000 | $385,000 | $88,000 | $291,000 |
| Home Improvement | 56 | $2,950,000 | $52,000 | $185,000 | $94,000 | $399,000 |
| Home Purchase | 44 | $8,860,000 | $201,000 | $985,000 | $121,000 | $280,000 |
| Other Purpose | 16 | $850,000 | $53,000 | $95,000 | $126,000 | $300,000 |
| 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 | 185 | $15,255,000 | $82,000 | $985,000 | $80,000 | $300,000 |
| White | 92 | $11,940,000 | $129,000 | $505,000 | $130,000 | $399,000 |
| Black or African American | 7 | $585,000 | $83,000 | $175,000 | $48,000 | $80,000 |
| Not Provided | 3 | $505,000 | $168,000 | $315,000 | $95,000 | $191,000 |
| Asian | 3 | $195,000 | $65,000 | $85,000 | $48,000 | $65,000 |
| 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) | 289 | $28,405,000 | $98,000 | $985,000 | $95,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $151,000 | $151,000 |
| 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 | 183 | $18,555,000 | $101,000 | $985,000 | $106,000 | $399,000 |
| Application Denied By Financial Institution | 56 | $3,910,000 | $69,000 | $315,000 | $66,000 | $191,000 |
| Application Approved But Not Accepted | 25 | $2,235,000 | $89,000 | $355,000 | $83,000 | $230,000 |
| Preapproval Approved but not Accepted | 9 | $1,885,000 | $209,000 | $435,000 | $122,000 | $177,000 |
| Application Withdrawn By Applicant | 7 | $455,000 | $65,000 | $135,000 | $75,000 | $176,000 |
| File Closed For Incompleteness | 5 | $625,000 | $125,000 | $295,000 | $96,000 | $184,000 |
| Preapproval Denied by Financial Institution | 5 | $815,000 | $163,000 | $345,000 | $65,000 | $141,000 |
| 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 | 229 | $23,755,000 | $103,000 | $985,000 | $103,000 | $399,000 |
| Debt-To-Income Ratio | 28 | $1,850,000 | $66,000 | $175,000 | $57,000 | $148,000 |
| Credit History | 22 | $1,800,000 | $81,000 | $315,000 | $75,000 | $191,000 |
| Other | 9 | $955,000 | $106,000 | $345,000 | $63,000 | $141,000 |
| Collateral | 2 | $120,000 | $60,000 | $85,000 | $121,000 | $150,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 2019 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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