H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, H-E-B Federal Credit Union of San Antonio, TX reported 320 mortgage applications totaling $43.5 million, down 2% from 2021. The average application was for $135,781, and applicants reported an average income of $130,106. 47% of its applications resulted in an originated loan and 28% were denied. Its largest markets were San Antonio-New Braunfels, TX (108), Houston-The Woodlands-Sugar Land, TX (50) and Austin-Round Rock, TX (34) (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 | 320 |
| Total Mortgage Loan Application Amount | $43,450,000 |
| Average Mortgage Loan Application Amount | $135,781 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $130,106 |
| Highest Applicant Income | $1,368,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 92 | $ 8,840,000 | $ 96,086 | $ 147,000 |
| Harris, Texas | 28 | $ 2,370,000 | $ 84,642 | $ 129,000 |
| Hidalgo, Texas | 20 | $ 1,760,000 | $ 88,000 | $ 92,000 |
| Hays, Texas | 12 | $ 1,750,000 | $ 145,833 | $ 149,000 |
| Williamson, Texas | 12 | $ 2,230,000 | $ 185,833 | $ 148,000 |
| Fort Bend, Texas | 11 | $ 1,815,000 | $ 165,000 | $ 136,000 |
| Nueces, Texas | 9 | $ 1,105,000 | $ 122,777 | $ 84,000 |
| Montgomery, Texas | 8 | $ 1,690,000 | $ 211,250 | $ 221,000 |
| Travis, Texas | 8 | $ 1,330,000 | $ 166,250 | $ 134,000 |
| Cameron, Texas | 7 | $ 255,000 | $ 36,428 | $ 92,000 |
| Guadalupe, Texas | 7 | $ 645,000 | $ 92,142 | $ 77,000 |
| Victoria, Texas | 5 | $ 485,000 | $ 97,000 | $ 151,000 |
| Bell, Texas | 4 | $ 270,000 | $ 67,500 | $ 56,000 |
| Comal, Texas | 4 | $ 310,000 | $ 77,500 | $ 102,000 |
| Denton, Texas | 4 | $ 1,940,000 | $ 485,000 | $ 231,000 |
| Brazos, Texas | 3 | $ 225,000 | $ 75,000 | $ 90,000 |
| Dallas, Texas | 3 | $ 415,000 | $ 138,333 | $ 115,000 |
| Maverick, Texas | 3 | $ 225,000 | $ 75,000 | $ 106,000 |
| Webb, Texas | 3 | $ 235,000 | $ 78,333 | $ 127,000 |
| Burnet, Texas | 2 | $ 340,000 | $ 170,000 | $ 185,000 |
| Galveston, Texas | 2 | $ 120,000 | $ 60,000 | $ 128,000 |
| Kerr, Texas | 2 | $ 50,000 | $ 25,000 | $ 87,000 |
| McLennan, Texas | 2 | $ 410,000 | $ 205,000 | $ 182,000 |
| Medina, Texas | 2 | $ 480,000 | $ 240,000 | $ 190,000 |
| San Patricio, Texas | 2 | $ 220,000 | $ 110,000 | $ 122,000 |
| Walker, Texas | 2 | $ 70,000 | $ 35,000 | $ 153,000 |
| Atascosa, Texas | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Bastrop, Texas | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Brazoria, Texas | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Burleson, Texas | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Caldwell, Texas | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Collin, Texas | 1 | $ 345,000 | $ 345,000 | $ 177,000 |
| Coryell, Texas | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Ector, Texas | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| El Paso, Texas | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
| Erath, Texas | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Falls, Texas | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Gillespie, Texas | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Gonzales, Texas | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Hood, Texas | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Howard, Texas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Jackson, Texas | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Jefferson, Texas | 1 | $ 15,000 | $ 15,000 | $ 251,000 |
| Jones, Texas | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Kendall, Texas | 1 | $ 455,000 | $ 455,000 | $ 275,000 |
| Kleberg, Texas | 1 | $ 95,000 | $ 95,000 | $ 115,000 |
| Llano, Texas | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Lubbock, Texas | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Parker, Texas | 1 | $ 335,000 | $ 335,000 | $ 167,000 |
| Robertson, Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Tarrant, Texas | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Taylor, Texas | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Wichita, Texas | 1 | $ 45,000 | $ 45,000 | $ 276,000 |
| Wilson, Texas | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 122 | $8,470,000 | $69,000 | $265,000 | $121,000 | $762,000 |
| Home Improvement | 93 | $6,775,000 | $72,000 | $305,000 | $125,000 | $1,368,000 |
| Home Purchase | 62 | $20,440,000 | $329,000 | $1,405,000 | $162,000 | $860,000 |
| Refinancing | 43 | $7,765,000 | $180,000 | $755,000 | $121,000 | $339,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 161 | $15,125,000 | $93,000 | $445,000 | $114,000 | $1,368,000 |
| White | 101 | $17,245,000 | $170,000 | $1,405,000 | $156,000 | $860,000 |
| Not Provided | 29 | $5,525,000 | $190,000 | $575,000 | $130,000 | $291,000 |
| Black or African American | 22 | $2,800,000 | $127,000 | $1,065,000 | $115,000 | $377,000 |
| Asian | 7 | $2,755,000 | $393,000 | $755,000 | $177,000 | $320,000 |
| 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) | 320 | $43,450,000 | $135,000 | $1,405,000 | $130,000 | $1,368,000 |
| 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 | 150 | $23,360,000 | $155,000 | $1,065,000 | $154,000 | $860,000 |
| Application Denied By Financial Institution | 91 | $8,405,000 | $92,000 | $425,000 | $93,000 | $1,368,000 |
| Application Withdrawn By Applicant | 66 | $9,880,000 | $149,000 | $1,405,000 | $127,000 | $934,000 |
| File Closed For Incompleteness | 10 | $1,050,000 | $105,000 | $215,000 | $133,000 | $396,000 |
| Application Approved But Not Accepted | 2 | $390,000 | $195,000 | $355,000 | $83,000 | $104,000 |
| Preapproval Approved but not Accepted | 1 | $365,000 | $365,000 | $365,000 | $160,000 | $160,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $35,045,000 | $153,000 | $1,405,000 | $145,000 | $934,000 |
| Debt-To-Income Ratio | 48 | $4,090,000 | $85,000 | $405,000 | $71,000 | $243,000 |
| Other | 16 | $2,020,000 | $126,000 | $425,000 | $162,000 | $1,368,000 |
| Credit History | 16 | $1,590,000 | $99,000 | $405,000 | $62,000 | $113,000 |
| Collateral | 10 | $630,000 | $63,000 | $125,000 | $131,000 | $198,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $196,000 | $196,000 |
| 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 2022 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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