H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, H-E-B Federal Credit Union of San Antonio, TX reported 309 mortgage applications totaling $42.3 million, down 3% from 2022. The average application was for $136,812, and applicants reported an average income of $129,773. 39% of its applications resulted in an originated loan and 26% were denied. Its largest markets were San Antonio-New Braunfels, TX (89), Houston-The Woodlands-Sugar Land, TX (47) and McAllen-Edinburg-Mission, TX (23) (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 | 309 |
| Total Mortgage Loan Application Amount | $42,275,000 |
| Average Mortgage Loan Application Amount | $136,812 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $129,773 |
| Highest Applicant Income | $1,713,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 79 | $ 7,345,000 | $ 92,974 | $ 108,000 |
| Harris, Texas | 29 | $ 2,495,000 | $ 86,034 | $ 120,000 |
| Hidalgo, Texas | 23 | $ 1,495,000 | $ 65,000 | $ 81,000 |
| Travis, Texas | 12 | $ 1,850,000 | $ 154,166 | $ 145,000 |
| Webb, Texas | 12 | $ 1,450,000 | $ 120,833 | $ 111,000 |
| Cameron, Texas | 9 | $ 525,000 | $ 58,333 | $ 93,000 |
| Montgomery, Texas | 7 | $ 1,045,000 | $ 149,285 | $ 177,000 |
| Nueces, Texas | 6 | $ 380,000 | $ 63,333 | $ 70,000 |
| Brazoria, Texas | 5 | $ 845,000 | $ 169,000 | $ 148,000 |
| Kleberg, Texas | 5 | $ 265,000 | $ 53,000 | $ 58,000 |
| Bell, Texas | 4 | $ 810,000 | $ 202,500 | $ 173,000 |
| Collin, Texas | 4 | $ 1,850,000 | $ 462,500 | $ 327,000 |
| Fort Bend, Texas | 4 | $ 890,000 | $ 222,500 | $ 127,000 |
| Guadalupe, Texas | 4 | $ 250,000 | $ 62,500 | $ 104,000 |
| McLennan, Texas | 4 | $ 310,000 | $ 77,500 | $ 78,000 |
| Maverick, Texas | 3 | $ 365,000 | $ 121,666 | $ 102,000 |
| San Patricio, Texas | 3 | $ 225,000 | $ 75,000 | $ 72,000 |
| Victoria, Texas | 3 | $ 805,000 | $ 268,333 | $ 151,000 |
| Williamson, Texas | 3 | $ 645,000 | $ 215,000 | $ 195,000 |
| Bastrop, Texas | 2 | $ 340,000 | $ 170,000 | $ 180,000 |
| Bee, Texas | 2 | $ 90,000 | $ 45,000 | $ 59,000 |
| Colorado, Texas | 2 | $ 610,000 | $ 305,000 | $ 180,000 |
| Dallas, Texas | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| DeWitt, Texas | 2 | $ 110,000 | $ 55,000 | $ 95,000 |
| Hays, Texas | 2 | $ 680,000 | $ 340,000 | $ 330,000 |
| Midland, Texas | 2 | $ 140,000 | $ 70,000 | $ 86,000 |
| Parker, Texas | 2 | $ 350,000 | $ 175,000 | $ 160,000 |
| Tarrant, Texas | 2 | $ 90,000 | $ 45,000 | $ 132,000 |
| Uvalde, Texas | 2 | $ 250,000 | $ 125,000 | $ 148,000 |
| Val Verde, Texas | 2 | $ 240,000 | $ 120,000 | $ 72,000 |
| Waller, Texas | 2 | $ 170,000 | $ 85,000 | $ 187,000 |
| Wilson, Texas | 2 | $ 110,000 | $ 55,000 | $ 141,000 |
| Aransas, Texas | 1 | $ 315,000 | $ 315,000 | $ 217,000 |
| Atascosa, Texas | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Brazos, Texas | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Caldwell, Texas | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Comal, Texas | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Cooke, Texas | 1 | $ 425,000 | $ 425,000 | $ 107,000 |
| Coryell, Texas | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Denton, Texas | 1 | $ 535,000 | $ 535,000 | $ 340,000 |
| Dimmit, Texas | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Falls, Texas | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Fayette, Texas | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Grayson, Texas | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Hood, Texas | 1 | $ 375,000 | $ 375,000 | $ 395,000 |
| Kendall, Texas | 1 | $ 75,000 | $ 75,000 | $ 213,000 |
| Medina, Texas | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| San Jacinto, Texas | 1 | $ 65,000 | $ 65,000 | $ 171,000 |
| Starr, Texas | 1 | $ 75,000 | $ 75,000 | $ 117,000 |
| Taylor, Texas | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Tom Green, Texas | 1 | $ 95,000 | $ 95,000 | $ 186,000 |
| Walker, Texas | 1 | $ 585,000 | $ 585,000 | $ 273,000 |
| Washington, Texas | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Wise, Texas | 1 | $ 515,000 | $ 515,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2023
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 | 138 | $10,770,000 | $78,000 | $345,000 | $101,000 | $340,000 |
| Home Improvement | 78 | $5,830,000 | $74,000 | $205,000 | $115,000 | $430,000 |
| Home Purchase | 56 | $20,850,000 | $372,000 | $1,125,000 | $233,000 | $1,713,000 |
| Refinancing | 37 | $4,825,000 | $130,000 | $535,000 | $112,000 | $340,000 |
| 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 | 181 | $16,625,000 | $91,000 | $575,000 | $108,000 | $886,000 |
| White | 77 | $14,885,000 | $193,000 | $1,125,000 | $168,000 | $1,713,000 |
| Not Provided | 30 | $7,420,000 | $247,000 | $725,000 | $166,000 | $372,000 |
| Black or African American | 12 | $1,260,000 | $105,000 | $365,000 | $128,000 | $281,000 |
| Asian | 9 | $2,085,000 | $231,000 | $535,000 | $130,000 | $340,000 |
| 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) | 309 | $42,275,000 | $136,000 | $1,125,000 | $130,000 | $1,713,000 |
| 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 | 120 | $19,610,000 | $163,000 | $725,000 | $147,000 | $556,000 |
| Application Withdrawn By Applicant | 94 | $11,870,000 | $126,000 | $655,000 | $134,000 | $1,713,000 |
| Application Denied By Financial Institution | 80 | $8,600,000 | $107,000 | $1,125,000 | $93,000 | $340,000 |
| File Closed For Incompleteness | 14 | $1,890,000 | $135,000 | $315,000 | $164,000 | $886,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $182,000 | $182,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $33,675,000 | $147,000 | $725,000 | $143,000 | $1,713,000 |
| Debt-To-Income Ratio | 37 | $4,815,000 | $130,000 | $1,125,000 | $93,000 | $236,000 |
| Credit History | 20 | $1,340,000 | $67,000 | $155,000 | $73,000 | $187,000 |
| Other | 16 | $2,000,000 | $125,000 | $535,000 | $98,000 | $340,000 |
| Collateral | 6 | $420,000 | $70,000 | $95,000 | $157,000 | $285,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $49,000 | $49,000 |
| 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 2023 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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