H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, H-E-B Federal Credit Union of San Antonio, TX reported 301 mortgage applications totaling $35.3 million, down 3% from 2023. The average application was for $117,425, and applicants reported an average income of $111,684. 43% of its applications resulted in an originated loan and 23% were denied. Its largest markets were San Antonio-New Braunfels, TX (95), Houston-The Woodlands-Sugar Land, TX (41) and Austin-Round Rock, TX (20) (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 | 301 |
| Total Mortgage Loan Application Amount | $35,345,000 |
| Average Mortgage Loan Application Amount | $117,425 |
| Highest Mortgage Loan Application Amount | $1,115,000 |
| Average Applicant Income | $111,684 |
| Highest Applicant Income | $893,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 85 | $ 7,695,000 | $ 90,529 | $ 107,000 |
| Harris, Texas | 30 | $ 3,570,000 | $ 119,000 | $ 98,000 |
| Hidalgo, Texas | 18 | $ 1,680,000 | $ 93,333 | $ 112,000 |
| Cameron, Texas | 13 | $ 925,000 | $ 71,153 | $ 119,000 |
| Nueces, Texas | 11 | $ 665,000 | $ 60,454 | $ 95,000 |
| Williamson, Texas | 11 | $ 2,315,000 | $ 210,454 | $ 137,000 |
| Denton, Texas | 5 | $ 1,475,000 | $ 295,000 | $ 76,000 |
| Travis, Texas | 5 | $ 1,025,000 | $ 205,000 | $ 136,000 |
| Medina, Texas | 4 | $ 350,000 | $ 87,500 | $ 85,000 |
| Tarrant, Texas | 4 | $ 340,000 | $ 85,000 | $ 103,000 |
| Brazos, Texas | 3 | $ 175,000 | $ 58,333 | $ 86,000 |
| Ector, Texas | 3 | $ 125,000 | $ 41,666 | $ 45,000 |
| Ellis, Texas | 3 | $ 145,000 | $ 48,333 | $ 77,000 |
| Guadalupe, Texas | 3 | $ 205,000 | $ 68,333 | $ 162,000 |
| Hays, Texas | 3 | $ 105,000 | $ 35,000 | $ 93,000 |
| McLennan, Texas | 3 | $ 185,000 | $ 61,666 | $ 132,000 |
| Orange, Texas | 3 | $ 75,000 | $ 25,000 | $ 72,000 |
| Washington, Texas | 3 | $ 245,000 | $ 81,666 | $ 113,000 |
| Webb, Texas | 3 | $ 285,000 | $ 95,000 | $ 68,000 |
| Bell, Texas | 2 | $ 450,000 | $ 225,000 | $ 224,000 |
| Brazoria, Texas | 2 | $ 120,000 | $ 60,000 | $ 119,000 |
| Collin, Texas | 2 | $ 730,000 | $ 365,000 | $ 188,000 |
| Fort Bend, Texas | 2 | $ 220,000 | $ 110,000 | $ 144,000 |
| Galveston, Texas | 2 | $ 180,000 | $ 90,000 | $ 30,000 |
| Hood, Texas | 2 | $ 340,000 | $ 170,000 | $ 177,000 |
| Jefferson, Texas | 2 | $ 130,000 | $ 65,000 | $ 135,000 |
| Johnson, Texas | 2 | $ 330,000 | $ 165,000 | $ 174,000 |
| Liberty, Texas | 2 | $ 110,000 | $ 55,000 | $ 50,000 |
| Montgomery, Texas | 2 | $ 290,000 | $ 145,000 | $ 130,000 |
| Victoria, Texas | 2 | $ 140,000 | $ 70,000 | $ 147,000 |
| Bandera, Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Caldwell, Texas | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Dallas, Texas | 1 | $ 265,000 | $ 265,000 | $ 10,000 |
| Erath, Texas | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Hill, Texas | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Howard, Texas | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Jim Wells, Texas | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Kendall, Texas | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Maverick, Texas | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Midland, Texas | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| San Patricio, Texas | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Waller, Texas | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Willacy, Texas | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Wilson, Texas | 1 | $ 525,000 | $ 525,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2024
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 | 132 | $9,030,000 | $68,000 | $225,000 | $109,000 | $780,000 |
| Home Improvement | 86 | $5,220,000 | $60,000 | $205,000 | $90,000 | $272,000 |
| Home Purchase | 52 | $16,610,000 | $319,000 | $1,115,000 | $150,000 | $893,000 |
| Refinancing | 31 | $4,485,000 | $144,000 | $505,000 | $119,000 | $591,000 |
| 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 | 153 | $14,805,000 | $96,000 | $485,000 | $108,000 | $780,000 |
| White | 109 | $14,755,000 | $135,000 | $1,115,000 | $120,000 | $893,000 |
| Not Provided | 24 | $4,120,000 | $171,000 | $955,000 | $102,000 | $335,000 |
| Black or African American | 10 | $1,220,000 | $122,000 | $455,000 | $130,000 | $247,000 |
| Asian | 5 | $445,000 | $89,000 | $105,000 | $59,000 | $100,000 |
| 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) | 301 | $35,345,000 | $117,000 | $1,115,000 | $112,000 | $893,000 |
| 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 | 128 | $17,940,000 | $140,000 | $1,115,000 | $127,000 | $618,000 |
| Application Withdrawn By Applicant | 77 | $9,165,000 | $119,000 | $955,000 | $115,000 | $780,000 |
| Application Denied By Financial Institution | 69 | $6,425,000 | $93,000 | $455,000 | $93,000 | $893,000 |
| File Closed For Incompleteness | 25 | $1,555,000 | $62,000 | $305,000 | $76,000 | $160,000 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $81,000 | $81,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $36,000 | $36,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 | 231 | $28,755,000 | $124,000 | $1,115,000 | $118,000 | $780,000 |
| Debt-To-Income Ratio | 39 | $4,055,000 | $103,000 | $455,000 | $74,000 | $196,000 |
| Credit History | 19 | $1,595,000 | $83,000 | $215,000 | $136,000 | $893,000 |
| Other | 5 | $465,000 | $93,000 | $185,000 | $77,000 | $147,000 |
| Collateral | 5 | $265,000 | $53,000 | $95,000 | $88,000 | $127,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $98,000 | $98,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $32,000 | $32,000 |
| 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 2024 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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