H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, H-E-B Federal Credit Union of San Antonio, TX reported 483 mortgage applications totaling $60.4 million, up 60% from 2024. The average application was for $125,082, and applicants reported an average income of $133,925. 45% of its applications resulted in an originated loan and 21% were denied. Its largest markets were San Antonio-New Braunfels, TX (156), Houston-The Woodlands-Sugar Land, TX (99) and Austin-Round Rock, TX (49) (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 | 483 |
| Total Mortgage Loan Application Amount | $60,415,000 |
| Average Mortgage Loan Application Amount | $125,082 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $133,925 |
| Highest Applicant Income | $1,200,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 156 | $ 15,600,000 | $ 100,000 | $ 140,000 |
| Houston-The Woodlands-Sugar Land, TX | 99 | $ 10,965,000 | $ 110,757 | $ 126,000 |
| Austin-Round Rock, TX | 49 | $ 6,265,000 | $ 127,857 | $ 154,000 |
| Outside any metro area | 46 | $ 13,780,000 | $ 299,565 | $ 169,000 |
| McAllen-Edinburg-Mission, TX | 32 | $ 2,380,000 | $ 74,375 | $ 123,000 |
| Dallas-Plano-Irving, TX | 30 | $ 4,470,000 | $ 149,000 | $ 131,000 |
| Corpus Christi, TX | 16 | $ 970,000 | $ 60,625 | $ 72,000 |
| Brownsville-Harlingen, TX | 9 | $ 435,000 | $ 48,333 | $ 65,000 |
| Killeen-Temple, TX | 9 | $ 1,725,000 | $ 191,666 | $ 112,000 |
| Laredo, TX | 8 | $ 540,000 | $ 67,500 | $ 95,000 |
| Fort Worth-Arlington, TX | 7 | $ 965,000 | $ 137,857 | $ 140,000 |
| Beaumont-Port Arthur, TX | 5 | $ 535,000 | $ 107,000 | $ 130,000 |
| Waco, TX | 5 | $ 825,000 | $ 165,000 | $ 156,000 |
| College Station-Bryan, TX | 4 | $ 360,000 | $ 90,000 | $ 109,000 |
| Eagle Pass, TX | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Lubbock, TX | 2 | $ 70,000 | $ 35,000 | $ 66,000 |
| Abilene, TX | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
| Midland, TX | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Odessa, TX | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| San Angelo, TX | 1 | $ 65,000 | $ 65,000 | $ 228,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2025
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 | 247 | $19,475,000 | $78,000 | $1,205,000 | $114,000 | $1,200,000 |
| Home Improvement | 133 | $10,535,000 | $79,000 | $505,000 | $133,000 | $816,000 |
| Refinancing | 52 | $8,140,000 | $156,000 | $865,000 | $122,000 | $515,000 |
| Home Purchase | 51 | $22,265,000 | $436,000 | $1,205,000 | $245,000 | $1,133,000 |
| 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 | 251 | $24,695,000 | $98,000 | $865,000 | $107,000 | $816,000 |
| White | 153 | $25,235,000 | $164,000 | $1,205,000 | $168,000 | $1,133,000 |
| Not Provided | 40 | $6,230,000 | $155,000 | $955,000 | $156,000 | $1,200,000 |
| Black or African American | 22 | $2,290,000 | $104,000 | $1,205,000 | $152,000 | $735,000 |
| Asian | 14 | $1,860,000 | $132,000 | $345,000 | $154,000 | $352,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $105,000 | $35,000 | $45,000 | $134,000 | $175,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 483 | $60,415,000 | $125,000 | $1,205,000 | $134,000 | $1,200,000 |
| 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 | 219 | $31,455,000 | $143,000 | $955,000 | $147,000 | $1,133,000 |
| Application Withdrawn By Applicant | 115 | $11,785,000 | $102,000 | $1,205,000 | $138,000 | $1,200,000 |
| Application Denied By Financial Institution | 101 | $10,045,000 | $99,000 | $835,000 | $100,000 | $329,000 |
| File Closed For Incompleteness | 47 | $6,815,000 | $145,000 | $725,000 | $136,000 | $417,000 |
| Preapproval Denied by Financial Institution | 1 | $315,000 | $315,000 | $315,000 | $219,000 | $219,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 381 | $50,055,000 | $131,000 | $1,205,000 | $143,000 | $1,200,000 |
| Credit History | 39 | $2,285,000 | $58,000 | $205,000 | $88,000 | $187,000 |
| Debt-To-Income Ratio | 38 | $5,550,000 | $146,000 | $835,000 | $103,000 | $286,000 |
| Other | 16 | $1,900,000 | $118,000 | $505,000 | $131,000 | $329,000 |
| Collateral | 9 | $625,000 | $69,000 | $265,000 | $97,000 | $144,000 |
| 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 2025 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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