H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, H-E-B Federal Credit Union of San Antonio, TX reported 299 mortgage applications totaling $11.9 million. The average application was for $39,702, and applicants reported an average income of $71,030. 92% of its applications resulted in an originated loan and 7% were denied. Its largest markets were San Antonio, TX (117), Corpus Christi, TX (51) and McAllen-Edinburg-Mission, TX (27) (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 | 299 |
| Total Mortgage Loan Application Amount | $11,871,000 |
| Average Mortgage Loan Application Amount | $39,702 |
| Highest Mortgage Loan Application Amount | $238,000 |
| Average Applicant Income | $71,030 |
| Highest Applicant Income | $334,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, TX | 117 | $ 4,412,000 | $ 37,709 | $ 75,000 |
| Corpus Christi, TX | 51 | $ 1,877,000 | $ 36,803 | $ 72,000 |
| McAllen-Edinburg-Mission, TX | 27 | $ 981,000 | $ 36,333 | $ 52,000 |
| Austin-San Marcos, TX | 20 | $ 937,000 | $ 46,850 | $ 70,000 |
| Houston, TX | 14 | $ 490,000 | $ 35,000 | $ 61,000 |
| Brownsville-Harlingen-San Benito, TX | 9 | $ 301,000 | $ 33,444 | $ 59,000 |
| Laredo, TX | 5 | $ 202,000 | $ 40,400 | $ 95,000 |
| Dallas, TX | 4 | $ 454,000 | $ 113,500 | $ 96,000 |
| Waco, TX | 4 | $ 83,000 | $ 20,750 | $ 49,000 |
| Fort Worth-Arlington, TX | 2 | $ 159,000 | $ 79,500 | $ 68,000 |
| Bryan-College Station, TX | 1 | $ 40,000 | $ 40,000 | $ 101,000 |
| Galveston-Texas City, TX | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Odessa-Midland, TX | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| San Angelo, TX | 1 | $ 3,000 | $ 3,000 | $ 22,000 |
| Victoria, TX | 1 | $ 16,000 | $ 16,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2003
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 |
|---|---|---|---|---|---|---|
| Home Improvement (one-to-four family) | 288 | $10,779,000 | $37,000 | $238,000 | $68,000 | $334,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 10 | $977,000 | $97,000 | $227,000 | $140,000 | $249,000 |
| Home Purchase (one-to-four family) | 1 | $115,000 | $115,000 | $115,000 | $254,000 | $254,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 168 | $6,021,000 | $35,000 | $179,000 | $58,000 | $199,000 |
| White | 128 | $5,785,000 | $45,000 | $238,000 | $87,000 | $334,000 |
| Information not provided by applicant in mail or telephone application | 2 | $45,000 | $22,000 | $30,000 | $73,000 | $85,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $115,000 | $115,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 299 | $11,871,000 | $39,000 | $238,000 | $76,000 | $334,000 |
| 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 | 274 | $11,480,000 | $41,000 | $238,000 | $83,000 | $334,000 |
| Application Denied By Financial Institution | 21 | $243,000 | $11,000 | $70,000 | $33,000 | $47,000 |
| Application Approved But Not Accepted | 3 | $135,000 | $45,000 | $128,000 | $67,000 | $149,000 |
| Application Withdrawn By Applicant | 1 | $13,000 | $13,000 | $13,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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 2003 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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