H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, H-E-B Federal Credit Union of San Antonio, TX reported 381 mortgage applications totaling $27.9 million, down 9% from 2010. The average application was for $73,115, and applicants reported an average income of $83,569. 54% of its applications resulted in an originated loan and 20% were denied. Its largest markets were San Antonio-New Braunfels, TX (123), McAllen-Edinburg-Mission, TX (66) and Corpus Christi, TX (38) (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 | 381 |
| Total Mortgage Loan Application Amount | $27,857,000 |
| Average Mortgage Loan Application Amount | $73,115 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $83,569 |
| Highest Applicant Income | $1,652,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 123 | $ 8,192,000 | $ 66,601 | $ 81,000 |
| McAllen-Edinburg-Mission, TX | 66 | $ 4,225,000 | $ 64,015 | $ 51,000 |
| Corpus Christi, TX | 38 | $ 1,824,000 | $ 48,000 | $ 75,000 |
| Houston-Sugar Land-Baytown, TX | 28 | $ 2,740,000 | $ 97,857 | $ 143,000 |
| Brownsville-Harlingen, TX | 17 | $ 1,270,000 | $ 74,705 | $ 78,000 |
| Austin-Round Rock-San Marcos, TX | 16 | $ 1,277,000 | $ 79,812 | $ 104,000 |
| Laredo, TX | 7 | $ 418,000 | $ 59,714 | $ 89,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 559,000 | $ 111,800 | $ 135,000 |
| Waco, TX | 5 | $ 396,000 | $ 79,200 | $ 74,000 |
| Dallas-Plano-Irving, TX | 4 | $ 828,000 | $ 207,000 | $ 125,000 |
| Beaumont-Port Arthur, TX | 3 | $ 381,000 | $ 127,000 | $ 158,000 |
| Victoria, TX | 2 | $ 86,000 | $ 43,000 | $ 50,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 40,000 | $ 40,000 | $ 120,000 |
| College Station-Bryan, TX | 1 | $ 87,000 | $ 87,000 | $ 74,000 |
| Midland, TX | 1 | $ 90,000 | $ 90,000 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 250,000 | $ 250,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 228 | $17,563,000 | $77,000 | $628,000 | $89,000 | $1,652,000 |
| Home Improvement | 103 | $4,452,000 | $43,000 | $283,000 | $66,000 | $288,000 |
| Home Purchase | 50 | $5,842,000 | $116,000 | $660,000 | $95,000 | $350,000 |
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 | 227 | $14,748,000 | $64,000 | $404,000 | $70,000 | $350,000 |
| White | 75 | $7,353,000 | $98,000 | $628,000 | $122,000 | $1,652,000 |
| Not Provided | 62 | $4,679,000 | $75,000 | $660,000 | $89,000 | $454,000 |
| Asian | 9 | $838,000 | $93,000 | $307,000 | $92,000 | $163,000 |
| Black or African American | 7 | $204,000 | $29,000 | $76,000 | $60,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $117,000 | $117,000 |
| 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) | 381 | $27,857,000 | $73,000 | $660,000 | $84,000 | $1,652,000 |
| 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 | 206 | $15,664,000 | $76,000 | $660,000 | $92,000 | $1,652,000 |
| Application Denied By Financial Institution | 77 | $4,593,000 | $59,000 | $628,000 | $60,000 | $370,000 |
| Application Withdrawn By Applicant | 69 | $5,957,000 | $86,000 | $360,000 | $86,000 | $350,000 |
| File Closed For Incompleteness | 29 | $1,643,000 | $56,000 | $163,000 | $86,000 | $454,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 34 | $1,902,000 | $55,000 | $160,000 | $55,000 | $132,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into H-E-B Federal Credit Union's 2011 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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