H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, H-E-B Federal Credit Union of San Antonio, TX reported 316 mortgage applications totaling $25.7 million, down 15% from 2013. The average application was for $81,474, and applicants reported an average income of $92,018. 59% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Antonio-New Braunfels, TX (100), McAllen-Edinburg-Mission, TX (36) and Houston-The Woodlands-Sugar Land, TX (29) (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 | 316 |
| Total Mortgage Loan Application Amount | $25,746,000 |
| Average Mortgage Loan Application Amount | $81,474 |
| Highest Mortgage Loan Application Amount | $723,000 |
| Average Applicant Income | $92,018 |
| Highest Applicant Income | $960,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 100 | $ 7,039,000 | $ 70,390 | $ 81,000 |
| McAllen-Edinburg-Mission, TX | 36 | $ 3,347,000 | $ 92,972 | $ 96,000 |
| Houston-The Woodlands-Sugar Land, TX | 29 | $ 3,101,000 | $ 106,931 | $ 118,000 |
| Corpus Christi, TX | 28 | $ 1,388,000 | $ 49,571 | $ 119,000 |
| Austin-Round Rock, TX | 20 | $ 2,170,000 | $ 108,500 | $ 98,000 |
| Brownsville-Harlingen, TX | 15 | $ 919,000 | $ 61,266 | $ 91,000 |
| Laredo, TX | 8 | $ 512,000 | $ 64,000 | $ 54,000 |
| Killeen-Temple, TX | 7 | $ 380,000 | $ 54,285 | $ 77,000 |
| San Angelo, TX | 5 | $ 251,000 | $ 50,200 | $ 39,000 |
| College Station-Bryan, TX | 4 | $ 260,000 | $ 65,000 | $ 128,000 |
| Dallas-Plano-Irving, TX | 4 | $ 383,000 | $ 95,750 | $ 148,000 |
| Midland, TX | 4 | $ 141,000 | $ 35,250 | $ 109,000 |
| Fort Worth-Arlington, TX | 2 | $ 144,000 | $ 72,000 | $ 58,000 |
| Victoria, TX | 2 | $ 92,000 | $ 46,000 | $ 45,000 |
| Waco, TX | 2 | $ 79,000 | $ 39,500 | $ 50,000 |
| Abilene, TX | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Odessa, TX | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2014
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 | 193 | $14,510,000 | $75,000 | $723,000 | $89,000 | $960,000 |
| Home Improvement | 74 | $3,639,000 | $49,000 | $400,000 | $86,000 | $271,000 |
| Home Purchase | 49 | $7,597,000 | $155,000 | $605,000 | $113,000 | $288,000 |
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 | 209 | $15,391,000 | $73,000 | $723,000 | $82,000 | $960,000 |
| White | 79 | $6,911,000 | $87,000 | $605,000 | $106,000 | $288,000 |
| Black or African American | 10 | $774,000 | $77,000 | $180,000 | $73,000 | $236,000 |
| Not Provided | 10 | $1,574,000 | $157,000 | $400,000 | $163,000 | $224,000 |
| Asian | 7 | $946,000 | $135,000 | $320,000 | $168,000 | $253,000 |
| American Indian or Alaskan Native | 1 | $150,000 | $150,000 | $150,000 | $123,000 | $123,000 |
| 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) | 316 | $25,746,000 | $81,000 | $723,000 | $92,000 | $960,000 |
| 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 | 188 | $15,117,000 | $80,000 | $723,000 | $94,000 | $321,000 |
| Application Withdrawn By Applicant | 52 | $3,720,000 | $71,000 | $304,000 | $94,000 | $960,000 |
| Application Denied By Financial Institution | 49 | $3,485,000 | $71,000 | $290,000 | $70,000 | $363,000 |
| File Closed For Incompleteness | 26 | $3,359,000 | $129,000 | $605,000 | $115,000 | $644,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $67,000 | $67,000 |
| 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 | 23 | $1,635,000 | $71,000 | $200,000 | $67,000 | $150,000 |
| 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 2014 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About