H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, H-E-B Federal Credit Union of San Antonio, TX reported 320 mortgage applications totaling $43.5 million, down 2% from 2021. The average application was for $135,781, and applicants reported an average income of $130,106. 47% of its applications resulted in an originated loan and 28% were denied. Its largest markets were San Antonio-New Braunfels, TX (108), Houston-The Woodlands-Sugar Land, TX (50) and Austin-Round Rock, TX (34) (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 | 320 |
| Total Mortgage Loan Application Amount | $43,450,000 |
| Average Mortgage Loan Application Amount | $135,781 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $130,106 |
| Highest Applicant Income | $1,368,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 108 | $ 10,860,000 | $ 100,555 | $ 141,000 |
| Houston-The Woodlands-Sugar Land, TX | 50 | $ 6,020,000 | $ 120,400 | $ 143,000 |
| Austin-Round Rock, TX | 34 | $ 5,400,000 | $ 158,823 | $ 143,000 |
| McAllen-Edinburg-Mission, TX | 20 | $ 1,760,000 | $ 88,000 | $ 92,000 |
| Outside any metro area | 17 | $ 1,525,000 | $ 89,705 | $ 104,000 |
| Corpus Christi, TX | 11 | $ 1,325,000 | $ 120,454 | $ 91,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,700,000 | $ 337,500 | $ 181,000 |
| Brownsville-Harlingen, TX | 7 | $ 255,000 | $ 36,428 | $ 92,000 |
| College Station-Bryan, TX | 5 | $ 365,000 | $ 73,000 | $ 101,000 |
| Killeen-Temple, TX | 5 | $ 335,000 | $ 67,000 | $ 66,000 |
| Victoria, TX | 5 | $ 485,000 | $ 97,000 | $ 151,000 |
| Laredo, TX | 3 | $ 235,000 | $ 78,333 | $ 127,000 |
| Waco, TX | 3 | $ 425,000 | $ 141,666 | $ 134,000 |
| Abilene, TX | 2 | $ 170,000 | $ 85,000 | $ 96,000 |
| Fort Worth-Arlington, TX | 2 | $ 370,000 | $ 185,000 | $ 130,000 |
| Beaumont-Port Arthur, TX | 1 | $ 15,000 | $ 15,000 | $ 251,000 |
| El Paso, TX | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
| Lubbock, TX | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Odessa, TX | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Wichita Falls, TX | 1 | $ 45,000 | $ 45,000 | $ 276,000 |
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2022
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 | 122 | $8,470,000 | $69,000 | $265,000 | $121,000 | $762,000 |
| Home Improvement | 93 | $6,775,000 | $72,000 | $305,000 | $125,000 | $1,368,000 |
| Home Purchase | 62 | $20,440,000 | $329,000 | $1,405,000 | $162,000 | $860,000 |
| Refinancing | 43 | $7,765,000 | $180,000 | $755,000 | $121,000 | $339,000 |
| 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 | 161 | $15,125,000 | $93,000 | $445,000 | $114,000 | $1,368,000 |
| White | 101 | $17,245,000 | $170,000 | $1,405,000 | $156,000 | $860,000 |
| Not Provided | 29 | $5,525,000 | $190,000 | $575,000 | $130,000 | $291,000 |
| Black or African American | 22 | $2,800,000 | $127,000 | $1,065,000 | $115,000 | $377,000 |
| Asian | 7 | $2,755,000 | $393,000 | $755,000 | $177,000 | $320,000 |
| 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) | 320 | $43,450,000 | $135,000 | $1,405,000 | $130,000 | $1,368,000 |
| 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 | 150 | $23,360,000 | $155,000 | $1,065,000 | $154,000 | $860,000 |
| Application Denied By Financial Institution | 91 | $8,405,000 | $92,000 | $425,000 | $93,000 | $1,368,000 |
| Application Withdrawn By Applicant | 66 | $9,880,000 | $149,000 | $1,405,000 | $127,000 | $934,000 |
| File Closed For Incompleteness | 10 | $1,050,000 | $105,000 | $215,000 | $133,000 | $396,000 |
| Application Approved But Not Accepted | 2 | $390,000 | $195,000 | $355,000 | $83,000 | $104,000 |
| Preapproval Approved but not Accepted | 1 | $365,000 | $365,000 | $365,000 | $160,000 | $160,000 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 229 | $35,045,000 | $153,000 | $1,405,000 | $145,000 | $934,000 |
| Debt-To-Income Ratio | 48 | $4,090,000 | $85,000 | $405,000 | $71,000 | $243,000 |
| Other | 16 | $2,020,000 | $126,000 | $425,000 | $162,000 | $1,368,000 |
| Credit History | 16 | $1,590,000 | $99,000 | $405,000 | $62,000 | $113,000 |
| Collateral | 10 | $630,000 | $63,000 | $125,000 | $131,000 | $198,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $196,000 | $196,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2022 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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