H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, H-E-B Federal Credit Union of San Antonio, TX reported 303 mortgage applications totaling $24.8 million, down 4% from 2014. The average application was for $81,894, and applicants reported an average income of $91,089. 63% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Antonio-New Braunfels, TX (99), McAllen-Edinburg-Mission, TX (54) and Corpus Christi, TX (26) (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 | 303 |
| Total Mortgage Loan Application Amount | $24,814,000 |
| Average Mortgage Loan Application Amount | $81,894 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $91,089 |
| Highest Applicant Income | $525,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for H-E-B Federal Credit Union in 2015
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 | 194 | $15,703,000 | $80,000 | $440,000 | $87,000 | $446,000 |
| Home Improvement | 82 | $3,965,000 | $48,000 | $290,000 | $84,000 | $327,000 |
| Home Purchase | 27 | $5,146,000 | $190,000 | $895,000 | $142,000 | $525,000 |
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 | 212 | $14,165,000 | $66,000 | $436,000 | $80,000 | $491,000 |
| White | 68 | $6,051,000 | $88,000 | $440,000 | $106,000 | $263,000 |
| Not Provided | 14 | $3,185,000 | $227,000 | $895,000 | $175,000 | $525,000 |
| Black or African American | 5 | $564,000 | $112,000 | $217,000 | $100,000 | $213,000 |
| Asian | 3 | $786,000 | $262,000 | $592,000 | $124,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $63,000 | $63,000 | $63,000 | $37,000 | $37,000 |
| 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) | 303 | $24,814,000 | $81,000 | $895,000 | $91,000 | $525,000 |
| 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 | 191 | $17,275,000 | $90,000 | $895,000 | $101,000 | $525,000 |
| Application Denied By Financial Institution | 55 | $3,221,000 | $58,000 | $230,000 | $62,000 | $249,000 |
| Application Withdrawn By Applicant | 37 | $2,966,000 | $80,000 | $350,000 | $95,000 | $446,000 |
| File Closed For Incompleteness | 16 | $1,094,000 | $68,000 | $150,000 | $58,000 | $156,000 |
| Application Approved But Not Accepted | 4 | $258,000 | $64,000 | $115,000 | $87,000 | $200,000 |
| 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 | 15 | $1,045,000 | $69,000 | $230,000 | $63,000 | $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 2015 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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