H-E-B Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, H-E-B Federal Credit Union of San Antonio, TX reported 309 mortgage applications totaling $42.3 million, down 3% from 2022. The average application was for $136,812, and applicants reported an average income of $129,773. 39% of its applications resulted in an originated loan and 26% were denied. Its largest markets were San Antonio-New Braunfels, TX (89), Houston-The Woodlands-Sugar Land, TX (47) and McAllen-Edinburg-Mission, TX (23) (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 | 309 |
| Total Mortgage Loan Application Amount | $42,275,000 |
| Average Mortgage Loan Application Amount | $136,812 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $129,773 |
| Highest Applicant Income | $1,713,000 |
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records H-E-B Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 138 | $10,770,000 | $78,000 | $345,000 | $101,000 | $340,000 |
| Home Improvement | 78 | $5,830,000 | $74,000 | $205,000 | $115,000 | $430,000 |
| Home Purchase | 56 | $20,850,000 | $372,000 | $1,125,000 | $233,000 | $1,713,000 |
| Refinancing | 37 | $4,825,000 | $130,000 | $535,000 | $112,000 | $340,000 |
| 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 | 181 | $16,625,000 | $91,000 | $575,000 | $108,000 | $886,000 |
| White | 77 | $14,885,000 | $193,000 | $1,125,000 | $168,000 | $1,713,000 |
| Not Provided | 30 | $7,420,000 | $247,000 | $725,000 | $166,000 | $372,000 |
| Black or African American | 12 | $1,260,000 | $105,000 | $365,000 | $128,000 | $281,000 |
| Asian | 9 | $2,085,000 | $231,000 | $535,000 | $130,000 | $340,000 |
| 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) | 309 | $42,275,000 | $136,000 | $1,125,000 | $130,000 | $1,713,000 |
| 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 | 120 | $19,610,000 | $163,000 | $725,000 | $147,000 | $556,000 |
| Application Withdrawn By Applicant | 94 | $11,870,000 | $126,000 | $655,000 | $134,000 | $1,713,000 |
| Application Denied By Financial Institution | 80 | $8,600,000 | $107,000 | $1,125,000 | $93,000 | $340,000 |
| File Closed For Incompleteness | 14 | $1,890,000 | $135,000 | $315,000 | $164,000 | $886,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $182,000 | $182,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $33,675,000 | $147,000 | $725,000 | $143,000 | $1,713,000 |
| Debt-To-Income Ratio | 37 | $4,815,000 | $130,000 | $1,125,000 | $93,000 | $236,000 |
| Credit History | 20 | $1,340,000 | $67,000 | $155,000 | $73,000 | $187,000 |
| Other | 16 | $2,000,000 | $125,000 | $535,000 | $98,000 | $340,000 |
| Collateral | 6 | $420,000 | $70,000 | $95,000 | $157,000 | $285,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $49,000 | $49,000 |
| 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 2023 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