Applications / Mortgage Analytics / Lenders / Texas / H.E.B. Federal Credit Union
San Antonio, TX · Credit union · NCUA · $215 million assets · 219 loans in 2025
H.E.B. Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
219
loans originated, 2025
482
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
H.E.B. Federal Credit Union, a San Antonio credit union that makes mostly small home-improvement and other-purpose loans, lifted its lending by 71% in 2025, to 219 loans, far faster than similar lenders.
Its loan count had drifted down from 190 in 2020 to 120 in 2023. In 2025 it rose 71%, against 7% at similar lenders (credit unions making between half and twice as many loans) and 10% in the whole market. That was faster than at nine in ten of them. The dollars it lent rose to $31.5 million from $17.9 million.
Other-purpose loans made up 47.5% of its lending and home improvement 26.5%; purchases took only 12.8%. Its typical loan was $85,000, against $105,000 at similar lenders. Every loan was conventional.
Majority-minority neighborhoods took 68.3% of its loans, against 11.5% at similar lenders, more than at nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 22.9%, against 16.5%, a higher share than about four in five.
Its typical rate was 6.25%, against 6.75% at similar lenders, lower than about four in five of them. Only 0.5% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. H.E.B. Federal Credit Union took 482 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.5% · Home improvement 26.5% · Refinance 13.2% · Purchase 12.8%
Conventional 100.0% · of 219 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 218 | 99.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 77 |
| Houston-Pasadena-The Woodlands | 37 |
| Austin-Round Rock-San Marcos | 28 |
| Dallas-Plano-Irving | 16 |
| McAllen-Edinburg-Mission | 14 |
| Corpus Christi | 9 |
| Fort Worth-Arlington-Grapevine | 5 |
| Killeen-Temple | 4 |
| Waco | 4 |
| Beaumont-Port Arthur | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D8S1ETG70FFW35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 347880 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515650 | 1990–2017 |
Established 1 January 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: H.E.B. Federal Credit Union's data.
H.E.B. Federal Credit Union's data
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H.E.B. Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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