H E B Credit Union mortgage approval rate & lending review
H E B Credit Union decided 300 mortgage applications and funded 218 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions H E B Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
H E B Credit Union at a glance
Approval is 1.0 points above the 71.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 60 / 63 | 100% | $335K | 60 |
| Home improvement loans | 65% | 102 / 157 | 100% | $65K | 102 |
| Refinance | 69% | 54 / 78 | 100% | $95K | 54 |
H E B Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 73% | $95K | 300 | 218 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where H E B Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Home improvement loans | 70% | 66 | 46 |
| Harris County, TX | Home improvement loans | 64% | 22 | 14 |
The county markets where H E B Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about H E B Credit Union
What is H E B Credit Union's mortgage approval rate?
H E B Credit Union approved 72.7% of the 300 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points above the 71.7% national rate for the same mix of loan types.
How often do borrowers take the loan H E B Credit Union offers?
Borrowers accepted 100% of the loans H E B Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does H E B Credit Union make?
The typical home improvement loan loan H E B Credit Union made was $65K; across all loan types its typical loan ran from $65K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does H E B Credit Union lend?
H E B Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to H E B Credit Union directly?
Yes. H E B Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show H E B Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how H E B Credit Union treats applications, then get a rate quote from the lender.