H E B Credit Union
H E B Credit Union received 459 applications in 2025 and made 218 mortgages, in 57 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $85,000. Of 312 decisions, 94 were denials — 30.1%, most often for credit history.
| Legal Entity Identifier | 549300D8S1ETG70FFW35 |
|---|---|
| Applications received | 459 |
| Mortgages made | 218 |
| Denied | 94 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 147 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.43 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 27 | 5.590% | $365,000 | 3.6% |
| Refinancing | 29 | 5.990% | $95,000 | 27.5% |
| Other purposes | 162 | 6.750% | $75,000 | 33.6% |
Where H E B Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bexar County, TX | 64 | 6.250% | 26.4% |
| Harris County, TX | 19 | 6.750% | 44.1% |
| Hidalgo County, TX | 14 | 6.120% | 36.4% |
| Williamson County, TX | 13 | 6.750% | 27.8% |
| Montgomery County, TX | 10 | 6.480% | 44.4% |
| Nueces County, TX | 9 | Under 10 loans | 25.0% |
| Hays County, TX | 7 | Under 10 loans | 0.0% |
| Travis County, TX | 7 | Under 10 loans | 22.2% |
| Fort Bend County, TX | 5 | Under 10 loans | 28.6% |
| Collin County, TX | 4 | Under 10 loans | 42.9% |
| Dallas County, TX | 4 | Under 10 loans | 0.0% |
| Ellis County, TX | 4 | Under 10 loans | 0.0% |
| McLennan County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 0.0% |
| Atascosa County, TX | 3 | Under 10 loans | 0.0% |
| Bell County, TX | 3 | Under 10 loans | 25.0% |
| Guadalupe County, TX | 3 | Under 10 loans | 0.0% |
| Kendall County, TX | 3 | Under 10 loans | 25.0% |
| Medina County, TX | 3 | Under 10 loans | 40.0% |
| Cameron County, TX | 2 | Under 10 loans | 60.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| DeWitt County, TX | 2 | Under 10 loans | 0.0% |
| Jefferson County, TX | 2 | Under 10 loans | 33.3% |
| Kaufman County, TX | 2 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Bee County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 50.0% |
| Brazos County, TX | 1 | Under 10 loans | 50.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 66.7% |
| Coryell County, TX | 1 | Under 10 loans | 50.0% |
| Fayette County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 66.7% |
| Gonzales County, TX | 1 | Under 10 loans | 0.0% |
| Howard County, TX | 1 | Under 10 loans | 50.0% |
| Jackson County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| Kleberg County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 50.0% |
| Matagorda County, TX | 1 | Under 10 loans | 0.0% |
| Maverick County, TX | 1 | Under 10 loans | 50.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Navarro County, TX | 1 | Under 10 loans | 0.0% |
| Robertson County, TX | 1 | Under 10 loans | 50.0% |
| Starr County, TX | 1 | Under 10 loans | 50.0% |
| Tom Green County, TX | 1 | Under 10 loans | 0.0% |
| Waller County, TX | 1 | Under 10 loans | 0.0% |
| Webb County, TX | 1 | Under 10 loans | 50.0% |
| Ector County, TX | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.