H E B Credit Union in Texas vs the state
20.5%Denial rate+1.05 pts vs state
30.1%Decision denial rate+5.23 pts vs state
47.5%Origination rate-7.39 pts vs state
6.25%Median rate-0.25 pts vs state
0.43Rate spread (pts)+0.24 pts vs state
$103kMedian applicant income
218Loans originated
94Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 281 | 120 | 26.0% | 7.46% | #331 |
| 2024 | 276 | 126 | 22.1% | 7.42% | #332 |
| 2025 | 459 | 218 | 20.5% | 6.25% | #275 |
What H E B Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most H E B Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 130 | 64 | 23 | 17.7% |
| Harris County | 54 | 19 | 15 | 27.8% |
| Hidalgo County | 32 | 14 | 8 | 25.0% |
| Montgomery County | 24 | 10 | 8 | 33.3% |
| Williamson County | 23 | 13 | 5 | 21.7% |
| Nueces County | 16 | 9 | 3 | 18.8% |
| Travis County | 15 | 7 | 2 | 13.3% |
| Fort Bend County | 12 | 5 | 2 | 16.7% |
| Dallas County | 10 | 4 | 0 | 0.0% |
| Hays County | 10 | 7 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 459 applications in 2025, of which 218 were originated and 94 denied.
20.5% of all applications, or 30.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans H E B Credit Union originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are H E B Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology