What loan types does H E B Credit Union offer?

H E B Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does H E B Credit Union offer mortgages?

H E B Credit Union offers mortgages in 1 states: TX.

What type of lender is H E B Credit Union?

H E B Credit Union is a Credit Union headquartered in San Antonio, TX.

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H E B Credit Union

Credit Union•San Antonio, TXHQ•Direct•Reviews near you on Google

H E B Credit Union has 35 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

H E B Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

33 loans · 1.17% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

21 loans

Mediocre

Bottom 20% of lenders

1/5

Refinance

14 loans · 1.17% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Mediocre	—	Mediocre	33	94.3%	+1.166%Above	$252Credit

Conventional

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume33

Mix94.3%

Spread

+1.166%Above

Fees

$252Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	21	60.0%	—	—
Refinance	Acceptable	Acceptable	—	Acceptable	14	40.0%	+1.166%Above	$252Credit

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume21

Mix60.0%

Spread—

Fees—

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume14

Mix40.0%

Spread

+1.166%Above

Fees

$252Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$10 million

Pricing & Closing

Pullthrough Rate

49.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$291,857

Avg Borrower Income

$155,943

Avg Property Value

$4,215,938

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

San Antonio, TXMetro

Volume 12Mix 34.29% of portfolio

50/100

Sound

Top States by Place Specialization Score

TexasState

Volume 33Mix 94.29% of portfolio

56/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.