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| Location |
Kerr County TX
• Apply Here |
| Year | 2005 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 3,438 |
| Total Amount of All Mortgage Loans Applied For | $375,788,000 |
| Average Mortgage Loan Amount Applied For | $109,000 |
| Highest Mortgage Loan Amount Applied For | $2,336,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,982,000 |
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| Home Improvement |
307 | $22,779,000 |
$74,000 | $1,155,000 |
$62,000 | $541,000 |
| Home Purchase |
1,737 | $189,657,000 |
$109,000 | $2,336,000 |
$80,000 | $1,982,000 |
| Refinancing |
1,394 | $163,352,000 |
$117,000 | $1,165,000 |
$69,000 | $1,519,000 |
|
| American Indian or Alaskan Native |
11 | $902,000 |
$82,000 | $239,000 |
$56,000 | $149,000 |
| Asian |
16 | $1,247,000 |
$77,000 | $198,000 |
$47,000 | $70,000 |
| Black or African American |
33 | $2,337,000 |
$70,000 | $182,000 |
$41,000 | $103,000 |
| Hispanic |
402 | $34,749,000 |
$86,000 | $1,000,000 |
$54,000 | $786,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $209,000 |
$104,000 | $148,000 |
$30,000 | $60,000 |
| Not applicable |
206 | $19,275,000 |
$93,000 | $784,000 |
$14,000 | $318,000 |
| Not Provided |
414 | $46,503,000 |
$112,000 | $1,117,000 |
$85,000 | $1,982,000 |
| White |
2,354 | $270,566,000 |
$114,000 | $2,336,000 |
$85,000 | $1,825,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,297 | $359,526,000 |
$109,000 | $2,336,000 |
$77,000 | $1,982,000 |
| FHA-insured (Federal Housing Administration) |
84 | $8,765,000 |
$104,000 | $175,000 |
$32,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
8 | $947,000 |
$118,000 | $154,000 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
49 | $6,550,000 |
$133,000 | $304,000 |
$43,000 | $210,000 |
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| Application Approved But Not Accepted |
188 | $19,591,000 |
$104,000 | $756,000 |
$90,000 | $783,000 |
| Application Denied By Financial Institution |
707 | $66,446,000 |
$93,000 | $2,336,000 |
$76,000 | $1,982,000 |
| Application Withdrawn By Applicant |
456 | $60,730,000 |
$133,000 | $1,165,000 |
$75,000 | $1,519,000 |
| File Closed For Incompleteness |
193 | $24,070,000 |
$124,000 | $621,000 |
$82,000 | $660,000 |
| Loan Originated |
1,488 | $162,042,000 |
$108,000 | $825,000 |
$78,000 | $1,088,000 |
| Loan Purchased By The Institution |
404 | $42,847,000 |
$106,000 | $784,000 |
$38,000 | $570,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
2 | $62,000 |
$31,000 | $50,000 |
$47,000 | $55,000 |
|
| Collateral |
52 | $7,533,000 |
$144,000 | $2,336,000 |
$134,000 | $1,825,000 |
| Credit Application Incomplete |
34 | $4,777,000 |
$140,000 | $1,000,000 |
$100,000 | $541,000 |
| Credit History |
173 | $12,130,000 |
$70,000 | $525,000 |
$48,000 | $250,000 |
| Debt-To-Income Ratio |
77 | $8,874,000 |
$115,000 | $600,000 |
$64,000 | $612,000 |
| Employment History |
5 | $444,000 |
$88,000 | $200,000 |
$89,000 | $220,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $610,000 |
$122,000 | $198,000 |
$82,000 | $176,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
182 | $18,758,000 |
$103,000 | $1,070,000 |
$74,000 | $660,000 |
| Unverifiable Information |
17 | $1,789,000 |
$105,000 | $249,000 |
$65,000 | $166,000 |
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