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| Location |
Kerr County TX
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,807 |
| Total Amount of All Mortgage Loans Applied For | $246,710,000 |
| Average Mortgage Loan Amount Applied For | $136,000 |
| Highest Mortgage Loan Amount Applied For | $1,625,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $4,379,000 |
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| Home Improvement |
287 | $18,563,000 |
$64,000 | $417,000 |
$69,000 | $1,200,000 |
| Home Purchase |
788 | $121,593,000 |
$154,000 | $1,625,000 |
$112,000 | $4,379,000 |
| Refinancing |
732 | $106,554,000 |
$145,000 | $607,000 |
$82,000 | $2,400,000 |
|
| American Indian or Alaskan Native |
12 | $1,593,000 |
$132,000 | $232,000 |
$56,000 | $168,000 |
| Asian |
9 | $1,207,000 |
$134,000 | $320,000 |
$82,000 | $132,000 |
| Black or African American |
13 | $1,924,000 |
$148,000 | $560,000 |
$87,000 | $248,000 |
| Hispanic |
214 | $19,018,000 |
$88,000 | $417,000 |
$56,000 | $463,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $732,000 |
$183,000 | $275,000 |
$54,000 | $129,000 |
| Not applicable |
122 | $18,817,000 |
$154,000 | $1,625,000 |
$40,000 | $394,000 |
| Not Provided |
189 | $25,643,000 |
$135,000 | $548,000 |
$135,000 | $4,379,000 |
| White |
1,244 | $177,776,000 |
$142,000 | $1,200,000 |
$99,000 | $2,578,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,624 | $222,792,000 |
$137,000 | $1,625,000 |
$98,000 | $4,379,000 |
| FHA-insured (Federal Housing Administration) |
134 | $17,732,000 |
$132,000 | $275,000 |
$54,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
18 | $2,019,000 |
$112,000 | $182,000 |
$38,000 | $79,000 |
| VA-guaranteed (Veterans Administration) |
31 | $4,167,000 |
$134,000 | $260,000 |
$37,000 | $89,000 |
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| Application Approved But Not Accepted |
114 | $15,938,000 |
$139,000 | $780,000 |
$111,000 | $994,000 |
| Application Denied By Financial Institution |
433 | $44,685,000 |
$103,000 | $580,000 |
$94,000 | $4,379,000 |
| Application Withdrawn By Applicant |
168 | $22,210,000 |
$132,000 | $602,000 |
$82,000 | $450,000 |
| File Closed For Incompleteness |
38 | $5,161,000 |
$135,000 | $412,000 |
$161,000 | $2,400,000 |
| Loan Originated |
796 | $121,864,000 |
$153,000 | $1,625,000 |
$99,000 | $2,578,000 |
| Loan Purchased By The Institution |
257 | $36,823,000 |
$143,000 | $417,000 |
$61,000 | $1,096,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
1 | $29,000 |
$29,000 | $29,000 |
$72,000 | $72,000 |
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| Collateral |
42 | $7,085,000 |
$168,000 | $539,000 |
$306,000 | $4,379,000 |
| Credit Application Incomplete |
23 | $3,900,000 |
$169,000 | $493,000 |
$128,000 | $1,200,000 |
| Credit History |
112 | $6,219,000 |
$55,000 | $316,000 |
$51,000 | $277,000 |
| Debt-To-Income Ratio |
53 | $5,354,000 |
$101,000 | $417,000 |
$50,000 | $495,000 |
| Employment History |
5 | $496,000 |
$99,000 | $175,000 |
$66,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $411,000 |
$137,000 | $235,000 |
$70,000 | $134,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
50 | $5,523,000 |
$110,000 | $500,000 |
$122,000 | $977,000 |
| Unverifiable Information |
13 | $1,733,000 |
$133,000 | $275,000 |
$88,000 | $340,000 |
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