Karnes County, TX Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 317 mortgage applications in Karnes County, TX totaling $20.3 million, down 33% from 2004. The average application was for $63,000, and applicants reported an average income of $53,000. 26% of applications resulted in an originated loan and 40% were denied. The most active lender was Wells Fargo Bank, NA, with 42 applications, followed by Vanderbilt Mortgage and Beneficial Company LLC.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 317 |
| Total Mortgage Loan Application Amount | $20,260,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $644,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $868,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 42 | $ 2,536,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 32 | $ 1,454,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 30 | $ 1,052,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 19 | $ 1,695,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 852,606,000 | 17 | $ 567,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 13 | $ 689,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 11 | $ 235,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 10 | $ 1,164,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 8 | $ 397,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 104,260,000 | 8 | $ 315,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 7 | $ 1,491,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 476,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 4 | $ 182,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 215,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 4 | $ 168,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 4 | $ 214,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 4 | $ 180,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 279,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 281,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 3 | $ 224,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 3 | $ 211,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 3 | $ 162,000 |
| Citizens Bank 301 E MAIN ST KILGORE, TX 75662 |
* | $ 221,543,000 | 3 | $ 95,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 2 | $ 130,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 2 | $ 24,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 2 | $ 83,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 2,234,066,000 | 2 | $ 694,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 2 | $ 64,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 358,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 2 | $ 88,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 2 | $ 49,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 2 | $ 125,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 188,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 3,588,543,000 | 2 | $ 165,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 175,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 110,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 125,000 |
| First Prefrence Mortgage Corp 800 WASHINGTON AVENUE WACO, TX 76701 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 116,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 85,000 |
| Summit Mortgage Corporation 11777 KATY FREEWAY, SUITE 570 HOUSTON, TX 77079 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Encore Bank NINE GREENWAY PLAZA SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,271,653,000 | 1 | $ 10,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 9,998,202,000 | 1 | $ 37,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 11,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 15,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 87,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 121,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 38,000 |
| Valley Mortgage/Tsb Mortgage 1319 NORTH 10TH STREET MCALLEN, TX 78501 |
* | $ 5,839,347,000 | 1 | $ 110,000 |
| Sterling Bank PO BOX 40333 HOUSTON, TX 77240 |
* | $ 3,346,734,000 | 1 | $ 200,000 |
| McMullen Bank 9324 HUEBNER ROAD SAN ANTONIO, TX 78240 |
* | $ 34,224,000 | 1 | $ 5,000 |
| First Community Bank 416 N WATER ST CORPUS CHRISTI, TX 78401 |
* | $ 113,401,000 | 1 | $ 183,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 3,477,922,000 | 1 | $ 37,000 |
| Trusttexas Bank, SSB 121 E COURTHOUSE ST, P O BOX 808 CUERO, TX 77954 |
* | $ 178,391,000 | 1 | $ 44,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 386,691,000 | 1 | $ 12,000 |
| Southtrust Bank NA PO BOX 2230 GEORGE WEST, TX 78022 |
* | $ 107,593,000 | 1 | $ 2,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 108,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 122,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 87,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 1 | $ 120,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 122,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 58,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 106,816,527,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 1 | $ 25,000 |
| Western National Bank 2700 W. COUNTY ROAD ODESSA, TX 79764 |
* | $ 523,463,000 | 1 | $ 192,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 228,609,000 | 1 | $ 147,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 1 | $ 50,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 20,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 100,000 |
| Statewide Bank 2008 RONALD REAGAN HIGHWAY COVINGTON, LA 70433 |
* | $ 98,133,000 | 1 | $ 39,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 2,692,610,000 | 1 | $ 99,000 |
The tables below break down 2005 mortgage applications in Karnes County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Karnes County, TX in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 138 | $9,567,000 | $69,000 | $307,000 | $50,000 | $625,000 |
| Home Purchase | 122 | $8,241,000 | $67,000 | $644,000 | $59,000 | $868,000 |
| Home Improvement | 57 | $2,452,000 | $43,000 | $370,000 | $49,000 | $97,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 145 | $11,102,000 | $76,000 | $644,000 | $65,000 | $868,000 |
| Hispanic | 98 | $4,723,000 | $48,000 | $196,000 | $44,000 | $161,000 |
| Not Provided | 42 | $2,896,000 | $68,000 | $281,000 | $50,000 | $168,000 |
| Not applicable | 23 | $990,000 | $43,000 | $120,000 | $5,000 | $50,000 |
| Black or African American | 9 | $549,000 | $61,000 | $307,000 | $40,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 294 | $18,490,000 | $62,000 | $644,000 | $56,000 | $868,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,486,000 | $78,000 | $147,000 | $18,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 4 | $284,000 | $71,000 | $110,000 | $51,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 127 | $5,838,000 | $45,000 | $200,000 | $48,000 | $420,000 |
| Loan Originated | 84 | $6,577,000 | $78,000 | $644,000 | $66,000 | $868,000 |
| Application Withdrawn By Applicant | 39 | $3,587,000 | $91,000 | $370,000 | $57,000 | $181,000 |
| Loan Purchased By The Institution | 34 | $2,017,000 | $59,000 | $216,000 | $22,000 | $94,000 |
| Application Approved But Not Accepted | 17 | $1,068,000 | $62,000 | $281,000 | $54,000 | $123,000 |
| File Closed For Incompleteness | 16 | $1,173,000 | $73,000 | $152,000 | $76,000 | $625,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 35 | $1,667,000 | $47,000 | $147,000 | $45,000 | $89,000 |
| Other | 16 | $872,000 | $54,000 | $120,000 | $67,000 | $420,000 |
| Collateral | 11 | $556,000 | $50,000 | $111,000 | $60,000 | $161,000 |
| Debt-To-Income Ratio | 9 | $595,000 | $66,000 | $200,000 | $45,000 | $189,000 |
| Credit Application Incomplete | 3 | $150,000 | $50,000 | $80,000 | $49,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $64,000 | $64,000 | $64,000 | $13,000 | $13,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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