Karnes County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 235 mortgage applications in Karnes County, TX totaling $20.7 million, down 39% from 2007. The average application was for $88,000, and applicants reported an average income of $62,000. 39% of applications resulted in an originated loan and 35% were denied. The most active lender was Wells Fargo Bank, NA, with 40 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Fin'l Texas, Inc.
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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 | 235 |
| Total Mortgage Loan Application Amount | $20,730,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $2,080,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $312,000 |
* 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 |
* | $ 467,861,000,000 | 40 | $ 2,643,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 16 | $ 1,274,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 16 | $ 655,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 13 | $ 555,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 12 | $ 1,295,000 |
| Coastal Bend Mortgage, Inc. 5656 S. STAPLES #200 CORPUS CHRISTI, TX 78411 |
* | $ 10,000,000 | 10 | $ 638,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 317,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 7 | $ 604,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 613,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 124,767,000 | 6 | $ 305,000 |
| Texas Champion Bank P. O. BOX 270550 CORPUS CHRISTI, TX 78427 |
* | $ 294,885,000 | 5 | $ 198,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 5 | $ 611,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 266,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 27,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 2,952,342,000 | 4 | $ 104,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 451,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 4 | $ 44,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 6,357,701,000 | 4 | $ 350,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 268,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 290,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 643,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 3 | $ 762,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 13,632,996,000 | 2 | $ 94,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 287,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 4,376,581,000 | 2 | $ 206,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 148,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Sterling Bank PO BOX 40333 HOUSTON, TX 77240 |
* | $ 4,538,396,000 | 2 | $ 2,208,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,368,462,000 | 2 | $ 75,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 2 | $ 197,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 160,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 627,779,000 | 2 | $ 56,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 487,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 136,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 74,000 |
| The Bank of Texas P O BOX 490 DEVINE, TX 78016 |
* | $ 60,140,000 | 1 | $ 32,000 |
| Sage Capital Bank, N. A. 1606 N SARAH DEWITT DRIVE GONZALES, TX 78629 |
* | $ 219,349,000 | 1 | $ 133,000 |
| American Bank of Texas, N.A. 418 N HIGHWAY 281 MARBLE FALLS, TX 78654 |
* | $ 668,839,000 | 1 | $ 30,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ 676,204,000 | 1 | $ 155,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 80,000 |
| Southwest Stage Funding LLC 6816 EAST BROWN ROAD MESA, AZ 85207 |
* | $ 5,889,539,000 | 1 | $ 131,000 |
| Gardner Financial Services 1635 NE LOOP 410, SUITE 700 SAN ANTONIO, TX 78209 |
* | $ 2,563,000 | 1 | $ 148,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 261,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 100,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 106,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 209,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 138,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 178,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 109,000 |
| Southtrust Bank NA PO BOX 2230 GEORGE WEST, TX 78022 |
* | $ 145,579,000 | 1 | $ 228,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 38,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 30,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 67,000 |
| First Victoria National Bank 101 S MAIN VICTORIA, TX 77901 |
* | $ 1,320,811,000 | 1 | $ 155,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 11,238,962,000 | 1 | $ 64,000 |
The tables below break down 2008 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 2008
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 94 | $9,124,000 | $97,000 | $280,000 | $59,000 | $312,000 |
| Home Improvement | 72 | $1,919,000 | $26,000 | $133,000 | $60,000 | $248,000 |
| Refinancing | 69 | $9,687,000 | $140,000 | $2,080,000 | $70,000 | $234,000 |
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 | 113 | $11,469,000 | $101,000 | $300,000 | $73,000 | $312,000 |
| Hispanic | 94 | $4,643,000 | $49,000 | $190,000 | $56,000 | $136,000 |
| Not applicable | 14 | $3,528,000 | $252,000 | $2,080,000 | $17,000 | $128,000 |
| Not Provided | 13 | $1,060,000 | $81,000 | $270,000 | $64,000 | $128,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $55,000 | $55,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 187 | $15,717,000 | $84,000 | $2,080,000 | $65,000 | $312,000 |
| FHA-insured (Federal Housing Administration) | 39 | $4,311,000 | $110,000 | $261,000 | $56,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $560,000 | $70,000 | $117,000 | $22,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 1 | $142,000 | $142,000 | $142,000 | $48,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 91 | $10,614,000 | $116,000 | $2,080,000 | $70,000 | $248,000 |
| Application Denied By Financial Institution | 82 | $4,629,000 | $56,000 | $280,000 | $63,000 | $312,000 |
| Loan Purchased By The Institution | 27 | $2,658,000 | $98,000 | $216,000 | $35,000 | $128,000 |
| Application Withdrawn By Applicant | 14 | $1,056,000 | $75,000 | $178,000 | $54,000 | $89,000 |
| Application Approved But Not Accepted | 11 | $1,047,000 | $95,000 | $300,000 | $69,000 | $134,000 |
| File Closed For Incompleteness | 10 | $726,000 | $72,000 | $173,000 | $69,000 | $108,000 |
| 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 | 27 | $920,000 | $34,000 | $209,000 | $55,000 | $145,000 |
| Collateral | 8 | $581,000 | $72,000 | $280,000 | $94,000 | $312,000 |
| Other | 7 | $553,000 | $79,000 | $136,000 | $67,000 | $109,000 |
| Debt-To-Income Ratio | 6 | $686,000 | $114,000 | $260,000 | $42,000 | $66,000 |
| Unverifiable Information | 2 | $330,000 | $165,000 | $253,000 | $127,000 | $160,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $90,000 | $81,000 | $130,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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