Karnes County, TX Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 220 mortgage applications in Karnes County, TX totaling $19.7 million, down 6% from 2008. The average application was for $89,000, and applicants reported an average income of $69,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank, NA, with 55 applications, followed by The Falls City National Bank and Randolph-Brooks Federal Credit Union.
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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 | 220 |
| Total Mortgage Loan Application Amount | $19,746,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $365,000 |
* 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 |
* | $ 538,958,000,000 | 55 | $ 3,564,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 136,230,000 | 19 | $ 1,157,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 3,144,302,000 | 14 | $ 1,764,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 13 | $ 1,244,000 |
| Coastal Bend Mortgage, Inc. 5656 S. STAPLES #200 CORPUS CHRISTI, TX 78411 |
* | $ 10,000,000 | 10 | $ 918,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 7 | $ 473,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 7 | $ 778,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 237,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 871,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 5 | $ 254,000 |
| Southtrust Bank NA PO BOX 2230 GEORGE WEST, TX 78022 |
* | $ 148,475,000 | 4 | $ 342,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 5,032,752,000 | 4 | $ 637,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 4 | $ 373,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 250,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 3 | $ 517,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 3 | $ 552,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 3 | $ 726,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 33,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 2 | $ 83,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 2 | $ 278,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 92,000 |
| Navy Army Ccu 5725 SPOHN DRIVE CORPUS, TX 78414 |
* | $ 723,959,000 | 2 | $ 81,000 |
| Texas Champion Bank P. O. BOX 270550 CORPUS CHRISTI, TX 78427 |
* | $ 311,878,000 | 2 | $ 18,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 10,638,109,000 | 2 | $ 29,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 191,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 219,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 95,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 345,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 8,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,432,212,000 | 1 | $ 100,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 696,729,000 | 1 | $ 35,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,049,192,000 | 1 | $ 69,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Southwest Stage Funding LLC 6816 EAST BROWN ROAD MESA, AZ 85207 |
* | $ 5,889,539,000 | 1 | $ 157,000 |
| Gardner Financial Services 1635 NE LOOP 410, SUITE 700 SAN ANTONIO, TX 78209 |
* | $ 2,563,000 | 1 | $ 284,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Capstar Lending, LLC 6836 AUSTIN CENTER BLVD #110 AUSTIN, TX 78717 |
* | $ 500,000 | 1 | $ 51,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 262,000 |
| Patriot Bank Mortgage 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 511,822,000 | 1 | $ 49,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,862,835,000 | 1 | $ 147,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 150,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,070,227,000 | 1 | $ 40,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 54,000 |
| Viewpoint Bankers Mortgage Inc 720 E. ARAPAHO RICHARDSON, TX 75081 |
* | $ 1,529,760,000 | 1 | $ 130,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 55,000 |
| American Bank of Texas, N.A. 418 N HIGHWAY 281 MARBLE FALLS, TX 78654 |
* | $ 689,067,000 | 1 | $ 7,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,579,951,000 | 1 | $ 35,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 322,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 300,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 5,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 171,486,000 | 1 | $ 83,000 |
The tables below break down 2009 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 2009
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 | 84 | $8,264,000 | $98,000 | $333,000 | $68,000 | $365,000 |
| Refinancing | 84 | $9,739,000 | $115,000 | $350,000 | $79,000 | $361,000 |
| Home Improvement | 52 | $1,743,000 | $33,000 | $292,000 | $54,000 | $139,000 |
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 | 122 | $12,817,000 | $105,000 | $350,000 | $83,000 | $365,000 |
| Hispanic | 57 | $3,606,000 | $63,000 | $196,000 | $50,000 | $173,000 |
| Not Provided | 23 | $2,037,000 | $88,000 | $224,000 | $72,000 | $191,000 |
| Not applicable | 13 | $1,151,000 | $88,000 | $274,000 | $29,000 | $211,000 |
| Black or African American | 4 | $106,000 | $26,000 | $38,000 | $39,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $29,000 | $29,000 | $29,000 | $32,000 | $32,000 |
| Asian | 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) | 167 | $14,200,000 | $85,000 | $350,000 | $77,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,326,000 | $107,000 | $262,000 | $43,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,003,000 | $71,000 | $86,000 | $21,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,217,000 | $152,000 | $274,000 | $94,000 | $212,000 |
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 | 93 | $8,199,000 | $88,000 | $322,000 | $77,000 | $361,000 |
| Application Denied By Financial Institution | 48 | $2,934,000 | $61,000 | $350,000 | $55,000 | $191,000 |
| Loan Purchased By The Institution | 37 | $4,272,000 | $115,000 | $333,000 | $55,000 | $212,000 |
| Application Withdrawn By Applicant | 24 | $2,077,000 | $86,000 | $284,000 | $67,000 | $328,000 |
| Application Approved But Not Accepted | 11 | $1,685,000 | $153,000 | $300,000 | $139,000 | $365,000 |
| File Closed For Incompleteness | 7 | $579,000 | $82,000 | $278,000 | $27,000 | $79,000 |
| 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 | 22 | $1,011,000 | $45,000 | $150,000 | $52,000 | $191,000 |
| Collateral | 7 | $546,000 | $78,000 | $175,000 | $74,000 | $173,000 |
| Debt-To-Income Ratio | 5 | $145,000 | $29,000 | $81,000 | $31,000 | $47,000 |
| Credit Application Incomplete | 2 | $100,000 | $50,000 | $58,000 | $88,000 | $119,000 |
| Other | 2 | $98,000 | $49,000 | $83,000 | $30,000 | $38,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $51,000 | $51,000 |
| 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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