Karnes County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 315 mortgage applications in Karnes County, TX totaling $35.1 million, up 30% from 2011. The average application was for $111,000, and applicants reported an average income of $88,000. 40% of applications resulted in an originated loan and 34% were denied. The most active lender was 21st Mortgage, with 94 applications, followed by Wells Fargo Bank NA and Vanderbilt Mortgage and Finance, 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 | 315 |
| Total Mortgage Loan Application Amount | $35,056,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $3,923,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 94 | $ 4,756,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 30 | $ 2,223,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 26 | $ 1,909,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 24 | $ 3,453,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 199,173,000 | 24 | $ 2,441,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 20 | $ 1,208,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 4,834,204,000 | 15 | $ 1,219,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 7 | $ 793,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 4 | $ 549,000 |
| Southtrust Bank NA PO BOX 2230 GEORGE WEST, TX 78022 |
* | $ 230,188,000 | 4 | $ 595,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,816,225,000 | 3 | $ 1,348,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 185,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 3 | $ 614,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 3 | $ 541,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 595,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 496,000 |
| Security Bank 600 N. MARIENFELD, STE 200 MIDLAND, TX 79701 |
* | $ 671,267,000 | 2 | $ 300,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 320,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 474,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 19,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 299,000 |
| First Victoria National Bank 101 S MAIN VICTORIA, TX 77901 |
* | $ 1,911,275,000 | 2 | $ 78,000 |
| The First National Bank of Beeville 1400 E. HOUSTON ST. BEEVILLE, TX 78102 |
* | $ 278,259,000 | 2 | $ 1,006,000 |
| The Blanco National Bank P O BOX 38 BLANCO, TX 78606 |
* | $ 150,809,000 | 1 | $ 50,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,828,011,000 | 1 | $ 4,000,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 6,554,458,000 | 1 | $ 34,000 |
| Texas Champion Bank P. O. BOX 270550 CORPUS CHRISTI, TX 78427 |
* | $ 343,288,000 | 1 | $ 120,000 |
| United Sa Federal Credit Union 5500 UTSA BLVD SAN ANTONIO, TX 78249 |
* | $ 218,954,000 | 1 | $ 2,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 1 | $ 169,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ 949,387,000 | 1 | $ 250,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 39,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,514,363,000 | 1 | $ 73,000 |
| Synergy Federal Credit Union 1 VALERO WAY SAN ANTONIO, TX 78249 |
* | $ 158,808,000 | 1 | $ 315,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 78,000 |
| Icon Bank of Texas, National Association 7906 N. SAM HOUSTON PKWY WEST HOUSTON, TX 77064 |
* | $ 372,304,000 | 1 | $ 115,000 |
| Trusttexas Bank, SSB 121 E COURTHOUSE ST, P O BOX 808 CUERO, TX 77954 |
* | $ 212,280,000 | 1 | $ 152,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,788,680,000 | 1 | $ 44,000 |
| Arizona Bank & Trust 2036 E CAMELBACK RD PHOENIX, AZ 85016 |
* | $ 227,993,000 | 1 | $ 142,000 |
| Advantis Credit Union 10501 SE MAIN ST OREGON CITY, OR 97222 |
* | $ 864,530,000 | 1 | $ 72,000 |
| Public Employees Credit Union PO BOX 2205 AUSTIN, TX 78701 |
* | $ 268,015,000 | 1 | $ 47,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ 1,326,760,000 | 1 | $ 10,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 102,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 86,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 83,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 200,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 184,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 49,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 252,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 1,700,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 56,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 20,372,139,000 | 1 | $ 63,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 1 | $ 266,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 252,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 135,000 |
| Certified Funding, L.P. 17304 PRESTON RD STE 620 DALLAS, TX 75252 |
* | $ 10,000,000 | 1 | $ 47,000 |
The tables below break down 2012 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 2012
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 | 225 | $22,813,000 | $101,000 | $4,000,000 | $72,000 | $604,000 |
| Refinancing | 58 | $10,018,000 | $172,000 | $1,700,000 | $151,000 | $3,923,000 |
| Home Improvement | 32 | $2,225,000 | $69,000 | $761,000 | $79,000 | $226,000 |
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 | 138 | $15,502,000 | $112,000 | $520,000 | $95,000 | $604,000 |
| Hispanic | 120 | $8,075,000 | $67,000 | $315,000 | $64,000 | $243,000 |
| Not Provided | 43 | $4,853,000 | $112,000 | $1,700,000 | $158,000 | $3,923,000 |
| Not applicable | 13 | $6,623,000 | $509,000 | $4,000,000 | $0 | $0 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $37,000 | $37,000 |
| 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) | 290 | $32,280,000 | $111,000 | $4,000,000 | $91,000 | $3,923,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,924,000 | $106,000 | $259,000 | $56,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $745,000 | $149,000 | $168,000 | $41,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 2 | $107,000 | $53,000 | $56,000 | $41,000 | $82,000 |
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 | 127 | $18,304,000 | $144,000 | $4,000,000 | $86,000 | $604,000 |
| Application Denied By Financial Institution | 106 | $9,634,000 | $90,000 | $1,700,000 | $96,000 | $3,923,000 |
| Application Approved But Not Accepted | 54 | $3,605,000 | $66,000 | $253,000 | $84,000 | $395,000 |
| Application Withdrawn By Applicant | 10 | $1,369,000 | $136,000 | $250,000 | $58,000 | $150,000 |
| Loan Purchased By The Institution | 10 | $1,375,000 | $137,000 | $259,000 | $46,000 | $112,000 |
| File Closed For Incompleteness | 8 | $769,000 | $96,000 | $220,000 | $106,000 | $221,000 |
| 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 | 52 | $2,852,000 | $54,000 | $209,000 | $61,000 | $206,000 |
| Debt-To-Income Ratio | 20 | $3,709,000 | $185,000 | $1,700,000 | $233,000 | $3,923,000 |
| Collateral | 5 | $504,000 | $100,000 | $190,000 | $52,000 | $82,000 |
| Credit Application Incomplete | 5 | $494,000 | $98,000 | $216,000 | $74,000 | $130,000 |
| Other | 5 | $476,000 | $95,000 | $140,000 | $97,000 | $243,000 |
| Employment History | 3 | $168,000 | $56,000 | $72,000 | $61,000 | $82,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $203,000 | $203,000 |
| 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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