Karnes County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 314 mortgage applications in Karnes County, TX totaling $32.8 million, about the same as 2012. The average application was for $104,000, and applicants reported an average income of $87,000. 38% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 76 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 | 314 |
| Total Mortgage Loan Application Amount | $32,819,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $2,269,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $2,146,000 |
* 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 | 76 | $ 4,296,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 34 | $ 2,740,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 24 | $ 1,671,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 256,671,000 | 20 | $ 2,024,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 19 | $ 2,651,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 17 | $ 1,309,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 5,326,408,000 | 16 | $ 1,850,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 9 | $ 816,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 7 | $ 1,122,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 807,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 707,000 |
| Nixon State Bank 200 N NIXON AVE NIXON, TX 78140 |
* | $ 89,339,000 | 4 | $ 180,000 |
| Texas Champion Bank P. O. BOX 270550 CORPUS CHRISTI, TX 78427 |
* | $ 367,124,000 | 4 | $ 93,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 3 | $ 352,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 431,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 2 | $ 205,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 10,532,135,000 | 2 | $ 346,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 292,000 |
| Txl Mortgage Corporation 11931 WICKCHESTER LN STE 444 HOUSTON, TX 77043 |
* | $ 100,000,000 | 2 | $ 248,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 114,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 2 | $ 357,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 23,187,836,000 | 2 | $ 52,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 90,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 267,000 |
| Security Bank 600 N. MARIENFELD, STE 200 MIDLAND, TX 79701 |
* | $ 761,502,000 | 2 | $ 213,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 20,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 378,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 66,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 862,757,000 | 1 | $ 220,000 |
| Icon Bank of Texas, National Association 7906 N. SAM HOUSTON PKWY WEST HOUSTON, TX 77064 |
* | $ 430,246,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ 1,675,628,000 | 1 | $ 116,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 167,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 213,000 |
| Extraco Banks, NA 18 SOUTH MAIN STREET TEMPLE, TX 76502 |
* | $ 1,229,651,000 | 1 | $ 2,269,000 |
| First-Lockhart National Bank P O BOX 600 LOCKHART, TX 78644 |
* | $ 178,521,000 | 1 | $ 150,000 |
| American Bank, N.A. P O BOX 6469 CORPUS CHRISTI, TX 78466 |
* | $ 1,142,792,000 | 1 | $ 218,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 86,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,984,102,000 | 1 | $ 112,000 |
| Security State Bank & Trust 201 WEST MAIN STREET FREDERICKSBURG, TX 78624 |
* | $ 690,740,000 | 1 | $ 13,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ 1,117,604,000 | 1 | $ 96,000 |
| Citizens Bank 301 E MAIN ST KILGORE, TX 75662 |
* | $ 348,618,000 | 1 | $ 18,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,836,378,000 | 1 | $ 56,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 6,680,971,000 | 1 | $ 1,600,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 127,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 320,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 14,590,421,000 | 1 | $ 211,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 66,000 |
| American Finance House Lariba 15141 E WHITTIER BLVD, SUITE 400 WHITTIER, CA 90603 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 146,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 301,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 66,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 273,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 15,000 |
| The First National Bank of Beeville 1400 E. HOUSTON ST. BEEVILLE, TX 78102 |
* | $ 303,249,000 | 1 | $ 95,000 |
| First Community Bank 416 N WATER ST CORPUS CHRISTI, TX 78401 |
* | $ 342,288,000 | 1 | $ 31,000 |
| Trusttexas Bank, SSB 121 E COURTHOUSE ST, P O BOX 808 CUERO, TX 77954 |
* | $ 248,500,000 | 1 | $ 117,000 |
| Security State Bank 1000 N. OAK PEARSALL, TX 78061 |
* | $ 430,501,000 | 1 | $ 116,000 |
The tables below break down 2013 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 2013
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 | 210 | $22,027,000 | $104,000 | $2,269,000 | $86,000 | $1,800,000 |
| Refinancing | 69 | $9,155,000 | $132,000 | $320,000 | $105,000 | $2,146,000 |
| Home Improvement | 35 | $1,637,000 | $46,000 | $228,000 | $64,000 | $229,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 139 | $10,029,000 | $72,000 | $210,000 | $67,000 | $206,000 |
| White | 121 | $14,165,000 | $117,000 | $340,000 | $125,000 | $2,146,000 |
| Not Provided | 32 | $2,482,000 | $77,000 | $223,000 | $80,000 | $230,000 |
| Not applicable | 17 | $5,498,000 | $323,000 | $2,269,000 | $11,000 | $78,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $211,000 | $94,000 | $97,000 |
| Asian | 2 | $258,000 | $129,000 | $198,000 | $51,000 | $73,000 |
| Black or African American | 1 | $47,000 | $47,000 | $47,000 | $42,000 | $42,000 |
| 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) | 278 | $28,385,000 | $102,000 | $2,269,000 | $91,000 | $2,146,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,740,000 | $114,000 | $260,000 | $57,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,628,000 | $148,000 | $301,000 | $66,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $41,000 | $41,000 |
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 | 120 | $15,453,000 | $128,000 | $2,269,000 | $95,000 | $2,146,000 |
| Application Denied By Financial Institution | 120 | $9,385,000 | $78,000 | $255,000 | $70,000 | $724,000 |
| Application Approved But Not Accepted | 35 | $2,686,000 | $76,000 | $211,000 | $142,000 | $1,800,000 |
| Application Withdrawn By Applicant | 15 | $1,858,000 | $123,000 | $223,000 | $77,000 | $135,000 |
| Loan Purchased By The Institution | 15 | $2,129,000 | $141,000 | $320,000 | $53,000 | $128,000 |
| File Closed For Incompleteness | 9 | $1,308,000 | $145,000 | $228,000 | $83,000 | $150,000 |
| 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 | $2,620,000 | $74,000 | $204,000 | $77,000 | $217,000 |
| Debt-To-Income Ratio | 13 | $1,230,000 | $94,000 | $200,000 | $38,000 | $73,000 |
| Collateral | 6 | $686,000 | $114,000 | $213,000 | $107,000 | $206,000 |
| Other | 5 | $367,000 | $73,000 | $154,000 | $80,000 | $125,000 |
| Unverifiable Information | 3 | $306,000 | $102,000 | $216,000 | $55,000 | $71,000 |
| Credit Application Incomplete | 3 | $233,000 | $77,000 | $135,000 | $70,000 | $116,000 |
| Employment History | 2 | $76,000 | $38,000 | $41,000 | $32,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $132,000 | $66,000 | $69,000 | $28,000 | $57,000 |
| 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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