Karnes County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 286 mortgage applications in Karnes County, TX totaling $32.2 million, up 8% from 2015. The average application was for $112,000, and applicants reported an average income of $77,000. 40% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 64 applications, followed by Wells Fargo Bank NA 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 | 286 |
| Total Mortgage Loan Application Amount | $32,165,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $711,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,114,000 |
* 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 | 64 | $ 4,405,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 28 | $ 1,884,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 6,991,326,000 | 26 | $ 2,644,000 |
| The Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ 346,153,000 | 14 | $ 1,435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,377,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 799,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 5 | $ 1,090,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 5 | $ 820,000 |
| Citizens Bank 301 E MAIN ST KILGORE, TX 75662 |
* | $ 383,646,000 | 4 | $ 40,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 558,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 4 | $ 267,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 4 | $ 730,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 705,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,025,607,000 | 3 | $ 460,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 3 | $ 588,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ 242,905,000 | 3 | $ 1,065,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 3 | $ 748,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 3 | $ 684,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 441,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 118,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 164,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 265,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 334,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 82,358,000 | 2 | $ 319,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 474,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 9,237,936,000 | 2 | $ 158,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 193,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 376,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 359,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 319,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 211,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 167,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 144,000 |
| The Blanco National Bank P O BOX 38 BLANCO, TX 78606 |
* | $ 184,452,000 | 2 | $ 306,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 667,544,000 | 1 | $ 77,000 |
| First Community Bank 416 N WATER ST CORPUS CHRISTI, TX 78401 |
* | $ 393,580,000 | 1 | $ 215,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 1 | $ 100,000 |
| Southtrust Bank NA PO BOX 2230 GEORGE WEST, TX 78022 |
* | $ 362,504,000 | 1 | $ 36,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 127,000 |
| Alamo Federal Credit Union 6577 FIRST PARK TEN BLVD SAN ANTONIO, TX 78213 |
* | $ 46,144,000 | 1 | $ 63,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 177,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 1,025,570,000 | 1 | $ 75,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ 2,361,365,000 | 1 | $ 114,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 237,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 238,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Synergy Federal Credit Union 1 VALERO WAY SAN ANTONIO, TX 78249 |
* | $ 217,607,000 | 1 | $ 53,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 16,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 159,043,000 | 1 | $ 382,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 173,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 5,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 220,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 109,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 309,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 219,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 217,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 5,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 72,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ 100,000,000 | 1 | $ 164,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ 1,000,000,000 | 1 | $ 179,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 148,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 382,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,412,242,000 | 1 | $ 40,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Texas Champion Bank P. O. BOX 270550 CORPUS CHRISTI, TX 78427 |
* | $ 381,486,000 | 1 | $ 40,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 50,000 |
The tables below break down 2016 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 2016
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 | 160 | $19,215,000 | $120,000 | $711,000 | $70,000 | $413,000 |
| Refinancing | 96 | $11,819,000 | $123,000 | $382,000 | $91,000 | $1,114,000 |
| Home Improvement | 30 | $1,131,000 | $37,000 | $255,000 | $68,000 | $153,000 |
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 | 125 | $17,454,000 | $139,000 | $711,000 | $95,000 | $1,114,000 |
| Hispanic | 124 | $10,418,000 | $84,000 | $362,000 | $68,000 | $255,000 |
| Not Provided | 17 | $2,063,000 | $121,000 | $328,000 | $77,000 | $173,000 |
| Not applicable | 16 | $2,002,000 | $125,000 | $382,000 | $15,000 | $90,000 |
| Black or African American | 2 | $97,000 | $48,000 | $53,000 | $43,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $44,000 | $44,000 | $44,000 | $39,000 | $39,000 |
| Asian | 1 | $87,000 | $87,000 | $87,000 | $72,000 | $72,000 |
| Native Hawaiin 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) | 229 | $23,582,000 | $102,000 | $711,000 | $81,000 | $1,114,000 |
| FHA-insured (Federal Housing Administration) | 44 | $6,382,000 | $145,000 | $251,000 | $65,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,925,000 | $175,000 | $362,000 | $60,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $276,000 | $138,000 | $218,000 | $32,000 | $65,000 |
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 | 114 | $14,609,000 | $128,000 | $711,000 | $83,000 | $413,000 |
| Application Denied By Financial Institution | 83 | $6,552,000 | $78,000 | $362,000 | $65,000 | $255,000 |
| File Closed For Incompleteness | 41 | $3,661,000 | $89,000 | $240,000 | $69,000 | $200,000 |
| Application Withdrawn By Applicant | 22 | $3,162,000 | $143,000 | $300,000 | $133,000 | $1,114,000 |
| Loan Purchased By The Institution | 21 | $3,544,000 | $168,000 | $382,000 | $50,000 | $144,000 |
| Application Approved But Not Accepted | 5 | $637,000 | $127,000 | $224,000 | $68,000 | $134,000 |
| 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 | 16 | $709,000 | $44,000 | $243,000 | $81,000 | $154,000 |
| Debt-To-Income Ratio | 4 | $219,000 | $54,000 | $82,000 | $47,000 | $68,000 |
| Collateral | 3 | $321,000 | $107,000 | $225,000 | $125,000 | $231,000 |
| Other | 2 | $189,000 | $94,000 | $107,000 | $49,000 | $99,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 1 | $61,000 | $61,000 | $61,000 | $89,000 | $89,000 |
| Employment History | 1 | $8,000 | $8,000 | $8,000 | $37,000 | $37,000 |
| 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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