Karnes County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 264 mortgage applications in Karnes County, TX totaling $47.9 million, down 4% from 2023. The average application was for $181,000, and applicants reported an average income of $92,000. 37% of applications resulted in an originated loan and 26% were denied. The most active lender was 21st Mortgage, with 79 applications, followed by Triad Financial Services, Inc. and Falls City National Bank.
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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 | 264 |
| Total Mortgage Loan Application Amount | $47,890,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $2,155,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $853,000 |
* 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 |
* | $ n/a | 79 | $ 11,145,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 22 | $ 3,100,000 |
| Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ n/a | 16 | $ 2,530,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 9 | $ 1,375,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 8 | $ 1,070,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 1,250,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 8 | $ 1,490,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,500,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,140,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 965,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 360,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 260,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 570,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 4 | $ 1,200,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 485,000 |
| Pilgrim Mortgage LLC 1270 N LOOP 1604 E STE 1101 SAN ANTONIO, TX 78232 |
* | $ n/a | 3 | $ 1,135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 205,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 3 | $ 935,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 2 | $ 820,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 240,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 330,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 600,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 600,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 2 | $ 480,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 1,370,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 400,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 490,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 350,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 2 | $ 430,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 450,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 135,000 |
| Rb Mortgage LLC ONE RANDOLPH BROOKS PARKWAY LIVE OAK, TX 78233 |
* | $ n/a | 1 | $ 115,000 |
| Education First Federal Credit Union 7025 EASTEX FREEWAY BEAUMONT, TX 77706 |
* | $ n/a | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 505,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 85,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ n/a | 1 | $ 375,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 1 | $ 215,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 165,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ n/a | 1 | $ 355,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ n/a | 1 | $ 55,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 355,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 305,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 105,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 315,000 |
| The First National Bank of Bas 489 HIGHWAY 71 WEST (PO DRAWER F) BASTROP, TX 78602 |
* | $ n/a | 1 | $ 55,000 |
| Generations Community FCU 1100 NW LOOP 410 SUITE 800 CASTLE HILLS, TX 78213 |
* | $ n/a | 1 | $ 185,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 165,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 165,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 135,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 1 | $ 185,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 1 | $ 2,155,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ n/a | 1 | $ 355,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 135,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 185,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 115,000 |
| Gulf Coast Bank and Trust 200 SAINT CHARLES AVENUE NEW ORLEANS, LA 70130 |
* | $ n/a | 1 | $ 385,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 275,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 15,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 135,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ n/a | 1 | $ 85,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 285,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ n/a | 1 | $ 305,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 235,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 235,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 345,000 |
The tables below break down 2024 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 2024
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 | 204 | $35,240,000 | $172,000 | $855,000 | $87,000 | $853,000 |
| Cash-out Refinancing | 22 | $5,910,000 | $268,000 | $2,155,000 | $77,000 | $165,000 |
| Refinancing | 19 | $4,825,000 | $253,000 | $625,000 | $110,000 | $283,000 |
| Other Purpose | 9 | $965,000 | $107,000 | $205,000 | $144,000 | $270,000 |
| Home Improvement | 9 | $855,000 | $95,000 | $205,000 | $130,000 | $222,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
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 | 130 | $19,350,000 | $148,000 | $415,000 | $87,000 | $270,000 |
| White | 89 | $19,545,000 | $219,000 | $855,000 | $103,000 | $853,000 |
| Not applicable | 21 | $3,445,000 | $164,000 | $375,000 | $0 | $0 |
| Not Provided | 18 | $4,560,000 | $253,000 | $2,155,000 | $73,000 | $222,000 |
| Black or African American | 6 | $990,000 | $165,000 | $215,000 | $80,000 | $140,000 |
| 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) | 222 | $38,240,000 | $172,000 | $2,155,000 | $92,000 | $853,000 |
| FHA-insured (Federal Housing Administration) | 33 | $7,005,000 | $212,000 | $415,000 | $95,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,645,000 | $293,000 | $415,000 | $87,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 98 | $18,110,000 | $184,000 | $625,000 | $101,000 | $376,000 |
| Application Denied By Financial Institution | 68 | $11,140,000 | $163,000 | $405,000 | $73,000 | $270,000 |
| File Closed For Incompleteness | 34 | $5,080,000 | $149,000 | $355,000 | $77,000 | $166,000 |
| Application Withdrawn By Applicant | 31 | $8,015,000 | $258,000 | $2,155,000 | $104,000 | $244,000 |
| Loan Purchased By The Institution | 19 | $3,045,000 | $160,000 | $375,000 | $0 | $0 |
| Application Approved But Not Accepted | 12 | $1,760,000 | $146,000 | $255,000 | $74,000 | $159,000 |
| Preapproval Approved but not Accepted | 1 | $655,000 | $655,000 | $655,000 | $853,000 | $853,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $106,000 | $106,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 177 | $33,905,000 | $191,000 | $2,155,000 | $98,000 | $853,000 |
| Debt-To-Income Ratio | 44 | $7,060,000 | $160,000 | $445,000 | $74,000 | $247,000 |
| Credit History | 30 | $4,370,000 | $145,000 | $315,000 | $86,000 | $270,000 |
| Collateral | 6 | $1,440,000 | $240,000 | $355,000 | $99,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $710,000 | $177,000 | $365,000 | $90,000 | $126,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $150,000 | $150,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $139,000 | $139,000 |
| Unverifiable Information | 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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