Kinney County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 91 mortgage applications in Kinney County, TX totaling $11.0 million, down 26% from 2023. The average application was for $121,000, and applicants reported an average income of $87,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was The Bank & Trust, S.S.B., with 20 applications, followed by 21st Mortgage and Mortgage Research Center.
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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 | 91 |
| Total Mortgage Loan Application Amount | $11,045,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $271,000 |
Top Mortgage Lenders in Kinney County, TX (2024)
Ranked by the number of mortgage applications each lender reported in Kinney County, TX in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | The Bank & Trust, S.S.B. Del Rio, TX |
20 | $1,400,000 | $70,000 | $86,000 |
| 2 | 21st Mortgage Knoxville, TN |
17 | $1,745,000 | $102,000 | $75,000 |
| 3 | Mortgage Research Center Columbia, MO |
7 | $1,175,000 | $167,000 | $104,000 |
| 4 | PennyMac Loan Services LLC Westlake Village, CA |
5 | $1,125,000 | $225,000 | $0 |
| 5 | Fairway Independent Mort Corp Madison, WI |
3 | $355,000 | $118,000 | $64,000 |
| 6 | Plaza Home Mortgage, Inc San Diego, CA |
3 | $415,000 | $138,000 | $128,000 |
| 7 | Triad Financial Services, Inc. Jacksonville, FL |
3 | $225,000 | $75,000 | $44,000 |
| 8 | Navy Federal Credit Union Vienna, VA |
2 | $430,000 | $215,000 | $198,000 |
| 9 | Lakeview Loan Servicing, LLC Coral Gables, FL |
2 | $220,000 | $110,000 | $0 |
| 10 | USAA Federal Savings Bank San Antonio, TX |
2 | $260,000 | $130,000 | $162,000 |
The tables below break down 2024 mortgage applications in Kinney 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 Kinney 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 | 70 | $9,440,000 | $134,000 | $365,000 | $89,000 | $269,000 |
| Cash-out Refinancing | 9 | $875,000 | $97,000 | $125,000 | $93,000 | $271,000 |
| Other Purpose | 7 | $305,000 | $43,000 | $95,000 | $64,000 | $185,000 |
| Home Improvement | 4 | $170,000 | $42,000 | $55,000 | $92,000 | $164,000 |
| Refinancing | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 37 | $4,145,000 | $112,000 | $265,000 | $82,000 | $271,000 |
| White | 35 | $4,085,000 | $116,000 | $365,000 | $101,000 | $269,000 |
| Not applicable | 9 | $1,605,000 | $178,000 | $315,000 | $0 | $0 |
| Not Provided | 8 | $1,100,000 | $137,000 | $225,000 | $53,000 | $91,000 |
| Black or African American | 2 | $110,000 | $55,000 | $55,000 | $83,000 | $94,000 |
| 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) | 65 | $6,505,000 | $100,000 | $315,000 | $81,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,310,000 | $183,000 | $365,000 | $112,000 | $269,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,230,000 | $153,000 | $265,000 | $95,000 | $164,000 |
| 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 | 48 | $6,400,000 | $133,000 | $315,000 | $87,000 | $271,000 |
| Application Denied By Financial Institution | 19 | $1,465,000 | $77,000 | $255,000 | $91,000 | $269,000 |
| Loan Purchased By The Institution | 9 | $1,605,000 | $178,000 | $315,000 | $0 | $0 |
| Application Withdrawn By Applicant | 8 | $1,050,000 | $131,000 | $365,000 | $115,000 | $202,000 |
| Application Approved But Not Accepted | 4 | $240,000 | $60,000 | $105,000 | $51,000 | $75,000 |
| File Closed For Incompleteness | 3 | $285,000 | $95,000 | $175,000 | $44,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 58 | $8,350,000 | $143,000 | $365,000 | $87,000 | $271,000 |
| Debt-To-Income Ratio | 24 | $1,830,000 | $76,000 | $215,000 | $81,000 | $185,000 |
| Credit History | 4 | $440,000 | $110,000 | $255,000 | $68,000 | $90,000 |
| Collateral | 3 | $195,000 | $65,000 | $95,000 | $162,000 | $269,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $118,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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