Texas · HMDA 2025
Mortgage lenders in Karnes County, TX
83 lenders reported 304 home-loan applications in Karnes County in 2025. 123 closed as loans ($25.9M), 63 were denied — a 29.4% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 34% of applications, led by 21st Mortgage Corporation. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 304
- Loans originated
- 123
- Purchase / refinance
- 79 / 32
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Karnes County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 54 | 17.8% | — |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 27 | 8.9% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 6.9% | — |
| 4 | Loandepot.Com, LLC | 16 | 5.3% | — |
| 5 | RANDOLPH-BROOKS FEDERAL CREDIT UNION 76 out of 100, Strong | 16 | 5.3% | 14.3% |
| 6 | The Falls City National Bank 69 out of 100, Moderate | 14 | 4.6% | 1.8% |
| 7 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 10 | 3.3% | 74.7% |
| 8 | NEWREZ LLC | 9 | 3.0% | — |
| 9 | Rocket Mortgage, LLC | 7 | 2.3% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 2.0% | — |
| 11 | UNITED BUILT HOMES, L.L.C. | 6 | 2.0% | — |
| 12 | Mortgage Research Center, LLC | 5 | 1.6% | — |
| 13 | SWBC MORTGAGE CORPORATION | 5 | 1.6% | — |
| 14 | Farm Credit Mid-America | 5 | 1.6% | — |
| 15 | Broker Solutions, Inc. | 4 | 1.3% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.3% | — |
| 17 | SOUTHWEST STAGE FUNDING, LLC | 4 | 1.3% | — |
| 18 | PILGRIM MORTGAGE LLC | 4 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.0% | 14.1% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 1.0% | 22.2% |
| 21 | ROGUE CREDIT UNION 67 out of 100, Moderate | 3 | 1.0% | 13.2% |
| 22 | NATIONSTAR MORTGAGE LLC | 3 | 1.0% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 3 | 1.0% | — |
| 24 | FirstBank 59 out of 100, Moderate | 3 | 1.0% | 42.8% |
| 25 | Fairway Independent Mortgage Corporation | 2 | 0.7% | — |
| 26 | PENNYMAC LOAN SERVICES, LLC | 2 | 0.7% | — |
| 27 | AmeriSave Mortgage Corporation | 2 | 0.7% | — |
| 28 | GUILD MORTGAGE COMPANY | 2 | 0.7% | — |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.7% | 44.7% |
| 30 | PLANET HOME LENDING, LLC | 2 | 0.7% | — |
| 31 | Gateway First Bank 54 out of 100, Below average | 2 | 0.7% | 5.3% |
| 32 | SECURITY SERVICE FEDERAL CREDIT UNION 61 out of 100, Moderate | 2 | 0.7% | 30.8% |
| 33 | FREEDOM MORTGAGE CORPORATION | 2 | 0.7% | — |
| 34 | GoodLeap, LLC | 2 | 0.7% | — |
| 35 | CMG MORTGAGE, INC. | 1 | 0.3% | — |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.3% | 32.9% |
| 37 | Truist Bank 63 out of 100, Moderate | 1 | 0.3% | 40.8% |
| 38 | GUARANTEED RATE, INC. | 1 | 0.3% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.3% | — |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.3% | 33.8% |
Top 40 of 83 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Texas
- Harris County 136,651 apps
- Bexar County 80,138 apps
- Tarrant County 70,673 apps
- Dallas County 66,728 apps
- Collin County 61,647 apps
- Denton County 51,801 apps
- Montgomery County 43,065 apps
- Travis County 40,887 apps
- Fort Bend County 37,670 apps
- Williamson County 34,119 apps
- El Paso County 27,236 apps
- Hidalgo County 20,066 apps