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Kendall County, Texas
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,018 mortgage applications in Kendall County, Texas, for 2024, and originated 1,208 loans worth $584m.
That is 68.1 originations per 1,000 households, against 45.0 for Texas and 48.0 nationally.
The county's denial rate was 19.5%, below the state rate of 26.0%. The median rate spread on originated loans was 0.0 percentage points and 7.2% of originations were 1.5 points or more above the average prime offer rate.
18 lenders reached 25 applications in the county; the most active by originations were Pulte Mortgage LLC (99), Kbhs Home Loans, LLC (81) and Randolph-Brooks Federal Credit Union (80).
Originations were up 14% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Pulte Mortgage LLC | 154 | 99 | $38m | 20.6% | — |
| 2 | Kbhs Home Loans, LLC | 114 | 81 | $27m | 8.0% | — |
| 3 | Randolph-Brooks Federal Credit Union | 127 | 80 | $16m | 6.0% | — |
| 4 | Rocket Mortgage | 72 | 52 | $22m | 14.5% | — |
| 5 | United Wholesale Mortgage | 63 | 47 | $21m | 11.1% | — |
| 6 | Security Service | 91 | 46 | $14m | 27.7% | — |
| 7 | Frost Bank | 77 | 35 | $14m | 42.4% | — |
| 8 | Primelending | 38 | 30 | $17m | 3.2% | — |
| 9 | Parkstone Mortgage, LLC | 30 | 25 | $14m | 0.0% | — |
| 10 | Gardner Financial Services | 30 | 24 | $11m | 0.0% | — |
| 11 | Jefferson Bank | 31 | 23 | $12m | 6.5% | — |
| 12 | Guild Mortgage Company | 30 | 20 | $8.0m | — | — |
| 13 | Cornerstone Capital Bank, Ssb | 26 | 18 | $9.8m | — | — |
| 14 | Pennymac Loan Services LLC | 32 | 17 | $7.7m | — | — |
| 15 | Navy Federal Credit Union | 36 | 14 | $7.0m | 46.2% | — |
| 16 | Bank of America NA | 33 | 11 | $2.9m | — | — |
| 17 | 21st Mortgage | 34 | 8 | $880k | — | — |
| 18 | Discover Bank | 33 | 7 | $1.0m | 74.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 18. Denial rate is denials over decided applications in this county.
Compared with Texas and the nation
| Measure | This county | Texas | United States |
|---|---|---|---|
| Denial rate | 19.5% | 26.0% | 24.3% |
| Median rate spread, pp | 0.0 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.2% | 11.8% | 15.6% |
| Average originated loan | $483k | $350k | $329k |
| Originations per 1,000 households | 68.1 | 45.0 | 48.0 |
| Home purchase share of originations | 69.0% | 72.8% | 57.0% |
| FHA-insured share | 9.8% | 19.8% | 13.4% |
| VA-guaranteed share | 12.9% | 10.4% | 7.9% |
Rate spread distribution
Share of 1,136 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Texas). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 69% (833)Home improvement 3% (37)Refinancing 9% (105)Cash-out refinancing 13% (156)Other purpose 6% (77)
By type
Conventional 77% (933)FHA 10% (118)VA 13% (156)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyTexas
Questions and answers
Which lenders are most active in Kendall County, TX?
By 2024 originations: Pulte Mortgage LLC (99), Kbhs Home Loans, LLC (81), Randolph-Brooks Federal Credit Union (80), Rocket Mortgage (52), United Wholesale Mortgage (47). 18 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Kendall County?
19.5% of decided applications were denied in 2024, against 26.0% across Texas and 24.3% nationally.
How many mortgages were originated in Kendall County in 2024?
1,208 loans totalling $584m, from 2,018 applications; 68.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 48259; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.