Kendall County
Texas · FIPS 48259
According to CFPB HMDA 2024 application volume among U.S. counties, Kendall County ranks #822 of 3,223, and #57 of 253 in Texas.
Mortgage lending activity in Kendall County, Texas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Kendall County, Texas lenders denied 311 of the applications reported here, financing the rest at an average note rate of 6.54%, with applicants self-reporting average annual income of $39K. 204 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.8x, meaning typical borrowers took on mortgages of about 11.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kendall County
In Kendall County, lead originator Pulte Mortgage LLC funded only 8.2% of 1,201 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Kendall County's 2,486 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kendall County's $461,271 average loan (deduped against volume peers).
Lenders active in Kendall County
Pulte Mortgage LLC funded 99 of the 1,201 loans originated in Kendall County, 8.2% of the county. 204 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Pulte Mortgage LLC | 99 | 8.2% |
| 2 | Kbhs Home Loans, LLC | 81 | 6.7% |
| 3 | Randolph-Brooks Federal Credit Union | 80 | 6.7% |
| 4 | Rocket Mortgage | 52 | 4.3% |
| 5 | United Wholesale Mortgage | 47 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Kendall County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Kendall County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.