Kendall County
Texas · FIPS 48259
According to CFPB HMDA 2024 application volume among U.S. counties, Kendall County ranks #813 of 3,210, 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 saw 2,486 HMDA-reported mortgage applications in 2024. Lenders originated 1,201 of those loans and denied 311, producing a denial rate of 12.5% and an approval (origination) rate of 48.3%. The average loan amount was $461,271 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% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Kendall County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Kendall County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.