The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2019
In 2019, The Bank & Trust of Bryan/College Station of Bryan, TX reported 160 mortgage applications totaling $43.5 million, down 24% from 2018. The average application was for $272,062, and applicants reported an average income of $160,118. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were College Station-Bryan, TX (123), Houston-The Woodlands-Sugar Land, TX (5) and Beaumont-Port Arthur, TX (3) (applications in parentheses).
| Mortgage Company & Address | The Bank & Trust of Bryan/College Station 1716 Briarcrest, Suite 400 Bryan, TX 77802 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 160 |
| Total Mortgage Loan Application Amount | $43,530,000 |
| Average Mortgage Loan Application Amount | $272,062 |
| Highest Mortgage Loan Application Amount | $2,315,000 |
| Average Applicant Income | $160,118 |
| Highest Applicant Income | $912,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brazos, Texas | 116 | $ 30,830,000 | $ 265,775 | $ 154,000 |
| Grimes, Texas | 8 | $ 2,360,000 | $ 295,000 | $ 147,000 |
| Burleson, Texas | 6 | $ 1,750,000 | $ 291,666 | $ 137,000 |
| Montgomery, Texas | 3 | $ 625,000 | $ 208,333 | $ 50,000 |
| Orange, Texas | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Harris, Texas | 2 | $ 180,000 | $ 90,000 | $ 70,000 |
| Burnet, Texas | 1 | $ 485,000 | $ 485,000 | $ 192,000 |
| Gillespie, Texas | 1 | $ 635,000 | $ 635,000 | $ 321,000 |
| Robertson, Texas | 1 | $ 515,000 | $ 515,000 | $ 202,000 |
| Rusk, Texas | 1 | $ 105,000 | $ 105,000 | $ 498,000 |
| San Saba, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Smith, Texas | 1 | $ 805,000 | $ 805,000 | $ 912,000 |
| Travis, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Wood, Texas | 1 | $ 655,000 | $ 655,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Bank & Trust of Bryan/College Station in 2019
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 | 121 | $37,335,000 | $308,000 | $2,315,000 | $161,000 | $912,000 |
| Cash-out Refinancing | 16 | $3,240,000 | $202,000 | $525,000 | $157,000 | $396,000 |
| Home Improvement | 13 | $1,165,000 | $89,000 | $275,000 | $180,000 | $498,000 |
| Refinancing | 6 | $1,150,000 | $191,000 | $355,000 | $147,000 | $393,000 |
| Other Purpose | 4 | $640,000 | $160,000 | $215,000 | $101,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 104 | $27,220,000 | $261,000 | $895,000 | $173,000 | $912,000 |
| Not applicable | 32 | $11,660,000 | $364,000 | $2,315,000 | $0 | $0 |
| Hispanic | 11 | $1,825,000 | $165,000 | $445,000 | $76,000 | $198,000 |
| Not Provided | 10 | $1,730,000 | $173,000 | $355,000 | $126,000 | $360,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $29,000 | $29,000 |
| Asian | 1 | $855,000 | $855,000 | $855,000 | $247,000 | $247,000 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $83,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 158 | $43,000,000 | $272,000 | $2,315,000 | $161,000 | $912,000 |
| FHA-insured (Federal Housing Administration) | 1 | $245,000 | $245,000 | $245,000 | $61,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 1 | $285,000 | $285,000 | $285,000 | $118,000 | $118,000 |
| 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 | 120 | $34,030,000 | $283,000 | $2,315,000 | $173,000 | $912,000 |
| Application Denied By Financial Institution | 11 | $2,345,000 | $213,000 | $855,000 | $138,000 | $360,000 |
| Preapproval Approved but not Accepted | 10 | $2,830,000 | $283,000 | $705,000 | $141,000 | $293,000 |
| Application Approved But Not Accepted | 9 | $2,075,000 | $230,000 | $555,000 | $125,000 | $231,000 |
| Application Withdrawn By Applicant | 6 | $1,040,000 | $173,000 | $335,000 | $111,000 | $172,000 |
| Preapproval Denied by Financial Institution | 4 | $1,210,000 | $302,000 | $665,000 | $135,000 | $382,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 145 | $39,975,000 | $275,000 | $2,315,000 | $163,000 | $912,000 |
| Credit History | 8 | $1,490,000 | $186,000 | $665,000 | $135,000 | $382,000 |
| Collateral | 4 | $1,510,000 | $377,000 | $855,000 | $172,000 | $247,000 |
| Debt-To-Income Ratio | 3 | $555,000 | $185,000 | $215,000 | $95,000 | $138,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Bank & Trust of Bryan/College Station's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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