The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2012
In 2012, The Bank & Trust of Bryan/College Station of Bryan, TX reported 151 mortgage applications totaling $36.0 million, up 12% from 2011. The average application was for $238,218, and applicants reported an average income of $127,814. 60% of its applications resulted in an originated loan and 11% were denied. Its largest markets were College Station-Bryan, TX (118), Houston-Sugar Land-Baytown, TX (4) and Fort Worth-Arlington, TX (1) (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 | 151 |
| Total Mortgage Loan Application Amount | $35,971,000 |
| Average Mortgage Loan Application Amount | $238,218 |
| Highest Mortgage Loan Application Amount | $4,560,000 |
| Average Applicant Income | $127,814 |
| Highest Applicant Income | $1,707,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| College Station-Bryan, TX | 118 | $ 29,248,000 | $ 247,864 | $ 125,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 610,000 | $ 152,500 | $ 118,000 |
| Fort Worth-Arlington, TX | 1 | $ 112,000 | $ 112,000 | $ 86,000 |
| Waco, TX | 1 | $ 116,000 | $ 116,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for The Bank & Trust of Bryan/College Station in 2012
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 | 94 | $25,382,000 | $270,000 | $4,560,000 | $123,000 | $1,707,000 |
| Refinancing | 34 | $7,931,000 | $233,000 | $1,327,000 | $164,000 | $1,097,000 |
| Home Improvement | 23 | $2,658,000 | $115,000 | $608,000 | $94,000 | $317,000 |
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 | 103 | $25,187,000 | $244,000 | $4,560,000 | $168,000 | $1,707,000 |
| Not applicable | 22 | $8,066,000 | $366,000 | $2,416,000 | $0 | $0 |
| Hispanic | 17 | $1,463,000 | $86,000 | $159,000 | $67,000 | $207,000 |
| Asian | 6 | $1,023,000 | $170,000 | $236,000 | $136,000 | $573,000 |
| Black or African American | 1 | $52,000 | $52,000 | $52,000 | $39,000 | $39,000 |
| Not Provided | 1 | $99,000 | $99,000 | $99,000 | $28,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $81,000 | $81,000 | $81,000 | $46,000 | $46,000 |
| 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) | 151 | $35,971,000 | $238,000 | $4,560,000 | $128,000 | $1,707,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 90 | $24,083,000 | $267,000 | $4,560,000 | $156,000 | $1,707,000 |
| Application Denied By Financial Institution | 16 | $3,205,000 | $200,000 | $750,000 | $67,000 | $191,000 |
| Application Withdrawn By Applicant | 15 | $2,388,000 | $159,000 | $600,000 | $87,000 | $199,000 |
| Application Approved But Not Accepted | 12 | $2,974,000 | $247,000 | $821,000 | $99,000 | $325,000 |
| Preapproval Approved but not Accepted | 9 | $1,584,000 | $176,000 | $400,000 | $117,000 | $309,000 |
| Preapproval Denied by Financial Institution | 8 | $1,113,000 | $139,000 | $293,000 | $68,000 | $99,000 |
| Loan Purchased By The Institution | 1 | $624,000 | $624,000 | $624,000 | $148,000 | $148,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,434,000 | $143,000 | $350,000 | $38,000 | $85,000 |
| Credit History | 9 | $1,096,000 | $121,000 | $293,000 | $73,000 | $99,000 |
| Collateral | 2 | $854,000 | $427,000 | $750,000 | $174,000 | $191,000 |
| Credit Application Incomplete | 1 | $99,000 | $99,000 | $99,000 | $0 | $0 |
| Other | 1 | $719,000 | $719,000 | $719,000 | $191,000 | $191,000 |
| Employment History | 1 | $116,000 | $116,000 | $116,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2012 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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