The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2013
In 2013, The Bank & Trust of Bryan/College Station of Bryan, TX reported 214 mortgage applications totaling $56.8 million, up 42% from 2012. The average application was for $265,453, and applicants reported an average income of $132,626. 68% of its applications resulted in an originated loan and 8% were denied. Its largest markets were College Station-Bryan, TX (166), Houston-Sugar Land-Baytown, TX (4) and Austin-Round Rock-San Marcos, 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 | 214 |
| Total Mortgage Loan Application Amount | $56,807,000 |
| Average Mortgage Loan Application Amount | $265,453 |
| Highest Mortgage Loan Application Amount | $14,028,000 |
| Average Applicant Income | $132,626 |
| Highest Applicant Income | $1,759,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 46,945,000 | $ 282,801 | $ 134,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 968,000 | $ 242,000 | $ 96,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 880,000 | $ 293,333 | $ 295,000 |
| Fort Worth-Arlington, TX | 2 | $ 670,000 | $ 335,000 | $ 203,000 |
| Dallas-Plano-Irving, TX | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| San Antonio-New Braunfels, TX | 1 | $ 240,000 | $ 240,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for The Bank & Trust of Bryan/College Station in 2013
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 | 153 | $35,042,000 | $229,000 | $3,068,000 | $133,000 | $1,759,000 |
| Home Improvement | 33 | $16,832,000 | $510,000 | $14,028,000 | $89,000 | $314,000 |
| Refinancing | 28 | $4,933,000 | $176,000 | $544,000 | $182,000 | $1,623,000 |
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 | 164 | $28,969,000 | $176,000 | $845,000 | $164,000 | $1,759,000 |
| Not applicable | 37 | $26,090,000 | $705,000 | $14,028,000 | $0 | $0 |
| Hispanic | 10 | $1,094,000 | $109,000 | $320,000 | $65,000 | $150,000 |
| Black or African American | 2 | $237,000 | $118,000 | $132,000 | $93,000 | $141,000 |
| Asian | 1 | $417,000 | $417,000 | $417,000 | $679,000 | $679,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 214 | $56,807,000 | $265,000 | $14,028,000 | $133,000 | $1,759,000 |
| 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 | 146 | $45,189,000 | $309,000 | $14,028,000 | $149,000 | $1,759,000 |
| Preapproval Approved but not Accepted | 25 | $5,307,000 | $212,000 | $417,000 | $122,000 | $325,000 |
| Application Denied By Financial Institution | 17 | $2,369,000 | $139,000 | $417,000 | $76,000 | $162,000 |
| Application Withdrawn By Applicant | 12 | $2,204,000 | $183,000 | $417,000 | $116,000 | $215,000 |
| Preapproval Denied by Financial Institution | 7 | $954,000 | $136,000 | $177,000 | $77,000 | $136,000 |
| Application Approved But Not Accepted | 7 | $784,000 | $112,000 | $225,000 | $67,000 | $153,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $1,563,000 | $130,000 | $181,000 | $77,000 | $136,000 |
| Debt-To-Income Ratio | 9 | $1,284,000 | $142,000 | $251,000 | $57,000 | $159,000 |
| Collateral | 2 | $59,000 | $29,000 | $34,000 | $111,000 | $118,000 |
| Mortgage Insurance Denied | 1 | $417,000 | $417,000 | $417,000 | $162,000 | $162,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2013 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About