The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2008
In 2008, The Bank & Trust of Bryan/College Station of Bryan, TX reported 42 mortgage applications totaling $4.8 million. The average application was for $113,809, and applicants reported an average income of $102,833. 57% of its applications resulted in an originated loan and 26% were denied. Its largest market was College Station-Bryan, TX (33).
| 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 | 42 |
| Total Mortgage Loan Application Amount | $4,780,000 |
| Average Mortgage Loan Application Amount | $113,809 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $102,833 |
| Highest Applicant Income | $447,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The Bank & Trust of Bryan/College Station in 2008
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 | 31 | $3,426,000 | $110,000 | $633,000 | $87,000 | $348,000 |
| Refinancing | 8 | $1,245,000 | $155,000 | $750,000 | $130,000 | $380,000 |
| Home Improvement | 3 | $109,000 | $36,000 | $66,000 | $194,000 | $447,000 |
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 | 19 | $3,007,000 | $158,000 | $750,000 | $141,000 | $447,000 |
| Hispanic | 15 | $836,000 | $55,000 | $200,000 | $83,000 | $380,000 |
| Not Provided | 3 | $108,000 | $36,000 | $65,000 | $55,000 | $73,000 |
| Asian | 2 | $262,000 | $131,000 | $150,000 | $37,000 | $38,000 |
| Black or African American | 2 | $518,000 | $259,000 | $430,000 | $85,000 | $105,000 |
| Not applicable | 1 | $49,000 | $49,000 | $49,000 | $10,000 | $10,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 42 | $4,780,000 | $113,000 | $750,000 | $103,000 | $447,000 |
| 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 | 24 | $2,828,000 | $117,000 | $750,000 | $118,000 | $447,000 |
| Application Denied By Financial Institution | 11 | $916,000 | $83,000 | $200,000 | $61,000 | $108,000 |
| Application Withdrawn By Applicant | 4 | $238,000 | $59,000 | $165,000 | $81,000 | $134,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $25,000 | $25,000 |
| Application Approved But Not Accepted | 1 | $100,000 | $100,000 | $100,000 | $130,000 | $130,000 |
| Loan Purchased By The Institution | 1 | $633,000 | $633,000 | $633,000 | $348,000 | $348,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 8 | $616,000 | $77,000 | $200,000 | $68,000 | $108,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $63,000 | $63,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
| Unverifiable Information | 1 | $200,000 | $200,000 | $200,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2008 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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