The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2011
In 2011, The Bank & Trust of Bryan/College Station of Bryan, TX reported 135 mortgage applications totaling $33.4 million, up 29% from 2010. The average application was for $247,748, and applicants reported an average income of $192,288. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were College Station-Bryan, TX (112), Austin-Round Rock-San Marcos, TX (4) and Houston-Sugar Land-Baytown, 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 | 135 |
| Total Mortgage Loan Application Amount | $33,446,000 |
| Average Mortgage Loan Application Amount | $247,748 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $192,288 |
| Highest Applicant Income | $5,580,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 78 | $22,833,000 | $292,000 | $1,450,000 | $166,000 | $1,018,000 |
| Home Improvement | 39 | $6,312,000 | $161,000 | $1,500,000 | $125,000 | $578,000 |
| Refinancing | 18 | $4,301,000 | $238,000 | $1,000,000 | $452,000 | $5,580,000 |
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 | 93 | $19,560,000 | $210,000 | $1,122,000 | $254,000 | $5,580,000 |
| Not applicable | 25 | $10,946,000 | $437,000 | $1,500,000 | $0 | $0 |
| Hispanic | 9 | $791,000 | $87,000 | $342,000 | $109,000 | $284,000 |
| Black or African American | 4 | $1,007,000 | $251,000 | $700,000 | $85,000 | $212,000 |
| Not Provided | 2 | $245,000 | $122,000 | $203,000 | $41,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $702,000 | $702,000 | $702,000 | $893,000 | $893,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 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) | 135 | $33,446,000 | $247,000 | $1,500,000 | $193,000 | $5,580,000 |
| 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 | 100 | $22,799,000 | $227,000 | $1,500,000 | $189,000 | $5,580,000 |
| Application Denied By Financial Institution | 13 | $2,821,000 | $217,000 | $1,040,000 | $69,000 | $221,000 |
| Application Approved But Not Accepted | 11 | $4,910,000 | $446,000 | $1,122,000 | $399,000 | $1,018,000 |
| Application Withdrawn By Applicant | 8 | $2,222,000 | $277,000 | $555,000 | $194,000 | $486,000 |
| Preapproval Denied by Financial Institution | 2 | $460,000 | $230,000 | $265,000 | $101,000 | $145,000 |
| Preapproval Approved but not Accepted | 1 | $234,000 | $234,000 | $234,000 | $54,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $1,412,000 | $235,000 | $1,000,000 | $26,000 | $82,000 |
| Credit History | 5 | $460,000 | $92,000 | $265,000 | $102,000 | $197,000 |
| Other | 3 | $1,275,000 | $425,000 | $1,040,000 | $117,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $134,000 | $134,000 | $134,000 | $82,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2011 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