The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2014
In 2014, The Bank & Trust of Bryan/College Station of Bryan, TX reported 192 mortgage applications totaling $47.0 million, down 10% from 2013. The average application was for $244,942, and applicants reported an average income of $124,416. 57% of its applications resulted in an originated loan and 2% were denied. Its largest markets were College Station-Bryan, TX (130), Houston-The Woodlands-Sugar Land, TX (4) and Austin-Round Rock, 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 | 192 |
| Total Mortgage Loan Application Amount | $47,029,000 |
| Average Mortgage Loan Application Amount | $244,942 |
| Highest Mortgage Loan Application Amount | $1,762,000 |
| Average Applicant Income | $124,416 |
| Highest Applicant Income | $531,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 164 | $40,056,000 | $244,000 | $1,762,000 | $125,000 | $531,000 |
| Refinancing | 14 | $3,744,000 | $267,000 | $1,332,000 | $93,000 | $332,000 |
| Home Improvement | 14 | $3,229,000 | $230,000 | $638,000 | $149,000 | $442,000 |
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 | 119 | $26,609,000 | $223,000 | $638,000 | $164,000 | $531,000 |
| Not applicable | 46 | $13,845,000 | $300,000 | $1,762,000 | $0 | $0 |
| Hispanic | 20 | $3,581,000 | $179,000 | $338,000 | $142,000 | $360,000 |
| Asian | 4 | $2,158,000 | $539,000 | $1,332,000 | $165,000 | $332,000 |
| Not Provided | 3 | $836,000 | $278,000 | $400,000 | $325,000 | $414,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 192 | $47,029,000 | $244,000 | $1,762,000 | $125,000 | $531,000 |
| 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 | 110 | $25,793,000 | $234,000 | $1,332,000 | $127,000 | $531,000 |
| Preapproval Approved but not Accepted | 38 | $9,027,000 | $237,000 | $417,000 | $144,000 | $414,000 |
| Application Approved But Not Accepted | 16 | $5,526,000 | $345,000 | $1,762,000 | $71,000 | $231,000 |
| Application Withdrawn By Applicant | 12 | $3,090,000 | $257,000 | $440,000 | $126,000 | $348,000 |
| Preapproval Denied by Financial Institution | 11 | $1,656,000 | $150,000 | $335,000 | $123,000 | $360,000 |
| Application Denied By Financial Institution | 4 | $1,359,000 | $339,000 | $420,000 | $116,000 | $255,000 |
| Loan Purchased By The Institution | 1 | $578,000 | $578,000 | $578,000 | $18,000 | $18,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $1,092,000 | $182,000 | $335,000 | $201,000 | $360,000 |
| Debt-To-Income Ratio | 4 | $775,000 | $193,000 | $325,000 | $33,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $586,000 | $293,000 | $404,000 | $164,000 | $255,000 |
| Other | 2 | $142,000 | $71,000 | $94,000 | $12,000 | $24,000 |
| Collateral | 1 | $420,000 | $420,000 | $420,000 | $129,000 | $129,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2014 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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