The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2016
In 2016, The Bank & Trust of Bryan/College Station of Bryan, TX reported 165 mortgage applications totaling $41.0 million, up 15% from 2015. The average application was for $248,654, and applicants reported an average income of $116,309. 58% of its applications resulted in an originated loan and 6% were denied. Its largest markets were College Station-Bryan, TX (118), Houston-The Woodlands-Sugar Land, TX (5) and Austin-Round Rock, TX (2) (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 | 165 |
| Total Mortgage Loan Application Amount | $41,028,000 |
| Average Mortgage Loan Application Amount | $248,654 |
| Highest Mortgage Loan Application Amount | $1,512,000 |
| Average Applicant Income | $116,309 |
| Highest Applicant Income | $672,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 132 | $34,385,000 | $260,000 | $1,512,000 | $114,000 | $672,000 |
| Refinancing | 21 | $5,260,000 | $250,000 | $608,000 | $119,000 | $415,000 |
| Home Improvement | 12 | $1,383,000 | $115,000 | $220,000 | $137,000 | $325,000 |
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 | $24,072,000 | $233,000 | $684,000 | $152,000 | $672,000 |
| Not applicable | 41 | $12,476,000 | $304,000 | $1,512,000 | $0 | $0 |
| Hispanic | 9 | $1,596,000 | $177,000 | $351,000 | $162,000 | $308,000 |
| Not Provided | 8 | $1,918,000 | $239,000 | $417,000 | $219,000 | $468,000 |
| Asian | 2 | $308,000 | $154,000 | $230,000 | $42,000 | $84,000 |
| Black or African American | 2 | $658,000 | $329,000 | $417,000 | $120,000 | $241,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 161 | $40,363,000 | $250,000 | $1,512,000 | $118,000 | $672,000 |
| FHA-insured (Federal Housing Administration) | 4 | $665,000 | $166,000 | $241,000 | $36,000 | $60,000 |
| 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 | 95 | $25,130,000 | $264,000 | $1,512,000 | $116,000 | $672,000 |
| Preapproval Approved but not Accepted | 27 | $6,996,000 | $259,000 | $417,000 | $133,000 | $398,000 |
| Application Approved But Not Accepted | 18 | $4,099,000 | $227,000 | $684,000 | $172,000 | $468,000 |
| Application Denied By Financial Institution | 10 | $1,878,000 | $187,000 | $379,000 | $78,000 | $120,000 |
| Preapproval Denied by Financial Institution | 9 | $1,086,000 | $120,000 | $241,000 | $52,000 | $147,000 |
| Application Withdrawn By Applicant | 6 | $1,839,000 | $306,000 | $500,000 | $45,000 | $244,000 |
| 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 | 10 | $1,573,000 | $157,000 | $333,000 | $49,000 | $111,000 |
| Credit History | 6 | $1,239,000 | $206,000 | $379,000 | $103,000 | $147,000 |
| Credit Application Incomplete | 2 | $79,000 | $39,000 | $78,000 | $38,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $73,000 | $73,000 | $73,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2016 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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