The Bank & Trust of Bryan/College Station Mortgage Lending & HMDA Data, 2017
In 2017, The Bank & Trust of Bryan/College Station of Bryan, TX reported 174 mortgage applications totaling $69.9 million, up 5% from 2016. The average application was for $401,965, and applicants reported an average income of $143,252. 68% of its applications resulted in an originated loan and 4% were denied. Its largest markets were College Station-Bryan, TX (122), Houston-The Woodlands-Sugar Land, TX (5) and Killeen-Temple, 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 | 174 |
| Total Mortgage Loan Application Amount | $69,942,000 |
| Average Mortgage Loan Application Amount | $401,965 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $143,252 |
| Highest Applicant Income | $862,000 |
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Bank & Trust of Bryan/College Station filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 135 | $44,781,000 | $331,000 | $3,780,000 | $150,000 | $862,000 |
| Home Improvement | 22 | $3,377,000 | $153,000 | $424,000 | $126,000 | $366,000 |
| Refinancing | 17 | $21,784,000 | $1,281,000 | $9,000,000 | $112,000 | $534,000 |
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 | 97 | $31,290,000 | $322,000 | $3,780,000 | $193,000 | $862,000 |
| Not applicable | 43 | $29,753,000 | $691,000 | $9,000,000 | $0 | $0 |
| Not Provided | 14 | $4,519,000 | $322,000 | $720,000 | $195,000 | $543,000 |
| Hispanic | 11 | $2,038,000 | $185,000 | $525,000 | $103,000 | $413,000 |
| Asian | 4 | $1,363,000 | $340,000 | $530,000 | $158,000 | $371,000 |
| Black or African American | 3 | $279,000 | $93,000 | $135,000 | $107,000 | $136,000 |
| American Indian or Alaskan Native | 2 | $700,000 | $350,000 | $600,000 | $706,000 | $706,000 |
| 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) | 169 | $69,167,000 | $409,000 | $9,000,000 | $146,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 5 | $775,000 | $155,000 | $270,000 | $59,000 | $128,000 |
| 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 | 118 | $53,456,000 | $453,000 | $9,000,000 | $137,000 | $862,000 |
| Preapproval Approved but not Accepted | 29 | $7,850,000 | $270,000 | $720,000 | $179,000 | $706,000 |
| Application Approved But Not Accepted | 14 | $4,715,000 | $336,000 | $1,000,000 | $208,000 | $602,000 |
| Application Denied By Financial Institution | 7 | $3,119,000 | $445,000 | $2,293,000 | $48,000 | $125,000 |
| Application Withdrawn By Applicant | 3 | $520,000 | $173,000 | $225,000 | $36,000 | $110,000 |
| Preapproval Denied by Financial Institution | 3 | $282,000 | $94,000 | $280,000 | $76,000 | $97,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $2,660,000 | $532,000 | $2,293,000 | $35,000 | $97,000 |
| Credit History | 4 | $740,000 | $185,000 | $280,000 | $65,000 | $87,000 |
| Credit Application Incomplete | 1 | $1,000 | $1,000 | $1,000 | $125,000 | $125,000 |
| Collateral | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust of Bryan/College Station's 2017 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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