The Bank & Trust, S.S.B. Mortgage Lending & HMDA Data, 2025
In 2025, The Bank & Trust, S.S.B. of Del Rio, TX reported 209 mortgage applications totaling $48.0 million, about the same as 2024. The average application was for $229,784, and applicants reported an average income of $183,172. 72% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Angelo, TX (67), San Antonio-New Braunfels, TX (6) and Lubbock, TX (2) (applications in parentheses).
| Mortgage Company & Address | The Bank & Trust, S.S.B. 1200 Veterans Blvd Del Rio, TX 78840 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 209 |
| Total Mortgage Loan Application Amount | $48,025,000 |
| Average Mortgage Loan Application Amount | $229,784 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $183,172 |
| Highest Applicant Income | $1,752,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Bank & Trust, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tom Green, Texas | 64 | $ 15,970,000 | $ 249,531 | $ 168,000 |
| Val Verde, Texas | 61 | $ 9,505,000 | $ 155,819 | $ 124,000 |
| Kerr, Texas | 24 | $ 8,340,000 | $ 347,500 | $ 172,000 |
| Sutton, Texas | 13 | $ 2,735,000 | $ 210,384 | $ 244,000 |
| Kinney, Texas | 10 | $ 860,000 | $ 86,000 | $ 93,000 |
| Bexar, Texas | 5 | $ 2,485,000 | $ 497,000 | $ 487,000 |
| Brown, Texas | 3 | $ 435,000 | $ 145,000 | $ 662,000 |
| Irion, Texas | 3 | $ 645,000 | $ 215,000 | $ 172,000 |
| Edwards, Texas | 2 | $ 110,000 | $ 55,000 | $ 75,000 |
| San Saba, Texas | 2 | $ 230,000 | $ 115,000 | $ 178,000 |
| Terrell, Texas | 2 | $ 140,000 | $ 70,000 | $ 108,000 |
| Maricopa, Arizona | 1 | $ 525,000 | $ 525,000 | $ 205,000 |
| Blanco, Texas | 1 | $ 375,000 | $ 375,000 | $ 509,000 |
| Ector, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Gillespie, Texas | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Guadalupe, Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Hays, Texas | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
| Kimble, Texas | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Limestone, Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Llano, Texas | 1 | $ 675,000 | $ 675,000 | $ 125,000 |
| Lubbock, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lynn, Texas | 1 | $ 345,000 | $ 345,000 | $ 546,000 |
| Maverick, Texas | 1 | $ 285,000 | $ 285,000 | $ 54,000 |
| McCulloch, Texas | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,359,000 |
| Midland, Texas | 1 | $ 555,000 | $ 555,000 | $ 223,000 |
| Palo Pinto, Texas | 1 | $ 555,000 | $ 555,000 | $ 590,000 |
| Randall, Texas | 1 | $ 235,000 | $ 235,000 | $ 132,000 |
| Reagan, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Runnels, Texas | 1 | $ 415,000 | $ 415,000 | $ 291,000 |
| Schleicher, Texas | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Shackelford, Texas | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for The Bank & Trust, S.S.B. in 2025
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 | 121 | $32,165,000 | $265,000 | $1,155,000 | $199,000 | $1,752,000 |
| Other Purpose | 30 | $3,510,000 | $117,000 | $555,000 | $112,000 | $509,000 |
| Cash-out Refinancing | 25 | $3,865,000 | $154,000 | $335,000 | $147,000 | $521,000 |
| Home Improvement | 25 | $4,845,000 | $193,000 | $1,455,000 | $161,000 | $579,000 |
| Refinancing | 8 | $3,640,000 | $455,000 | $1,115,000 | $393,000 | $1,359,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 98 | $25,750,000 | $262,000 | $1,115,000 | $191,000 | $1,752,000 |
| Hispanic | 70 | $12,230,000 | $174,000 | $1,155,000 | $150,000 | $1,359,000 |
| Not applicable | 21 | $3,475,000 | $165,000 | $565,000 | $0 | $0 |
| Not Provided | 19 | $6,385,000 | $336,000 | $1,455,000 | $262,000 | $1,377,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Asian | 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) | 209 | $48,025,000 | $229,000 | $1,455,000 | $183,000 | $1,752,000 |
| 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 | 150 | $38,660,000 | $257,000 | $1,455,000 | $204,000 | $1,752,000 |
| Application Denied By Financial Institution | 27 | $4,435,000 | $164,000 | $695,000 | $64,000 | $216,000 |
| Application Approved But Not Accepted | 25 | $4,475,000 | $179,000 | $835,000 | $200,000 | $1,377,000 |
| Application Withdrawn By Applicant | 7 | $455,000 | $65,000 | $185,000 | $76,000 | $123,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 209 | $48,025,000 | $229,000 | $1,455,000 | $183,000 | $1,752,000 |
| 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 |
| Not applicable | 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank & Trust, S.S.B.'s 2025 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, S.S.B.'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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