The Bank & Trust, S.S.B. Mortgage Lending & HMDA Data, 2024
In 2024, The Bank & Trust, S.S.B. of Del Rio, TX reported 208 mortgage applications totaling $50.2 million, up 4% from 2023. The average application was for $241,153, and applicants reported an average income of $160,509. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Angelo, TX (57), San Antonio-New Braunfels, TX (5) and Corpus Christi, TX (4) (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 | 208 |
| Total Mortgage Loan Application Amount | $50,160,000 |
| Average Mortgage Loan Application Amount | $241,153 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $160,509 |
| Highest Applicant Income | $1,006,000 |
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(HMDA) records The Bank & Trust, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Val Verde, Texas | 71 | $ 11,725,000 | $ 165,140 | $ 126,000 |
| Tom Green, Texas | 56 | $ 16,680,000 | $ 297,857 | $ 201,000 |
| Kinney, Texas | 20 | $ 1,400,000 | $ 70,000 | $ 86,000 |
| Kerr, Texas | 10 | $ 2,200,000 | $ 220,000 | $ 158,000 |
| Sutton, Texas | 10 | $ 1,500,000 | $ 150,000 | $ 120,000 |
| Runnels, Texas | 4 | $ 1,290,000 | $ 322,500 | $ 167,000 |
| Maverick, Texas | 3 | $ 2,045,000 | $ 681,666 | $ 268,000 |
| Nueces, Texas | 3 | $ 885,000 | $ 295,000 | $ 203,000 |
| Bexar, Texas | 2 | $ 470,000 | $ 235,000 | $ 117,000 |
| Brazos, Texas | 2 | $ 480,000 | $ 240,000 | $ 201,000 |
| Coke, Texas | 2 | $ 400,000 | $ 200,000 | $ 143,000 |
| Gillespie, Texas | 2 | $ 920,000 | $ 460,000 | $ 246,000 |
| Kimble, Texas | 2 | $ 200,000 | $ 100,000 | $ 104,000 |
| McLennan, Texas | 2 | $ 2,470,000 | $ 1,235,000 | $ 0 |
| Midland, Texas | 2 | $ 440,000 | $ 220,000 | $ 127,000 |
| Taylor, Texas | 2 | $ 510,000 | $ 255,000 | $ 443,000 |
| Aransas, Texas | 1 | $ 85,000 | $ 85,000 | $ 737,000 |
| Bandera, Texas | 1 | $ 175,000 | $ 175,000 | $ 147,000 |
| Brown, Texas | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Burnet, Texas | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Collin, Texas | 1 | $ 445,000 | $ 445,000 | $ 113,000 |
| Comal, Texas | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Dallas, Texas | 1 | $ 575,000 | $ 575,000 | $ 127,000 |
| Eastland, Texas | 1 | $ 205,000 | $ 205,000 | $ 449,000 |
| Harris, Texas | 1 | $ 35,000 | $ 35,000 | $ 195,000 |
| Irion, Texas | 1 | $ 875,000 | $ 875,000 | $ 421,000 |
| Kendall, Texas | 1 | $ 685,000 | $ 685,000 | $ 370,000 |
| Mason, Texas | 1 | $ 325,000 | $ 325,000 | $ 214,000 |
| San Saba, Texas | 1 | $ 565,000 | $ 565,000 | $ 375,000 |
| Schleicher, Texas | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Terry, Texas | 1 | $ 625,000 | $ 625,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Bank & Trust, S.S.B. in 2024
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 | 130 | $37,540,000 | $288,000 | $1,635,000 | $166,000 | $1,006,000 |
| Other Purpose | 29 | $2,855,000 | $98,000 | $595,000 | $144,000 | $841,000 |
| Cash-out Refinancing | 21 | $6,235,000 | $296,000 | $1,385,000 | $155,000 | $370,000 |
| Home Improvement | 21 | $1,625,000 | $77,000 | $275,000 | $158,000 | $737,000 |
| Refinancing | 7 | $1,905,000 | $272,000 | $495,000 | $151,000 | $371,000 |
| 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 | 110 | $27,820,000 | $252,000 | $1,015,000 | $173,000 | $1,006,000 |
| Hispanic | 72 | $10,780,000 | $149,000 | $635,000 | $142,000 | $841,000 |
| Not applicable | 18 | $9,870,000 | $548,000 | $1,635,000 | $0 | $0 |
| Not Provided | 6 | $1,050,000 | $175,000 | $285,000 | $154,000 | $429,000 |
| Asian | 2 | $640,000 | $320,000 | $445,000 | $119,000 | $180,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 208 | $50,160,000 | $241,000 | $1,635,000 | $160,000 | $1,006,000 |
| 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 | 143 | $39,135,000 | $273,000 | $1,635,000 | $181,000 | $1,006,000 |
| Application Denied By Financial Institution | 34 | $4,380,000 | $128,000 | $365,000 | $84,000 | $192,000 |
| Application Approved But Not Accepted | 28 | $5,860,000 | $209,000 | $1,015,000 | $154,000 | $564,000 |
| Application Withdrawn By Applicant | 3 | $785,000 | $261,000 | $385,000 | $209,000 | $268,000 |
| 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 | 208 | $50,160,000 | $241,000 | $1,635,000 | $160,000 | $1,006,000 |
| 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 2024 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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