The Bank & Trust, S.S.B. Mortgage Lending & HMDA Data, 2017
In 2017, The Bank & Trust, S.S.B. of Del Rio, TX reported 221 mortgage applications totaling $32.3 million, about the same as 2016. The average application was for $146,334, and applicants reported an average income of $113,660. 88% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Angelo, TX (56), San Antonio-New Braunfels, TX (9) and Austin-Round Rock, 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 | 221 |
| Total Mortgage Loan Application Amount | $32,340,000 |
| Average Mortgage Loan Application Amount | $146,334 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $113,660 |
| Highest Applicant Income | $1,195,000 |
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(HMDA) records The Bank & Trust, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Angelo, TX | 56 | $ 8,619,000 | $ 153,910 | $ 115,000 |
| San Antonio-New Braunfels, TX | 9 | $ 2,505,000 | $ 278,333 | $ 229,000 |
| Austin-Round Rock, TX | 2 | $ 731,000 | $ 365,500 | $ 628,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 420,000 | $ 210,000 | $ 90,000 |
| Abilene, TX | 1 | $ 34,000 | $ 34,000 | $ 195,000 |
| College Station-Bryan, TX | 1 | $ 279,000 | $ 279,000 | $ 154,000 |
| Corpus Christi, TX | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Fort Worth-Arlington, TX | 1 | $ 300,000 | $ 300,000 | $ 127,000 |
| Midland, TX | 1 | $ 200,000 | $ 200,000 | $ 191,000 |
| Odessa, TX | 1 | $ 179,000 | $ 179,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for The Bank & Trust, S.S.B. 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 | 138 | $21,677,000 | $157,000 | $556,000 | $111,000 | $751,000 |
| Refinancing | 59 | $9,184,000 | $155,000 | $650,000 | $123,000 | $1,195,000 |
| Home Improvement | 24 | $1,479,000 | $61,000 | $190,000 | $106,000 | $511,000 |
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 | 128 | $21,190,000 | $165,000 | $650,000 | $145,000 | $1,195,000 |
| Hispanic | 70 | $8,077,000 | $115,000 | $556,000 | $87,000 | $455,000 |
| Not applicable | 17 | $2,291,000 | $134,000 | $249,000 | $0 | $0 |
| Asian | 2 | $166,000 | $83,000 | $126,000 | $45,000 | $55,000 |
| Black or African American | 2 | $334,000 | $167,000 | $277,000 | $104,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $212,000 | $212,000 | $212,000 | $123,000 | $123,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $38,000 | $38,000 |
| Not Provided | 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) | 221 | $32,340,000 | $146,000 | $650,000 | $114,000 | $1,195,000 |
| 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 | 194 | $29,813,000 | $153,000 | $650,000 | $119,000 | $1,195,000 |
| Application Denied By Financial Institution | 22 | $1,752,000 | $79,000 | $174,000 | $68,000 | $307,000 |
| Application Approved But Not Accepted | 5 | $775,000 | $155,000 | $240,000 | $105,000 | $162,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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, S.S.B.'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, 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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