The Bank & Trust, S.S.B. Mortgage Lending & HMDA Data, 2019
In 2019, The Bank & Trust, S.S.B. of Del Rio, TX reported 217 mortgage applications totaling $31.4 million, down 11% from 2018. The average application was for $144,493, and applicants reported an average income of $118,041. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Angelo, TX (59), San Antonio-New Braunfels, TX (4) and Abilene, 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 | 217 |
| Total Mortgage Loan Application Amount | $31,355,000 |
| Average Mortgage Loan Application Amount | $144,493 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $118,041 |
| Highest Applicant Income | $1,022,000 |
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(HMDA) records The Bank & Trust, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 145 | $ 17,335,000 | $ 119,551 | $ 106,544 |
| San Angelo, TX | 59 | $ 10,845,000 | $ 183,813 | $ 112,000 |
| San Antonio-New Braunfels, TX | 4 | $ 940,000 | $ 235,000 | $ 349,000 |
| Abilene, TX | 2 | $ 420,000 | $ 210,000 | $ 121,000 |
| Midland, TX | 2 | $ 500,000 | $ 250,000 | $ 189,000 |
| Austin-Round Rock, TX | 1 | $ 375,000 | $ 375,000 | $ 1,022,000 |
| College Station-Bryan, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 455,000 | $ 455,000 | $ 212,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Laredo, TX | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for The Bank & Trust, S.S.B. in 2019
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 | 141 | $23,245,000 | $164,000 | $485,000 | $124,000 | $652,000 |
| Cash-out Refinancing | 28 | $3,580,000 | $127,000 | $435,000 | $135,000 | $1,022,000 |
| Other Purpose | 23 | $2,525,000 | $109,000 | $465,000 | $69,000 | $248,000 |
| Home Improvement | 13 | $725,000 | $55,000 | $135,000 | $112,000 | $212,000 |
| Refinancing | 12 | $1,280,000 | $106,000 | $165,000 | $109,000 | $214,000 |
| 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 | 120 | $20,880,000 | $174,000 | $485,000 | $137,000 | $1,022,000 |
| Hispanic | 78 | $8,800,000 | $112,000 | $355,000 | $90,000 | $388,000 |
| Not applicable | 15 | $1,555,000 | $103,000 | $205,000 | $0 | $0 |
| Not Provided | 2 | $50,000 | $25,000 | $35,000 | $59,000 | $91,000 |
| American Indian or Alaskan Native | 2 | $70,000 | $35,000 | $55,000 | $94,000 | $150,000 |
| 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) | 217 | $31,355,000 | $144,000 | $485,000 | $118,000 | $1,022,000 |
| 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 | 161 | $26,275,000 | $163,000 | $485,000 | $129,000 | $1,022,000 |
| Application Denied By Financial Institution | 28 | $2,140,000 | $76,000 | $285,000 | $68,000 | $150,000 |
| Application Withdrawn By Applicant | 16 | $1,530,000 | $95,000 | $245,000 | $81,000 | $240,000 |
| Application Approved But Not Accepted | 12 | $1,410,000 | $117,000 | $255,000 | $137,000 | $300,000 |
| 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 | 217 | $31,355,000 | $144,000 | $485,000 | $118,000 | $1,022,000 |
| 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 2019 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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