The Bank & Trust Mortgage Rates, Fees & Info
Del Rio, TXLEI: 549300DNUPSQ3UW3EM09
Tax ID: 74-0588337
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Bank & Trust is a smaller bank specializing in Home Purchase loans. The Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Del Rio, San Angelo, Kerrville, San Antonio, and Fredericksburg among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
156Origination Dollar Volume (All Markets)
$42,980,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Del Rio, TX (FHA|USDA|VA) | 49 | $11,865,000 | $242,143 | $0 | 0.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 50 | $11,560,000 | $231,200 | $0 | 0.00% |
| Outside of Metro Areas | 21 | $9,165,000 | $436,429 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 15 | $3,965,000 | $264,333 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 156 | $42,980,000 | $275,513 | $0 | 0.00% |
For 2023, The Bank & Trust's most frequently originated type of loan was Conventional, with 156 originations.
Loan Reason
For 2023, The Bank & Trust's most frequently cited loan purpose was Home Purchase, with 113 originations. The 2nd most popular reason was Cash Out Refi, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 156 | $42,980,000 | $275,513 | $0 | 0.00% |
For 2023, The Bank & Trust's most frequently cited loan duration was Other, with 156 originations.
Loan Sizing
2023 saw The Bank & Trust place emphasis on $200k-400k loans with 55 originations, totaling $14,485,000 in origination value.
Applicant Income
The Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 39 originations. The second most popular income band? $150k-250k, with 28 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 156 | $42,980,000 | $275,513 | $0 | 0.00% |
The Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 156 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.50%
The Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination82.69%
The Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 156 | $42,980,000 | $275,513 |