The Bank & Trust Mortgage Rates, Fees & Info
Del Rio, TXLEI: 549300DNUPSQ3UW3EM09
Tax ID: 74-0588337
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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: San Angelo, Del Rio, Waco, San Antonio, and Eagle Pass among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank & Trust has an 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
143Origination Dollar Volume (All Markets)
$39,135,000Top 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 |
|---|---|---|---|---|---|
| SAN ANGELO, TX (FHA|USDA|VA) | 46 | $14,070,000 | $305,870 | $0 | 0.00% |
| Del Rio, TX (FHA|USDA|VA) | 38 | $6,710,000 | $176,579 | $0 | 0.00% |
| Outside of Metro Areas | 29 | $6,675,000 | $230,172 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 2 | $2,470,000 | $1,235,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 143 | $39,135,000 | $273,671 | $0 | 0.00% |
For 2024, The Bank & Trust's most frequently originated type of loan was Conventional, with 143 originations.
Loan Reason
For 2024, The Bank & Trust's most frequently cited loan purpose was Home Purchase, with 96 originations. The 2nd most popular reason was Other, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 143 | $39,135,000 | $273,671 | $0 | 0.00% |
For 2024, The Bank & Trust's most frequently cited loan duration was Other, with 143 originations.
Loan Sizing
2024 saw The Bank & Trust place emphasis on $200k-400k loans with 41 originations, totaling $11,985,000 in origination value.
Applicant Income
The Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 37 originations. The second most popular income band? $100k-150k, with 30 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 143 | $39,135,000 | $273,671 | $0 | 0.00% |
The Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 143 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.65%
The Bank & Trust has a below average approval rate.
Pick Rate
Approvals leading to origination78.32%
The Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 143 | $39,135,000 | $273,671 |