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: San Angelo, Del Rio, Kerrville, Waco, and San Antonio among others. We have data for 16 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
187Origination Dollar Volume (All Markets)
$48,225,000Top 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) | 71 | $16,715,000 | $235,423 | $0 | 0.00% |
| Del Rio, TX (FHA|USDA|VA) | 52 | $10,060,000 | $193,462 | $0 | 0.00% |
| Outside of Metro Areas | 29 | $6,695,000 | $230,862 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 6 | $3,280,000 | $546,667 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $0 | 0.00% |
| Eagle Pass, TX (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 187 | $48,225,000 | $257,888 | $0 | 0.00% |
For 2022, The Bank & Trust's most frequently originated type of loan was Conventional, with 187 originations.
Loan Reason
For 2022, The Bank & Trust's most frequently cited loan purpose was Home Purchase, with 123 originations. The 2nd most popular reason was Cash Out Refi, with 24 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 187 | $48,225,000 | $257,888 | $0 | 0.00% |
For 2022, The Bank & Trust's most frequently cited loan duration was Other, with 187 originations.
Loan Sizing
2022 saw The Bank & Trust place emphasis on $100k-200k loans with 61 originations, totaling $8,785,000 in origination value.
Applicant Income
The Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 41 originations. The second most popular income band? $250k+, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 187 | $48,225,000 | $257,888 | $0 | 0.00% |
The Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 187 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.18%
The Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination80.21%
The Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 187 | $48,225,000 | $257,888 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |