The Bank & Trust Of Bryan/college Station Mortgage Rates, Fees & Info

Bryan, TX

LEI: 549300TGP3T5TV8DU268

Tax ID: 20-4400475

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Bank & Trust Of Bryan/college Station is a smaller bank specializing in Home Purchase loans. The Bank & Trust Of Bryan/college Station has a high proportion of conventional loans. Their top markets by origination volume include: College Station, Houston, Athens, Austin, and Palestine among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Bank & Trust Of Bryan/college Station 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. The Bank & Trust Of Bryan/college Station is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    160

    Origination Dollar Volume (All Markets)

    $44,450,000

    Top 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
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 134 $35,360,000 $263,881 $4,643 5.21%
    Outside of Metro Areas 10 $2,900,000 $290,000 $6,076 4.95%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,520,000 $380,000 $6,630 4.75%
    Athens, TX (FHA|USDA|VA) 1 $945,000 $945,000 $0 4.95%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $845,000 $845,000 $10,489 5.50%
    Palestine, TX (FHA|USDA|VA) 1 $765,000 $765,000 $0 4.95%
    Uvalde, TX (FHA|USDA|VA) 1 $495,000 $495,000 $0 6.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $465,000 $155,000 $0 5.46%
    Fredericksburg, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,951 4.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,634 4.75%
    Rockport, TX (FHA|USDA|VA) 1 $315,000 $315,000 $6,203 4.95%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $80,000 $40,000 $0 5.75%
    The Bank & Trust Of Bryan/college Station's top markets include College Station, Houston, Athens, Austin, and Palestine among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Bank & Trust of Bryan/College Station based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Bank & Trust of Bryan/College Station
    Similarity Rank: 396
    American Momentum Bank
    Similarity Rank: 399
    GREATER TEXAS FEDERAL CREDIT UNION
    Similarity Rank: 442
    Extraco Banks
    Similarity Rank: 550
    Prosperity Bank
    Similarity Rank: 781
    Guaranty Bank & Trust, N.A.
    Similarity Rank: 783
    City Bank
    Similarity Rank: 2737
    GARDNER FINANCIAL SERVICES, LTD.
    Similarity Rank: 3108
    Wallick & Volk, Inc.
    Similarity Rank: 3159
    NAVY FEDERAL CREDIT UNION
    Similarity Rank: 3496

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 160 $44,450,000 $277,813 $4,924 5.19%

    For 2018, The Bank & Trust Of Bryan/college Station's most frequently originated type of loan was Conventional, with 160 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 130 $33,170,000 $255,154 $5,181 5.25%
    Cash Out Refi 11 $3,205,000 $291,364 $3,750 4.99%
    Refi 9 $6,005,000 $667,222 $6,529 4.70%
    Home Improvement 6 $1,490,000 $248,333 $2,328 5.35%
    Other 4 $580,000 $145,000 $2,703 4.88%

    For 2018, The Bank & Trust Of Bryan/college Station's most frequently cited loan purpose was Home Purchase, with 130 originations. The 2nd most popular reason was Cash Out Refi, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 48 $15,990,000 $333,125 $4,724 4.81%
    15 Year 47 $9,695,000 $206,277 $2,878 5.26%
    10 Year 23 $4,925,000 $214,130 $2,625 5.42%
    Other 20 $6,790,000 $339,500 $7,106 5.53%
    30+ year 13 $4,945,000 $380,385 $8,879 5.14%
    1 Year 4 $1,370,000 $342,500 $4,848 5.50%
    5 Year 4 $520,000 $130,000 $0 6.05%
    20 Year 1 $215,000 $215,000 $3,579 4.75%

    For 2018, The Bank & Trust Of Bryan/college Station's most frequently cited loan duration was 30 Year, with 48 originations. The 2nd most popular length was 15 Year, with 47 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 66 $20,730,000 $314,091
    $<1k 10 $530,000 $53,000
    $2k-3k 5 $1,215,000 $243,000
    $3k-4k 5 $1,925,000 $385,000
    $4k-5k 4 $2,180,000 $545,000
    $5k+ 2 $1,110,000 $555,000

    The Bank & Trust Of Bryan/college Station's average total fees were $4,724, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 66 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 79 $20,295,000 $256,899
    4-5% 64 $19,350,000 $302,344
    6-7% 10 $1,570,000 $157,000
    3-4% 6 $2,220,000 $370,000
    7-8% 1 $1,015,000 $1,015,000

    During 2018, The Bank & Trust Of Bryan/college Station's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 5-6%, with 79 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 62 $16,790,000 $270,806 $4,802 5.03%
    $100k-200k 49 $7,445,000 $151,939 $3,599 5.31%
    $100,000 or less 18 $950,000 $52,778 $1,217 5.58%
    $400k-600k 18 $8,300,000 $461,111 $7,662 5.14%
    $600k-1MM 11 $8,745,000 $795,000 $8,622 4.85%
    $1MM+ 2 $2,220,000 $1,110,000 $0 6.25%

    2018 saw The Bank & Trust Of Bryan/college Station place emphasis on $200k-400k loans with 62 originations, totaling $16,790,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 31 $9,455,000 $305,000 $5,910 5.09%
    $250k+ 27 $11,725,000 $434,259 $6,972 5.13%
    $100k-150k 24 $5,570,000 $232,083 $4,125 4.95%
    $75k-100k 13 $2,365,000 $181,923 $3,509 4.82%
    $50k-75k 11 $2,175,000 $197,727 $3,986 4.88%
    $50k or less 7 $905,000 $129,286 $4,161 5.15%

    The Bank & Trust Of Bryan/college Station lent most frequently to those with incomes in the $150k-250k range, with 31 originations. The second most popular income band? $250k+, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 34 $9,480,000 $278,824 $4,516 4.94%
    <20% 23 $6,105,000 $265,435 $4,525 5.01%
    30-36% 22 $6,440,000 $292,727 $5,424 5.09%
    40% 8 $2,050,000 $256,250 $4,650 4.82%
    37% 5 $1,345,000 $269,000 $4,578 4.97%
    39% 4 $910,000 $227,500 $3,166 4.97%
    38% 4 $1,900,000 $475,000 $6,207 5.22%
    41% 3 $1,065,000 $355,000 $5,825 4.48%
    42% 3 $1,005,000 $335,000 $8,250 4.95%
    36% 2 $360,000 $180,000 $5,747 5.04%
    44% 1 $95,000 $95,000 $0 5.75%
    >60% 1 $565,000 $565,000 $6,165 5.50%

    The Bank & Trust Of Bryan/college Station lent most frequently to those with DTI ratios of 20-30%, with 34 originations. The next most common DTI ratio? <20%, with 23 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 107 $31,545,000 $294,813 $5,061 5.05%
    Not applicable 40 $10,800,000 $270,000 $0 5.66%
    Asian 5 $1,095,000 $219,000 $3,721 4.85%
    Not provided 5 $675,000 $135,000 $3,240 4.90%
    Black 3 $335,000 $111,667 $7,072 5.32%

    Approval Rates

    Total approvals of all applications
    96.67%

    The Bank & Trust Of Bryan/college Station has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.38%

    The Bank & Trust Of Bryan/college Station has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    113.0 1 $15,000 $15,000
    NA 159 $44,435,000 $279,465

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $5,390,000 $673,750
    Single Family (1-4 Units):Manufactured 1 $15,000 $15,000
    Single Family (1-4 Units):Site-Built 151 $39,045,000 $258,576

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 15 $4,515,000 $301,000 $3,439 4.90%
    40-60% 28 $9,170,000 $327,500 $5,815 5.11%
    60-80% 85 $22,065,000 $259,588 $5,617 5.19%
    80-100% 23 $7,325,000 $318,478 $5,174 5.29%
    Under 20% 9 $1,375,000 $152,778 $943 5.81%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 9.8%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 4 3.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Incorrect information on your report 1 1.0%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 6 5.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 30 29.4%
    TD BANK US HOLDING COMPANY FHA mortgage Incorrect information on your report 1 1.0%
    TD BANK US HOLDING COMPANY FHA mortgage Struggling to pay mortgage 4 3.9%
    TD BANK US HOLDING COMPANY FHA mortgage Trouble during payment process 1 1.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 7.8%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 3 2.9%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Incorrect information on your report 1 1.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 1.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 3 2.9%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 14 13.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.0%
    TD BANK US HOLDING COMPANY Other type of mortgage Closing on a mortgage 3 2.9%
    TD BANK US HOLDING COMPANY Other type of mortgage Struggling to pay mortgage 4 3.9%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 7 6.9%