The Bank & Trust Of Bryan/college Station Mortgage Rates, Fees & Info
Bryan, TXLEI: 549300TGP3T5TV8DU268
Tax ID: 20-4400475
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Mortgage Data
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. The Bank & Trust Of Bryan/college Station has a low ratio of conventional loans. Their top markets by origination volume include: College Station, Tyler, Fredericksburg, Houston, and Austin among others. We have data for 8 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.
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Originations
120Origination Dollar Volume (All Markets)
$34,030,000Top 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 |
|---|---|---|---|---|---|
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 101 | $28,635,000 | $283,515 | $10,593 | 5.75% |
| Outside of Metro Areas | 8 | $2,740,000 | $342,500 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 119 | $33,495,000 | $281,471 | $0 | 0.00% |
| Conventional | 1 | $535,000 | $535,000 | $10,593 | 5.75% |
For 2019, The Bank & Trust Of Bryan/college Station's most frequently originated type of loan was Conventional, with 119 originations. Their 2nd most popular type was Conventional, with 1 originations.
Loan Reason
For 2019, The Bank & Trust Of Bryan/college Station's most frequently cited loan purpose was Home Purchase, with 92 originations. The 2nd most popular reason was Cash Out Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 119 | $33,495,000 | $281,471 | $0 | 0.00% |
| 30+ year | 1 | $535,000 | $535,000 | $10,593 | 5.75% |
For 2019, The Bank & Trust Of Bryan/college Station's most frequently cited loan duration was Other, with 119 originations. The 2nd most popular length was 30+ year, with 1 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $4k-5k | 1 | $535,000 | $535,000 |
The Bank & Trust Of Bryan/college Station's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $4k-5k bucket, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 1 | $535,000 | $535,000 |
During 2019, The Bank & Trust Of Bryan/college Station's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 1 originations.
Loan Sizing
2019 saw The Bank & Trust Of Bryan/college Station place emphasis on $100k-200k loans with 34 originations, totaling $4,980,000 in origination value.
Applicant Income
The Bank & Trust Of Bryan/college Station lent most frequently to those with incomes in the $150k-250k range, with 26 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 119 | $33,495,000 | $281,471 | $0 | 0.00% |
| 20-30% | 1 | $535,000 | $535,000 | $10,593 | 5.75% |
The Bank & Trust Of Bryan/college Station lent most frequently to those with DTI ratios of Exempt%, with 119 originations. The next most common DTI ratio? 20-30%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.13%
The Bank & Trust Of Bryan/college Station has an average approval rate.
Pick Rate
Approvals leading to origination87.50%
The Bank & Trust Of Bryan/college Station has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 119 | $33,495,000 | $281,471 |
| NA | 1 | $535,000 | $535,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 7 | $7,255,000 | $1,036,429 |
| Single Family (1-4 Units):Site-Built | 113 | $26,775,000 | $236,947 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 60-80% | 1 | $535,000 | $535,000 | $10,593 | 5.75% |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 10 | 9.8% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Struggling to pay mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Trouble during payment process | 34 | 33.3% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Struggling to pay mortgage | 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 | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 13 | 12.7% |
| 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 | Incorrect information on your report | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Struggling to pay mortgage | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Trouble during payment process | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Reverse mortgage | Closing on a mortgage | 1 | 1.0% |