Brazos Valley Schools Mortgage Rates, Fees & Info
Katy, TXLEI: 549300U1V61ZDK023383
Tax ID: 74-1397874
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Mortgage Data
Review & Overview
Brazos Valley Schools is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Brazos Valley Schools has a high proportion of conventional loans. Their top markets by origination volume include: Houston, College Station, Bay City, Rockport, and Kingsville among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Brazos Valley Schools 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
53Origination Dollar Volume (All Markets)
$7,305,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 41 | $5,325,000 | $129,878 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 8 | $1,480,000 | $185,000 | $0 | 0.00% |
| Bay City, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 53 | $7,305,000 | $137,830 | $0 | 0.00% |
For 2018, Brazos Valley Schools's most frequently originated type of loan was Conventional, with 53 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 27 | $1,925,000 | $71,296 | $0 | 0.00% |
| Home Purchase | 19 | $4,325,000 | $227,632 | $0 | 0.00% |
| Refi | 7 | $1,055,000 | $150,714 | $0 | 0.00% |
For 2018, Brazos Valley Schools's most frequently cited loan purpose was Cash Out Refi, with 27 originations. The 2nd most popular reason was Home Purchase, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 53 | $7,305,000 | $137,830 | $0 | 0.00% |
For 2018, Brazos Valley Schools's most frequently cited loan duration was Other, with 53 originations.
Loan Sizing
2018 saw Brazos Valley Schools place emphasis on $100,000 or less loans with 27 originations, totaling $1,565,000 in origination value.
Applicant Income
Brazos Valley Schools lent most frequently to those with incomes in the $50k-75k range, with 15 originations. The second most popular income band? $75k-100k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 53 | $7,305,000 | $137,830 | $0 | 0.00% |
Brazos Valley Schools lent most frequently to those with DTI ratios of Exempt%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.30%
Brazos Valley Schools has a below average approval rate.
Pick Rate
Approvals leading to origination47.17%
Brazos Valley Schools has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 53 | $7,305,000 | $137,830 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 53 | $7,305,000 | $137,830 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Brock & Scott, PLLC | Conventional home mortgage | Struggling to pay mortgage | 3 | 60.0% |
| Brock & Scott, PLLC | Conventional home mortgage | Trouble during payment process | 1 | 20.0% |
| Brock & Scott, PLLC | Other type of mortgage | Struggling to pay mortgage | 1 | 20.0% |