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, Austin, Brenham, San Antonio, and College Station among others. We have data for 7 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
108Origination Dollar Volume (All Markets)
$13,830,000Top 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) | 84 | $8,940,000 | $106,429 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $1,765,000 | $196,111 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 0.00% |
| El Campo, 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 | 108 | $13,830,000 | $128,056 | $0 | 0.00% |
For 2019, Brazos Valley Schools's most frequently originated type of loan was Conventional, with 108 originations.
Loan Reason
For 2019, Brazos Valley Schools's most frequently cited loan purpose was Cash Out Refi, with 55 originations. The 2nd most popular reason was Home Purchase, with 36 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 108 | $13,830,000 | $128,056 | $0 | 0.00% |
For 2019, Brazos Valley Schools's most frequently cited loan duration was Other, with 108 originations.
Loan Sizing
2019 saw Brazos Valley Schools place emphasis on $100,000 or less loans with 55 originations, totaling $2,845,000 in origination value.
Applicant Income
Brazos Valley Schools lent most frequently to those with incomes in the $100k-150k range, with 27 originations. The second most popular income band? $50k-75k, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 108 | $13,830,000 | $128,056 | $0 | 0.00% |
Brazos Valley Schools lent most frequently to those with DTI ratios of Exempt%, with 108 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.24%
Brazos Valley Schools has a below average approval rate.
Pick Rate
Approvals leading to origination28.70%
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 | 108 | $13,830,000 | $128,056 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 108 | $13,830,000 | $128,056 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Brock & Scott, PLLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| Brock & Scott, PLLC | Other type of mortgage | Trouble during payment process | 2 | 66.7% |