Brazos Valley Schools Mortgage Rates, Fees & Info

Katy, TX

LEI: 549300U1V61ZDK023383

Tax ID: 74-1397874

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Mortgage Data

Review & Overview

Brazos Valley Schools is a smaller mortgage company specializing in Home Purchase and Refi loans. Brazos Valley Schools has a high proportion of conventional loans. Their top markets by origination volume include: Houston, College Station, San Antonio, El Campo, and Austin among others. We have data for 12 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

351

Origination Dollar Volume (All Markets)

$66,345,000

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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 215 $36,375,000 $169,186 $0 0.00%
Outside of Metro Areas 86 $21,170,000 $246,163 $0 0.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 22 $3,540,000 $160,909 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,150,000 $287,500 $0 0.00%
El Campo, TX (FHA|USDA|VA) 5 $1,045,000 $209,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,030,000 $257,500 $0 0.00%
Brenham, TX (FHA|USDA|VA) 8 $880,000 $110,000 $0 0.00%
Huntsville, TX (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Bay City, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $130,000 $65,000 $0 0.00%
Nacogdoches, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
Brazos Valley Schools's top markets include Houston, College Station, San Antonio, El Campo, and Austin among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 351 $66,345,000 $189,017 $0 0.00%

    For 2021, Brazos Valley Schools's most frequently originated type of loan was Conventional, with 351 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 153 $39,415,000 $257,614 $0 0.00%
    Refi 107 $18,885,000 $176,495 $0 0.00%
    Cash Out Refi 87 $7,505,000 $86,264 $0 0.00%
    Home Improvement 2 $160,000 $80,000 $0 0.00%
    Other 2 $380,000 $190,000 $0 0.00%

    For 2021, Brazos Valley Schools's most frequently cited loan purpose was Home Purchase, with 153 originations. The 2nd most popular reason was Refi, with 107 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 351 $66,345,000 $189,017 $0 0.00%

    For 2021, Brazos Valley Schools's most frequently cited loan duration was Other, with 351 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 129 $34,185,000 $265,000 $0 0.00%
    $100k-200k 103 $15,765,000 $153,058 $0 0.00%
    $100,000 or less 98 $5,990,000 $61,122 $0 0.00%
    $400k-600k 19 $8,595,000 $452,368 $0 0.00%
    $600k-1MM 2 $1,810,000 $905,000 $0 0.00%

    2021 saw Brazos Valley Schools place emphasis on $200k-400k loans with 129 originations, totaling $34,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 93 $18,785,000 $201,989 $0 0.00%
    $50k-75k 85 $12,765,000 $150,176 $0 0.00%
    $75k-100k 63 $11,605,000 $184,206 $0 0.00%
    $150k-250k 56 $13,140,000 $234,643 $0 0.00%
    $50k or less 42 $5,500,000 $130,952 $0 0.00%
    $250k+ 12 $4,550,000 $379,167 $0 0.00%

    Brazos Valley Schools lent most frequently to those with incomes in the $100k-150k range, with 93 originations. The second most popular income band? $50k-75k, with 85 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 351 $66,345,000 $189,017 $0 0.00%

    Brazos Valley Schools lent most frequently to those with DTI ratios of Exempt%, with 351 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 248 $46,510,000 $187,540 $0 0.00%
    Black 47 $9,545,000 $203,085 $0 0.00%
    Not provided 44 $8,350,000 $189,773 $0 0.00%
    Asian 7 $1,255,000 $179,286 $0 0.00%
    American Indian 2 $300,000 $150,000 $0 0.00%
    Other Asian 2 $240,000 $120,000 $0 0.00%
    Other Pacific Islander 1 $145,000 $145,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    77.74%

    Brazos Valley Schools has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    72.93%

    Brazos Valley Schools has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 351 $66,345,000 $189,017

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    351 $66,345,000 $189,017

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Brock & Scott, PLLC Conventional home mortgage Trouble during payment process 1 100.0%