The Bank & Trust
The Bank & Trust received 209 applications in 2025 and made 150 mortgages, in 31 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 202 decisions, 27 were denials — 13.4%.
| Legal Entity Identifier | 549300DNUPSQ3UW3EM09 |
|---|---|
| Applications received | 209 |
| Mortgages made | 150 |
| Denied | 27 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 97 | Not published | $235,000 | 8.5% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cash-out refinancing | 20 | Not published | $140,000 | 4.4% |
| Other purposes | 28 | Not published | $85,000 | 24.5% |
Where The Bank & Trust lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tom Green County, TX | 53 | Not published | 4.9% |
| Val Verde County, TX | 40 | Not published | 23.3% |
| Kerr County, TX | 13 | Not published | 18.2% |
| Sutton County, TX | 11 | Not published | 0.0% |
| Kinney County, TX | 5 | Under 10 loans | 33.3% |
| Bexar County, TX | 3 | Under 10 loans | 0.0% |
| Brown County, TX | 2 | Under 10 loans | 0.0% |
| Irion County, TX | 2 | Under 10 loans | 33.3% |
| Terrell County, TX | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Blanco County, TX | 1 | Under 10 loans | 0.0% |
| Ector County, TX | 1 | Under 10 loans | 0.0% |
| Edwards County, TX | 1 | Under 10 loans | 0.0% |
| Gillespie County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Limestone County, TX | 1 | Under 10 loans | 0.0% |
| Llano County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Lynn County, TX | 1 | Under 10 loans | 0.0% |
| McCulloch County, TX | 1 | Under 10 loans | 0.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 1 | Under 10 loans | 0.0% |
| Randall County, TX | 1 | Under 10 loans | 0.0% |
| Reagan County, TX | 1 | Under 10 loans | 0.0% |
| Runnels County, TX | 1 | Under 10 loans | 0.0% |
| San Saba County, TX | 1 | Under 10 loans | 0.0% |
| Schleicher County, TX | 1 | Under 10 loans | 0.0% |
| Shackelford County, TX | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 0 | Under 10 loans | 0.0% |
| Kimble County, TX | 0 | Under 10 loans | 100.0% |
| Maverick County, TX | 0 | Under 10 loans | 100.0% |
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When The Bank & Trust’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.