Brazos Valley Schools at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th38.4% deniedProcesswithdrawn + incomplete share, weight 15%
7th27.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 432 | 153 | 17.6% | 23.9% | — | $26M |
| 2024 | 474 | 144 | 21.5% | 30.5% | — | $26M |
| 2025 | 487 | 144 | 27.7% | 38.4% | — | $22M |
What Brazos Valley Schools lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 3 investment properties.
Who gets approved at Brazos Valley Schools
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 2 | 81.6% |
| $50k – $100k | 195 | 51 | 45.3% |
| $100k – $150k | 113 | 56 | 18.9% |
| $150k – $250k | 75 | 29 | 25.4% |
| Over $250k | 40 | 5 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 4 | 38.5% |
| 25–34 | 92 | 25 | 35.5% |
| 35–44 | 109 | 35 | 32.5% |
| 45–54 | 93 | 34 | 34.8% |
| 55–64 | 101 | 22 | 52.0% |
| 65–74 | 51 | 18 | 35.7% |
Where Brazos Valley Schools lends
2 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 338 | 144 | 24.6% | — | #321 |
Frequently asked questions
Brazos Valley Schools denied 38.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
In 2025, 48% of its applications were for home purchases, 52% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.