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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ST. LANDRY BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
ST. LANDRY BANK & TRUST CO |
| Address | 132 E LANDRY ST
OPELOUSAS, LA 70570 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 55 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,536,000 |
| Average Mortgage Loan Amount Applied For | $194,571 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $48,285 |
| Highest Applicant Income | $285,000 |
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| Home Improvement |
22 | $483,000 |
$21,000 | $79,000 |
$54,000 | $122,000 |
| Home Purchase |
20 | $3,677,000 |
$183,000 | $1,200,000 |
$63,000 | $285,000 |
| Refinancing |
13 | $376,000 |
$28,000 | $64,000 |
$46,000 | $84,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $88,000 |
$88,000 | $88,000 |
$285,000 | $285,000 |
| Black or African American |
15 | $507,000 |
$33,000 | $180,000 |
$48,000 | $107,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $242,000 |
$242,000 | $242,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
38 | $3,699,000 |
$97,000 | $1,200,000 |
$53,000 | $202,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
55 | $4,536,000 |
$82,000 | $1,200,000 |
$55,000 | $285,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $251,000 |
$83,000 | $180,000 |
$59,000 | $107,000 |
| Application Withdrawn By Applicant |
1 | $171,000 |
$171,000 | $171,000 |
$60,000 | $60,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
51 | $4,114,000 |
$80,000 | $1,200,000 |
$55,000 | $285,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $26,000 |
$26,000 | $26,000 |
$54,000 | $54,000 |
| Debt-To-Income Ratio |
1 | $45,000 |
$45,000 | $45,000 |
$16,000 | $16,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $180,000 |
$180,000 | $180,000 |
$107,000 | $107,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ST. LANDRY BANK & TRUST CO by:
Metropolitan Area And
County
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