Houma, LA Metro Area Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 17,336 mortgage applications in Houma, LA metro area totaling $1.4 billion. The average application was for $78,886, and applicants reported an average income of $53,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was Capital One NA, with 3,962 applications, followed by Bank One, NA and Ameriquest Mortgage Company.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Louisiana.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2003 |
| Total Number of Mortgage Applications | 17,336 |
| Total Mortgage Loan Application Amount | $1,367,570,000 |
| Average Mortgage Loan Application Amount | $78,886 |
| Highest Mortgage Loan Application Amount | $1,310,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $6,603,000 |
Top Mortgage Lenders in Houma, LA Metro Area (2003)
Ranked by the number of mortgage applications each lender reported in Houma, LA metro area in 2003.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Capital One NA Baton Rouge, LA |
3,962 | $303,199,000 | $76,000 | $58,000 |
| 2 | Bank One, NA Utica, MI |
1,624 | $97,519,000 | $60,000 | $49,000 |
| 3 | Ameriquest Mortgage Company Orange, CA |
1,015 | $92,814,000 | $91,000 | $62,000 |
| 4 | Countrywide Home Loans Westlake Village, CA |
631 | $65,683,000 | $104,000 | $53,000 |
| 5 | Whitney National Bank Jefferson, LA |
605 | $39,887,000 | $65,000 | $56,000 |
| 6 | Irwin Mortgage Corporation Fishers, IN |
582 | $55,878,000 | $96,000 | $39,000 |
| 7 | South Louisiana Bank Houma, LA |
444 | $26,390,000 | $59,000 | $37,000 |
| 8 | Vanderbilt Mortgage Maryville, TN |
431 | $17,959,000 | $41,000 | $34,000 |
| 9 | Chase Manhattan Mortgage Corp Edison, NJ |
402 | $43,125,000 | $107,000 | $60,000 |
| 10 | South Lafourche Bank Larose, LA |
353 | $16,713,000 | $47,000 | $48,000 |
The tables below break down 2003 mortgage applications in Houma, LA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Houma, LA in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 11,519 | $981,603,000 | $85,000 | $1,310,000 | $55,000 | $6,603,000 |
| Home Purchase (one-to-four family) | 4,140 | $339,928,000 | $82,000 | $613,000 | $50,000 | $2,740,000 |
| Home Improvement (one-to-four family) | 1,662 | $42,268,000 | $25,000 | $330,000 | $55,000 | $960,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 15 | $3,771,000 | $251,000 | $640,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 12,560 | $1,006,573,000 | $80,000 | $1,310,000 | $60,000 | $6,603,000 |
| Information not provided by applicant in mail or telephone application | 2,296 | $181,986,000 | $79,000 | $810,000 | $54,000 | $1,876,000 |
| Black | 1,283 | $81,328,000 | $63,000 | $418,000 | $40,000 | $300,000 |
| Not applicable | 519 | $47,358,000 | $91,000 | $640,000 | $4,000 | $180,000 |
| American Indian or Alaskan Native | 245 | $11,982,000 | $48,000 | $174,000 | $55,000 | $1,500,000 |
| Other | 207 | $19,392,000 | $93,000 | $613,000 | $76,000 | $840,000 |
| Hispanic | 125 | $9,660,000 | $77,000 | $223,000 | $51,000 | $250,000 |
| Asian or Pacific Islander | 101 | $9,291,000 | $91,000 | $354,000 | $62,000 | $348,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 16,301 | $1,281,853,000 | $78,000 | $1,310,000 | $57,000 | $6,603,000 |
| FHA-insured (Federal Housing Administration) | 848 | $65,395,000 | $77,000 | $400,000 | $31,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 175 | $19,088,000 | $109,000 | $225,000 | $25,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,234,000 | $102,000 | $167,000 | $34,000 | $70,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,080 | $746,850,000 | $82,000 | $1,004,000 | $57,000 | $4,000,000 |
| Application Denied By Financial Institution | 4,086 | $264,857,000 | $64,000 | $1,310,000 | $48,000 | $1,876,000 |
| Application Approved But Not Accepted | 1,586 | $113,102,000 | $71,000 | $600,000 | $53,000 | $840,000 |
| Loan Purchased By The Institution | 1,226 | $123,290,000 | $100,000 | $582,000 | $37,000 | $6,603,000 |
| Application Withdrawn By Applicant | 1,087 | $93,484,000 | $86,000 | $525,000 | $59,000 | $900,000 |
| File Closed For Incompleteness | 271 | $25,987,000 | $95,000 | $350,000 | $81,000 | $1,500,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1,234 | $60,910,000 | $49,000 | $420,000 | $44,000 | $1,876,000 |
| Credit Application Incomplete | 683 | $61,315,000 | $89,000 | $810,000 | $59,000 | $600,000 |
| Other | 471 | $32,846,000 | $69,000 | $360,000 | $54,000 | $948,000 |
| Collateral | 452 | $29,508,000 | $65,000 | $371,000 | $59,000 | $960,000 |
| Debt-To-Income Ratio | 399 | $26,789,000 | $67,000 | $1,310,000 | $37,000 | $1,105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 30 | $1,637,000 | $54,000 | $137,000 | $42,000 | $126,000 |
| Unverifiable Information | 27 | $2,373,000 | $87,000 | $314,000 | $69,000 | $209,000 |
| Employment History | 24 | $1,599,000 | $66,000 | $176,000 | $42,000 | $144,000 |
| Mortgage Insurance Denied | 1 | $106,000 | $106,000 | $106,000 | $180,000 | $180,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About