Abbeville Building & Loan (A State-Chartered Savings Bank) Mortgage Lending & HMDA Data, 2019
In 2019, Abbeville Building & Loan (A State-Chartered Savings Bank) of Abbeville, LA reported 384 mortgage applications totaling $72.8 million, up 20% from 2018. The average application was for $189,583, and applicants reported an average income of $114,877. 88% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lafayette, LA (332), Baton Rouge, LA (2) and Houma-Thibodaux, LA (1) (applications in parentheses).
| Mortgage Company & Address | Abbeville Building & Loan (A State-Chartered Savings Bank) 1212 Charity Street Abbeville, LA 70510 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 384 |
| Total Mortgage Loan Application Amount | $72,800,000 |
| Average Mortgage Loan Application Amount | $189,583 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $114,877 |
| Highest Applicant Income | $1,620,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Abbeville Building & Loan (A State-Chartered Savings Bank) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Abbeville Building & Loan (A State-Chartered Savings Bank) in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 205 | $47,675,000 | $232,000 | $485,000 | $119,000 | $1,167,000 |
| Cash-out Refinancing | 102 | $14,950,000 | $146,000 | $445,000 | $115,000 | $1,620,000 |
| Refinancing | 43 | $7,845,000 | $182,000 | $425,000 | $109,000 | $284,000 |
| Other Purpose | 18 | $1,050,000 | $58,000 | $155,000 | $87,000 | $316,000 |
| Home Improvement | 15 | $1,075,000 | $71,000 | $355,000 | $108,000 | $178,000 |
| Not Applicable | 1 | $205,000 | $205,000 | $205,000 | $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 | 281 | $53,455,000 | $190,000 | $485,000 | $113,000 | $1,620,000 |
| Not Provided | 79 | $15,715,000 | $198,000 | $445,000 | $134,000 | $1,167,000 |
| Black or African American | 13 | $1,975,000 | $151,000 | $345,000 | $64,000 | $121,000 |
| Asian | 8 | $870,000 | $108,000 | $185,000 | $70,000 | $110,000 |
| Hispanic | 2 | $580,000 | $290,000 | $305,000 | $99,000 | $128,000 |
| Not applicable | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 384 | $72,800,000 | $189,000 | $485,000 | $115,000 | $1,620,000 |
| 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 |
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 | 338 | $64,590,000 | $191,000 | $485,000 | $115,000 | $1,620,000 |
| Application Denied By Financial Institution | 24 | $3,550,000 | $147,000 | $485,000 | $68,000 | $174,000 |
| Application Approved But Not Accepted | 21 | $4,455,000 | $212,000 | $445,000 | $164,000 | $1,167,000 |
| Loan Purchased By The Institution | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 384 | $72,800,000 | $189,000 | $485,000 | $115,000 | $1,620,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Abbeville Building & Loan (A State-Chartered Savings Bank)'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Abbeville Building & Loan (A State-Chartered Savings Bank)'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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