Abbeville Building & Loan (A State-Chartered Savings Bank) Mortgage Lending & HMDA Data, 2017
In 2017, Abbeville Building & Loan (A State-Chartered Savings Bank) of Abbeville, LA reported 381 mortgage applications totaling $70.2 million, down 23% from 2016. The average application was for $184,354, and applicants reported an average income of $99,454. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lafayette, LA (334), Lake Charles, LA (9) and Alexandria, 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 | 381 |
| Total Mortgage Loan Application Amount | $70,239,000 |
| Average Mortgage Loan Application Amount | $184,354 |
| Highest Mortgage Loan Application Amount | $424,000 |
| Average Applicant Income | $99,454 |
| Highest Applicant Income | $818,000 |
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& Loan (A State-Chartered Savings Bank) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, LA | 334 | $ 60,431,000 | $ 180,931 | $ 96,000 |
| Lake Charles, LA | 9 | $ 1,965,000 | $ 218,333 | $ 110,000 |
| Alexandria, LA | 1 | $ 232,000 | $ 232,000 | $ 97,000 |
| Baton Rouge, LA | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Hammond, LA | 1 | $ 418,000 | $ 418,000 | $ 289,000 |
Mortgage Loan Application Detail Totals for Abbeville Building & Loan (A State-Chartered Savings Bank) in 2017
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 | 215 | $44,117,000 | $205,000 | $424,000 | $100,000 | $509,000 |
| Refinancing | 112 | $18,410,000 | $164,000 | $424,000 | $102,000 | $818,000 |
| Home Improvement | 54 | $7,712,000 | $142,000 | $394,000 | $92,000 | $337,000 |
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 | 336 | $61,037,000 | $181,000 | $424,000 | $101,000 | $818,000 |
| Black or African American | 18 | $3,257,000 | $180,000 | $424,000 | $87,000 | $201,000 |
| Asian | 17 | $3,115,000 | $183,000 | $367,000 | $76,000 | $255,000 |
| Not Provided | 10 | $2,830,000 | $283,000 | $424,000 | $114,000 | $153,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 381 | $70,239,000 | $184,000 | $424,000 | $99,000 | $818,000 |
| 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 | 307 | $56,651,000 | $184,000 | $424,000 | $99,000 | $818,000 |
| Application Denied By Financial Institution | 33 | $5,273,000 | $159,000 | $394,000 | $93,000 | $500,000 |
| File Closed For Incompleteness | 20 | $4,674,000 | $233,000 | $424,000 | $120,000 | $222,000 |
| Application Withdrawn By Applicant | 16 | $2,910,000 | $181,000 | $418,000 | $95,000 | $289,000 |
| Application Approved But Not Accepted | 5 | $731,000 | $146,000 | $208,000 | $97,000 | $162,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Abbeville Building & Loan (A State-Chartered Savings Bank)'s 2017 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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