Abbeville Building & Loan (A State-Chartered Savings Bank) Mortgage Lending & HMDA Data, 2015
In 2015, Abbeville Building & Loan (A State-Chartered Savings Bank) of Abbeville, LA reported 481 mortgage applications totaling $89.9 million, down 2% from 2014. The average application was for $186,881, and applicants reported an average income of $111,525. 85% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lafayette, LA (412), Baton Rouge, LA (2) and Lake Charles, LA (2) (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 | 481 |
| Total Mortgage Loan Application Amount | $89,890,000 |
| Average Mortgage Loan Application Amount | $186,881 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $111,525 |
| Highest Applicant Income | $840,000 |
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& Loan (A State-Chartered Savings Bank) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 266 | $56,113,000 | $210,000 | $417,000 | $113,000 | $840,000 |
| Refinancing | 177 | $29,352,000 | $165,000 | $417,000 | $112,000 | $360,000 |
| Home Improvement | 38 | $4,425,000 | $116,000 | $410,000 | $99,000 | $282,000 |
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 | 424 | $78,339,000 | $184,000 | $417,000 | $114,000 | $840,000 |
| Black or African American | 26 | $5,114,000 | $196,000 | $400,000 | $90,000 | $151,000 |
| Asian | 23 | $5,051,000 | $219,000 | $417,000 | $106,000 | $278,000 |
| Hispanic | 4 | $827,000 | $206,000 | $261,000 | $89,000 | $140,000 |
| American Indian or Alaskan Native | 2 | $212,000 | $106,000 | $112,000 | $79,000 | $81,000 |
| Not applicable | 1 | $107,000 | $107,000 | $107,000 | $0 | $0 |
| Not Provided | 1 | $240,000 | $240,000 | $240,000 | $179,000 | $179,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 481 | $89,890,000 | $186,000 | $417,000 | $112,000 | $840,000 |
| 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 | 409 | $77,663,000 | $189,000 | $417,000 | $114,000 | $840,000 |
| Application Denied By Financial Institution | 47 | $7,158,000 | $152,000 | $394,000 | $88,000 | $253,000 |
| Application Withdrawn By Applicant | 22 | $4,802,000 | $218,000 | $417,000 | $126,000 | $275,000 |
| Application Approved But Not Accepted | 2 | $160,000 | $80,000 | $120,000 | $93,000 | $133,000 |
| Loan Purchased By The Institution | 1 | $107,000 | $107,000 | $107,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2015 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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