American Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, American Bank & Trust Company of Opelousas, LA reported 172 mortgage applications totaling $18.7 million, up 34% from 2012. The average application was for $108,529, and applicants reported an average income of $113,401. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lafayette, LA (39), Baton Rouge, LA (4) and New Orleans-Metairie-Kenner, LA (4) (applications in parentheses).
| Mortgage Company & Address | American Bank & Trust Company 321 E Landry St Opelousas, LA 70570 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 172 |
| Total Mortgage Loan Application Amount | $18,667,000 |
| Average Mortgage Loan Application Amount | $108,529 |
| Highest Mortgage Loan Application Amount | $1,467,000 |
| Average Applicant Income | $113,401 |
| Highest Applicant Income | $1,588,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Landry, Louisiana | 118 | $ 12,247,000 | $ 103,788 | $ 111,000 |
| Lafayette, Louisiana | 35 | $ 3,835,000 | $ 109,571 | $ 92,000 |
| St. Martin, Louisiana | 4 | $ 208,000 | $ 52,000 | $ 51,000 |
| Acadia, Louisiana | 2 | $ 286,000 | $ 143,000 | $ 142,000 |
| Avoyelles, Louisiana | 2 | $ 106,000 | $ 53,000 | $ 96,000 |
| East Baton Rouge, Louisiana | 2 | $ 282,000 | $ 141,000 | $ 0 |
| Jefferson, Louisiana | 2 | $ 424,000 | $ 212,000 | $ 355,000 |
| St. Tammany, Louisiana | 2 | $ 856,000 | $ 428,000 | $ 416,000 |
| Calcasieu, Louisiana | 1 | $ 12,000 | $ 12,000 | $ 66,000 |
| Evangeline, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Iberia, Louisiana | 1 | $ 10,000 | $ 10,000 | $ 450,000 |
| Livingston, Louisiana | 1 | $ 129,000 | $ 129,000 | $ 77,000 |
| Pointe Coupee, Louisiana | 1 | $ 157,000 | $ 157,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company in 2013
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 | 65 | $9,931,000 | $152,000 | $1,467,000 | $152,000 | $1,588,000 |
| Home Improvement | 56 | $2,264,000 | $40,000 | $1,288,000 | $89,000 | $989,000 |
| Home Purchase | 51 | $6,472,000 | $126,000 | $428,000 | $91,000 | $648,000 |
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 | 116 | $13,198,000 | $113,000 | $1,467,000 | $157,000 | $1,588,000 |
| Not applicable | 36 | $4,768,000 | $132,000 | $1,024,000 | $0 | $0 |
| Black or African American | 18 | $539,000 | $29,000 | $293,000 | $58,000 | $289,000 |
| Hispanic | 1 | $157,000 | $157,000 | $157,000 | $200,000 | $200,000 |
| Asian | 1 | $5,000 | $5,000 | $5,000 | $80,000 | $80,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 172 | $18,667,000 | $108,000 | $1,467,000 | $113,000 | $1,588,000 |
| 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 | 152 | $17,117,000 | $112,000 | $1,467,000 | $120,000 | $1,588,000 |
| Application Withdrawn By Applicant | 15 | $1,433,000 | $95,000 | $428,000 | $65,000 | $262,000 |
| Application Denied By Financial Institution | 5 | $117,000 | $23,000 | $74,000 | $37,000 | $96,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $111,000 | $37,000 | $74,000 | $42,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $6,000 | $3,000 | $5,000 | $29,000 | $39,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust Company's 2013 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 American Bank & Trust Company'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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