American Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, American Bank & Trust Company of Opelousas, LA reported 124 mortgage applications totaling $13.8 million, up 12% from 2015. The average application was for $111,088, and applicants reported an average income of $75,040. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lafayette, LA (35) and Baton Rouge, LA (16).
| 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 | 124 |
| Total Mortgage Loan Application Amount | $13,775,000 |
| Average Mortgage Loan Application Amount | $111,088 |
| Highest Mortgage Loan Application Amount | $818,000 |
| Average Applicant Income | $75,040 |
| Highest Applicant Income | $400,000 |
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records American Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 70 | $ 7,235,000 | $ 103,357 | $ 97,000 |
| Lafayette, Louisiana | 30 | $ 4,038,000 | $ 134,600 | $ 35,000 |
| Livingston, Louisiana | 9 | $ 1,048,000 | $ 116,444 | $ 70,000 |
| East Baton Rouge, Louisiana | 7 | $ 632,000 | $ 90,285 | $ 58,000 |
| St. Martin, Louisiana | 3 | $ 106,000 | $ 35,333 | $ 19,000 |
| Acadia, Louisiana | 2 | $ 174,000 | $ 87,000 | $ 74,000 |
| Montgomery, Arkansas | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 10,000 | $ 10,000 | $ 205,000 |
| Sabine, Louisiana | 1 | $ 320,000 | $ 320,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company in 2016
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 | 51 | $7,853,000 | $153,000 | $482,000 | $61,000 | $396,000 |
| Home Improvement | 39 | $915,000 | $23,000 | $163,000 | $76,000 | $225,000 |
| Refinancing | 34 | $5,007,000 | $147,000 | $818,000 | $95,000 | $400,000 |
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 | 80 | $9,009,000 | $112,000 | $547,000 | $103,000 | $400,000 |
| Not applicable | 28 | $4,071,000 | $145,000 | $818,000 | $0 | $0 |
| Black or African American | 15 | $532,000 | $35,000 | $264,000 | $62,000 | $225,000 |
| Hispanic | 1 | $163,000 | $163,000 | $163,000 | $183,000 | $183,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 124 | $13,775,000 | $111,000 | $818,000 | $75,000 | $400,000 |
| 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 | 100 | $11,477,000 | $114,000 | $818,000 | $79,000 | $400,000 |
| Application Denied By Financial Institution | 12 | $532,000 | $44,000 | $120,000 | $33,000 | $56,000 |
| Application Withdrawn By Applicant | 11 | $1,696,000 | $154,000 | $547,000 | $92,000 | $293,000 |
| Application Approved But Not Accepted | 1 | $70,000 | $70,000 | $70,000 | $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 | 10 | $516,000 | $51,000 | $120,000 | $37,000 | $56,000 |
| Debt-To-Income Ratio | 1 | $15,000 | $15,000 | $15,000 | $7,000 | $7,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,000 | $1,000 | $1,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2016 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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