Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2004
In 2004, Britton & Koontz Bank, N.A. of Natchez, MS reported 716 mortgage applications totaling $71.5 million, down 45% from 2003. The average application was for $99,844, and applicants reported an average income of $76,614. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Baton Rouge, LA (109), Jackson, MS (37) and New Orleans-Metairie-Kenner, LA (3) (applications in parentheses).
| Mortgage Company & Address | Britton & Koontz Bank, N.A. 500 Main Street Natchez, MS 39120 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 716 |
| Total Mortgage Loan Application Amount | $71,489,000 |
| Average Mortgage Loan Application Amount | $99,844 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $76,614 |
| Highest Applicant Income | $2,049,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Adams, Mississippi | 278 | $ 21,136,000 | $ 76,028 | $ 45,000 |
| Warren, Mississippi | 177 | $ 19,052,000 | $ 107,638 | $ 67,000 |
| East Baton Rouge, Louisiana | 92 | $ 13,007,000 | $ 141,380 | $ 104,000 |
| Concordia, Louisiana | 38 | $ 2,908,000 | $ 76,526 | $ 98,000 |
| Hinds, Mississippi | 15 | $ 1,773,000 | $ 118,200 | $ 194,000 |
| Jefferson, Mississippi | 13 | $ 885,000 | $ 68,076 | $ 59,000 |
| Madison, Mississippi | 11 | $ 1,370,000 | $ 124,545 | $ 63,000 |
| Rankin, Mississippi | 10 | $ 1,032,000 | $ 103,200 | $ 48,000 |
| Franklin, Mississippi | 9 | $ 469,000 | $ 52,111 | $ 38,000 |
| Ascension, Louisiana | 8 | $ 1,666,000 | $ 208,250 | $ 233,000 |
| Livingston, Louisiana | 6 | $ 797,000 | $ 132,833 | $ 64,000 |
| Oktibbeha, Mississippi | 6 | $ 720,000 | $ 120,000 | $ 282,000 |
| Wilkinson, Mississippi | 6 | $ 298,000 | $ 49,666 | $ 53,000 |
| Yazoo, Mississippi | 4 | $ 355,000 | $ 88,750 | $ 51,000 |
| Baldwin, Alabama | 3 | $ 803,000 | $ 267,666 | $ 290,000 |
| Claiborne, Mississippi | 3 | $ 263,000 | $ 87,666 | $ 42,000 |
| Caddo, Louisiana | 2 | $ 193,000 | $ 96,500 | $ 46,000 |
| Catahoula, Louisiana | 2 | $ 92,000 | $ 46,000 | $ 61,000 |
| Lafayette, Louisiana | 2 | $ 248,000 | $ 124,000 | $ 56,000 |
| Madison, Louisiana | 2 | $ 97,000 | $ 48,500 | $ 33,000 |
| Morehouse, Louisiana | 2 | $ 348,000 | $ 174,000 | $ 77,000 |
| Tensas, Louisiana | 2 | $ 225,000 | $ 112,500 | $ 104,000 |
| Amite, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 69,000 |
| Jackson, Mississippi | 2 | $ 274,000 | $ 137,000 | $ 102,000 |
| Lamar, Mississippi | 2 | $ 258,000 | $ 129,000 | $ 64,000 |
| Los Angeles, California | 1 | $ 1,125,000 | $ 1,125,000 | $ 692,000 |
| Okaloosa, Florida | 1 | $ 196,000 | $ 196,000 | $ 180,000 |
| Sarasota, Florida | 1 | $ 157,000 | $ 157,000 | $ 92,000 |
| Assumption, Louisiana | 1 | $ 94,000 | $ 94,000 | $ 48,000 |
| Calcasieu, Louisiana | 1 | $ 92,000 | $ 92,000 | $ 38,000 |
| Jefferson, Louisiana | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Orleans, Louisiana | 1 | $ 253,000 | $ 253,000 | $ 250,000 |
| Ouachita, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Pointe Coupee, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Rapides, Louisiana | 1 | $ 170,000 | $ 170,000 | $ 130,000 |
| St. Tammany, Louisiana | 1 | $ 60,000 | $ 60,000 | $ 181,000 |
| West Baton Rouge, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| West Feliciana, Louisiana | 1 | $ 136,000 | $ 136,000 | $ 89,000 |
| Copiah, Mississippi | 1 | $ 46,000 | $ 46,000 | $ 55,000 |
| Hancock, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 134,000 |
| Issaquena, Mississippi | 1 | $ 43,000 | $ 43,000 | $ 46,000 |
| Marion, Mississippi | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Washington, Mississippi | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Davidson, Tennessee | 1 | $ 127,000 | $ 127,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2004
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 | 359 | $36,331,000 | $165,800 | $650,000 | $89,400 | $2,049,000 |
| Refinancing | 318 | $33,502,000 | $354,800 | $1,125,000 | $290,000 | $840,000 |
| Home Improvement | 39 | $1,656,000 | $109,000 | $499,000 | $132,000 | $901,000 |
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 | 517 | $57,155,000 | $320,666 | $1,125,000 | $218,333 | $2,049,000 |
| Black or African American | 168 | $10,424,000 | $64,500 | $392,000 | $46,500 | $284,000 |
| Not applicable | 20 | $2,319,000 | $116,000 | $383,000 | $154,500 | $370,000 |
| American Indian or Alaskan Native | 4 | $303,000 | $90,500 | $148,000 | $513,000 | $973,000 |
| Hispanic | 3 | $593,000 | $231,500 | $334,000 | $95,000 | $119,000 |
| Asian | 2 | $532,000 | $266,000 | $270,000 | $173,500 | $275,000 |
| Not Provided | 2 | $163,000 | $81,500 | $103,000 | $100,500 | $167,000 |
| 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) | 607 | $61,931,000 | $318,833 | $1,125,000 | $221,833 | $2,049,000 |
| FHA-insured (Federal Housing Administration) | 88 | $7,495,000 | $84,000 | $163,000 | $47,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,063,000 | $101,000 | $247,000 | $46,500 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 573 | $61,795,000 | $319,666 | $1,125,000 | $224,833 | $2,049,000 |
| Application Denied By Financial Institution | 75 | $3,212,000 | $52,000 | $130,000 | $37,000 | $240,000 |
| Application Withdrawn By Applicant | 42 | $3,557,000 | $86,000 | $270,000 | $52,000 | $115,000 |
| Application Approved But Not Accepted | 26 | $2,925,000 | $134,500 | $650,000 | $76,500 | $287,000 |
| 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 | 55 | $2,274,000 | $46,000 | $130,000 | $38,000 | $240,000 |
| Debt-To-Income Ratio | 13 | $609,000 | $79,000 | $117,000 | $40,500 | $91,000 |
| Employment History | 2 | $84,000 | $42,000 | $64,000 | $14,000 | $26,000 |
| Collateral | 2 | $136,000 | $68,000 | $91,000 | $26,000 | $30,000 |
| Other | 2 | $73,000 | $36,000 | $41,000 | $14,000 | $15,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $36,000 | $36,000 | $36,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2004 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 Britton & Koontz Bank, N.A.'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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