Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, Britton & Koontz Bank, N.A. of Natchez, MS reported 630 mortgage applications totaling $61.0 million, down 12% from 2004. The average application was for $96,815, and applicants reported an average income of $63,180. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Baton Rouge, LA (94), Jackson, MS (19) and New Orleans-Metairie-Kenner, LA (7) (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 | 630 |
| Total Mortgage Loan Application Amount | $60,994,000 |
| Average Mortgage Loan Application Amount | $96,815 |
| Highest Mortgage Loan Application Amount | $572,000 |
| Average Applicant Income | $63,180 |
| Highest Applicant Income | $1,313,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 266 | $ 19,191,000 | $ 72,146 | $ 45,000 |
| Warren, Mississippi | 152 | $ 16,495,000 | $ 108,519 | $ 52,000 |
| East Baton Rouge, Louisiana | 72 | $ 11,597,000 | $ 161,069 | $ 88,000 |
| Concordia, Louisiana | 37 | $ 2,666,000 | $ 72,054 | $ 40,000 |
| Hinds, Mississippi | 16 | $ 1,623,000 | $ 101,437 | $ 40,000 |
| Jefferson, Mississippi | 12 | $ 714,000 | $ 59,500 | $ 47,000 |
| Livingston, Louisiana | 8 | $ 799,000 | $ 99,875 | $ 67,000 |
| Ascension, Louisiana | 7 | $ 1,216,000 | $ 173,714 | $ 88,000 |
| Wilkinson, Mississippi | 7 | $ 447,000 | $ 63,857 | $ 45,000 |
| Catahoula, Louisiana | 4 | $ 233,000 | $ 58,250 | $ 104,000 |
| West Feliciana, Louisiana | 4 | $ 527,000 | $ 131,750 | $ 63,000 |
| Lafayette, Mississippi | 4 | $ 237,000 | $ 59,250 | $ 148,000 |
| Orleans, Louisiana | 3 | $ 593,000 | $ 197,666 | $ 156,000 |
| Rapides, Louisiana | 3 | $ 637,000 | $ 212,333 | $ 87,000 |
| Harrison, Mississippi | 3 | $ 321,000 | $ 107,000 | $ 113,000 |
| Lamar, Mississippi | 3 | $ 348,000 | $ 116,000 | $ 51,000 |
| Yazoo, Mississippi | 3 | $ 331,000 | $ 110,333 | $ 59,000 |
| Madison, Louisiana | 2 | $ 224,000 | $ 112,000 | $ 76,000 |
| St. Tammany, Louisiana | 2 | $ 120,000 | $ 60,000 | $ 90,000 |
| West Baton Rouge, Louisiana | 2 | $ 120,000 | $ 60,000 | $ 571,000 |
| Franklin, Mississippi | 2 | $ 52,000 | $ 26,000 | $ 47,000 |
| St. Lucie, Florida | 1 | $ 390,000 | $ 390,000 | $ 132,000 |
| Calcasieu, Louisiana | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| East Feliciana, Louisiana | 1 | $ 232,000 | $ 232,000 | $ 96,000 |
| Franklin, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Iberia, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Jefferson, Louisiana | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
| St. Bernard, Louisiana | 1 | $ 92,000 | $ 92,000 | $ 82,000 |
| Terrebonne, Louisiana | 1 | $ 242,000 | $ 242,000 | $ 200,000 |
| Amite, Mississippi | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Claiborne, Mississippi | 1 | $ 58,000 | $ 58,000 | $ 45,000 |
| Copiah, Mississippi | 1 | $ 84,000 | $ 84,000 | $ 24,000 |
| Covington, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Jackson, Mississippi | 1 | $ 272,000 | $ 272,000 | $ 201,000 |
| Jones, Mississippi | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Leflore, Mississippi | 1 | $ 30,000 | $ 30,000 | $ 25,000 |
| Madison, Mississippi | 1 | $ 220,000 | $ 220,000 | $ 118,000 |
| Rankin, Mississippi | 1 | $ 30,000 | $ 30,000 | $ 106,000 |
| Davidson, Tennessee | 1 | $ 216,000 | $ 216,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2005
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 | 306 | $30,957,000 | $205,250 | $572,000 | $95,750 | $1,313,000 |
| Refinancing | 273 | $28,127,000 | $113,500 | $560,000 | $85,000 | $1,274,000 |
| Home Improvement | 51 | $1,910,000 | $69,500 | $414,000 | $63,000 | $570,000 |
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 | 477 | $49,407,000 | $146,000 | $560,000 | $94,666 | $1,313,000 |
| Black or African American | 118 | $7,098,000 | $105,000 | $436,000 | $57,500 | $235,000 |
| Not applicable | 16 | $2,283,000 | $143,000 | $572,000 | $15,000 | $181,000 |
| Hispanic | 8 | $1,154,000 | $201,666 | $390,000 | $91,000 | $151,000 |
| Not Provided | 5 | $500,000 | $68,000 | $208,000 | $49,500 | $77,000 |
| Asian | 4 | $379,000 | $94,000 | $228,000 | $65,000 | $85,000 |
| American Indian or Alaskan Native | 2 | $173,000 | $86,500 | $140,000 | $64,000 | $80,000 |
| 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) | 565 | $54,741,000 | $205,250 | $572,000 | $101,750 | $1,313,000 |
| FHA-insured (Federal Housing Administration) | 55 | $5,065,000 | $95,000 | $173,000 | $43,500 | $115,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,188,000 | $125,000 | $253,000 | $61,500 | $84,000 |
| 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 | 502 | $50,905,000 | $207,000 | $572,000 | $105,000 | $1,313,000 |
| Application Denied By Financial Institution | 58 | $3,096,000 | $32,500 | $327,000 | $22,500 | $120,000 |
| Application Approved But Not Accepted | 50 | $4,982,000 | $106,000 | $323,000 | $65,500 | $201,000 |
| Application Withdrawn By Applicant | 14 | $1,523,000 | $106,000 | $224,000 | $47,500 | $118,000 |
| File Closed For Incompleteness | 6 | $488,000 | $67,000 | $133,000 | $53,500 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 45 | $2,148,000 | $29,000 | $208,000 | $25,000 | $120,000 |
| Debt-To-Income Ratio | 10 | $581,000 | $37,000 | $193,000 | $12,500 | $58,000 |
| Collateral | 2 | $347,000 | $173,000 | $327,000 | $73,000 | $88,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $28,000 | $28,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2005 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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with aggregated HMDA statistics today.
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