Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2007
In 2007, Britton & Koontz Bank, N.A. of Natchez, MS reported 366 mortgage applications totaling $40.1 million, up 39% from 2006. The average application was for $109,661, and applicants reported an average income of $65,142. 70% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Baton Rouge, LA (28), Jackson, MS (11) and Monroe, LA (1) (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 | 366 |
| Total Mortgage Loan Application Amount | $40,136,000 |
| Average Mortgage Loan Application Amount | $109,661 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $65,142 |
| Highest Applicant Income | $1,050,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 165 | $ 14,588,000 | $ 88,412 | $ 52,000 |
| Warren, Mississippi | 113 | $ 13,008,000 | $ 115,115 | $ 59,000 |
| Concordia, Louisiana | 26 | $ 3,533,000 | $ 135,884 | $ 119,000 |
| East Baton Rouge, Louisiana | 19 | $ 4,020,000 | $ 211,578 | $ 111,000 |
| Hinds, Mississippi | 7 | $ 622,000 | $ 88,857 | $ 62,000 |
| Livingston, Louisiana | 6 | $ 505,000 | $ 84,166 | $ 49,000 |
| Franklin, Mississippi | 4 | $ 215,000 | $ 53,750 | $ 30,000 |
| Wilkinson, Mississippi | 4 | $ 400,000 | $ 100,000 | $ 91,000 |
| Catahoula, Louisiana | 3 | $ 338,000 | $ 112,666 | $ 365,000 |
| Claiborne, Mississippi | 3 | $ 146,000 | $ 48,666 | $ 34,000 |
| Ascension, Louisiana | 2 | $ 181,000 | $ 90,500 | $ 67,000 |
| Copiah, Mississippi | 2 | $ 241,000 | $ 120,500 | $ 44,000 |
| Jefferson, Mississippi | 2 | $ 132,000 | $ 66,000 | $ 33,000 |
| Madison, Louisiana | 1 | $ 131,000 | $ 131,000 | $ 92,000 |
| Orleans, Louisiana | 1 | $ 540,000 | $ 540,000 | $ 178,000 |
| Ouachita, Louisiana | 1 | $ 157,000 | $ 157,000 | $ 41,000 |
| Pointe Coupee, Louisiana | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Tensas, Louisiana | 1 | $ 47,000 | $ 47,000 | $ 47,000 |
| Lincoln, Mississippi | 1 | $ 66,000 | $ 66,000 | $ 20,000 |
| Madison, Mississippi | 1 | $ 148,000 | $ 148,000 | $ 80,000 |
| Pike, Mississippi | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Rankin, Mississippi | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Smith, Texas | 1 | $ 177,000 | $ 177,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2007
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 | 190 | $23,309,000 | $122,000 | $765,000 | $63,000 | $1,050,000 |
| Refinancing | 144 | $15,916,000 | $110,000 | $350,000 | $72,000 | $539,000 |
| Home Improvement | 32 | $911,000 | $28,000 | $450,000 | $47,000 | $217,000 |
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 | 264 | $31,583,000 | $119,000 | $540,000 | $75,000 | $1,050,000 |
| Black or African American | 80 | $4,809,000 | $60,000 | $228,000 | $41,000 | $161,000 |
| Not applicable | 9 | $2,251,000 | $250,000 | $765,000 | $0 | $0 |
| Hispanic | 8 | $760,000 | $95,000 | $320,000 | $49,000 | $113,000 |
| Asian | 2 | $130,000 | $65,000 | $90,000 | $70,000 | $100,000 |
| Not Provided | 2 | $410,000 | $205,000 | $350,000 | $94,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $193,000 | $193,000 | $193,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 324 | $35,858,000 | $110,000 | $765,000 | $68,000 | $1,050,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,673,000 | $106,000 | $219,000 | $42,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $948,000 | $86,000 | $171,000 | $45,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 6 | $657,000 | $109,000 | $177,000 | $58,000 | $85,000 |
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 | 257 | $30,818,000 | $119,000 | $765,000 | $65,000 | $500,000 |
| Application Denied By Financial Institution | 57 | $4,153,000 | $72,000 | $401,000 | $38,000 | $179,000 |
| Application Approved But Not Accepted | 45 | $4,345,000 | $96,000 | $260,000 | $79,000 | $539,000 |
| Application Withdrawn By Applicant | 7 | $820,000 | $117,000 | $236,000 | $215,000 | $1,050,000 |
| 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 | 35 | $2,165,000 | $61,000 | $188,000 | $32,000 | $95,000 |
| Debt-To-Income Ratio | 15 | $1,289,000 | $85,000 | $401,000 | $36,000 | $137,000 |
| Collateral | 4 | $456,000 | $114,000 | $302,000 | $100,000 | $179,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $110,000 | $110,000 | $110,000 | $18,000 | $18,000 |
| Employment History | 1 | $83,000 | $83,000 | $83,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2007 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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