Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2008
In 2008, Britton & Koontz Bank, N.A. of Natchez, MS reported 296 mortgage applications totaling $39.4 million, down 19% from 2007. The average application was for $133,256, and applicants reported an average income of $75,054. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Baton Rouge, LA (20), Jackson, MS (4) 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 | 296 |
| Total Mortgage Loan Application Amount | $39,444,000 |
| Average Mortgage Loan Application Amount | $133,256 |
| Highest Mortgage Loan Application Amount | $4,350,000 |
| Average Applicant Income | $75,054 |
| Highest Applicant Income | $2,157,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 135 | $ 12,658,000 | $ 93,762 | $ 56,000 |
| Warren, Mississippi | 86 | $ 10,684,000 | $ 124,232 | $ 69,000 |
| Concordia, Louisiana | 26 | $ 2,542,000 | $ 97,769 | $ 71,000 |
| East Baton Rouge, Louisiana | 16 | $ 3,501,000 | $ 218,812 | $ 178,000 |
| Hinds, Mississippi | 4 | $ 283,000 | $ 70,750 | $ 65,000 |
| Jefferson, Mississippi | 4 | $ 378,000 | $ 94,500 | $ 46,000 |
| Ascension, Louisiana | 2 | $ 374,000 | $ 187,000 | $ 113,000 |
| Orleans, Louisiana | 2 | $ 551,000 | $ 275,500 | $ 163,000 |
| Claiborne, Mississippi | 2 | $ 58,000 | $ 29,000 | $ 33,000 |
| Sunflower, Mississippi | 2 | $ 231,000 | $ 115,500 | $ 20,000 |
| Wilkinson, Mississippi | 2 | $ 348,000 | $ 174,000 | $ 43,000 |
| DeKalb, Georgia | 1 | $ 193,000 | $ 193,000 | $ 100,000 |
| Calcasieu, Louisiana | 1 | $ 4,350,000 | $ 4,350,000 | $ 0 |
| Livingston, Louisiana | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Ouachita, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Pointe Coupee, Louisiana | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Rapides, Louisiana | 1 | $ 123,000 | $ 123,000 | $ 47,000 |
| St. John the Baptist, Louisiana | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Tensas, Louisiana | 1 | $ 77,000 | $ 77,000 | $ 216,000 |
| Terrebonne, Louisiana | 1 | $ 176,000 | $ 176,000 | $ 72,000 |
| Franklin, Mississippi | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Jackson, Mississippi | 1 | $ 1,177,000 | $ 1,177,000 | $ 0 |
| Lee, Mississippi | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Stone, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Suffolk, New York | 1 | $ 260,000 | $ 260,000 | $ 46,000 |
| Shelby, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 2,157,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2008
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 | 127 | $22,070,000 | $173,000 | $4,350,000 | $82,000 | $2,157,000 |
| Refinancing | 123 | $16,589,000 | $134,000 | $1,177,000 | $78,000 | $1,107,000 |
| Home Improvement | 46 | $785,000 | $17,000 | $103,000 | $48,000 | $569,000 |
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 | 196 | $24,882,000 | $126,000 | $495,000 | $93,000 | $2,157,000 |
| Black or African American | 76 | $4,836,000 | $63,000 | $368,000 | $48,000 | $181,000 |
| Not applicable | 19 | $9,032,000 | $475,000 | $4,350,000 | $0 | $0 |
| Hispanic | 3 | $264,000 | $88,000 | $105,000 | $34,000 | $40,000 |
| Asian | 2 | $430,000 | $215,000 | $260,000 | $173,000 | $301,000 |
| 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) | 231 | $31,224,000 | $135,000 | $4,350,000 | $79,000 | $2,157,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,874,000 | $119,000 | $237,000 | $64,000 | $301,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,619,000 | $179,000 | $368,000 | $66,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $727,000 | $103,000 | $126,000 | $43,000 | $62,000 |
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 | 211 | $30,785,000 | $145,000 | $4,350,000 | $83,000 | $2,157,000 |
| Application Denied By Financial Institution | 45 | $3,741,000 | $83,000 | $260,000 | $41,000 | $215,000 |
| Application Approved But Not Accepted | 36 | $4,278,000 | $118,000 | $370,000 | $74,000 | $181,000 |
| Application Withdrawn By Applicant | 4 | $640,000 | $160,000 | $368,000 | $60,000 | $100,000 |
| 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 | 28 | $1,950,000 | $69,000 | $200,000 | $43,000 | $215,000 |
| Debt-To-Income Ratio | 15 | $1,517,000 | $101,000 | $260,000 | $35,000 | $61,000 |
| Employment History | 1 | $157,000 | $157,000 | $157,000 | $47,000 | $47,000 |
| Collateral | 1 | $117,000 | $117,000 | $117,000 | $59,000 | $59,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2008 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.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About