Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Britton & Koontz Bank, N.A. of Natchez, MS reported 498 mortgage applications totaling $74.1 million, up 76% from 2009. The average application was for $148,839, and applicants reported an average income of $83,174. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Baton Rouge, LA (112), Jackson, MS (16) and New Orleans-Metairie-Kenner, LA (4) (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 | 498 |
| Total Mortgage Loan Application Amount | $74,122,000 |
| Average Mortgage Loan Application Amount | $148,839 |
| Highest Mortgage Loan Application Amount | $1,833,000 |
| Average Applicant Income | $83,174 |
| Highest Applicant Income | $615,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 163 | $ 19,345,000 | $ 118,680 | $ 80,000 |
| Warren, Mississippi | 126 | $ 16,752,000 | $ 132,952 | $ 71,000 |
| East Baton Rouge, Louisiana | 84 | $ 19,682,000 | $ 234,309 | $ 113,000 |
| Concordia, Louisiana | 38 | $ 5,396,000 | $ 142,000 | $ 73,000 |
| Livingston, Louisiana | 14 | $ 1,864,000 | $ 133,142 | $ 58,000 |
| Hinds, Mississippi | 11 | $ 1,583,000 | $ 143,909 | $ 57,000 |
| Wilkinson, Mississippi | 7 | $ 694,000 | $ 99,142 | $ 54,000 |
| West Feliciana, Louisiana | 5 | $ 907,000 | $ 181,400 | $ 59,000 |
| Madison, Mississippi | 5 | $ 884,000 | $ 176,800 | $ 43,000 |
| Ascension, Louisiana | 4 | $ 884,000 | $ 221,000 | $ 120,000 |
| Sharkey, Mississippi | 4 | $ 198,000 | $ 49,500 | $ 53,000 |
| Franklin, Mississippi | 3 | $ 278,000 | $ 92,666 | $ 59,000 |
| Jefferson, Mississippi | 3 | $ 402,000 | $ 134,000 | $ 239,000 |
| Baldwin, Alabama | 2 | $ 547,000 | $ 273,500 | $ 347,000 |
| Barbour, Alabama | 2 | $ 320,000 | $ 160,000 | $ 36,000 |
| Iberville, Louisiana | 2 | $ 371,000 | $ 185,500 | $ 87,000 |
| Madison, Louisiana | 2 | $ 41,000 | $ 20,500 | $ 41,000 |
| St. Tammany, Louisiana | 2 | $ 262,000 | $ 131,000 | $ 71,000 |
| West Baton Rouge, Louisiana | 2 | $ 307,000 | $ 153,500 | $ 77,000 |
| Lafayette, Mississippi | 2 | $ 280,000 | $ 140,000 | $ 101,000 |
| Calcasieu, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Catahoula, Louisiana | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Franklin, Louisiana | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Jefferson, Louisiana | 1 | $ 250,000 | $ 250,000 | $ 108,000 |
| Lafayette, Louisiana | 1 | $ 208,000 | $ 208,000 | $ 95,000 |
| Orleans, Louisiana | 1 | $ 258,000 | $ 258,000 | $ 105,000 |
| Ouachita, Louisiana | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Pointe Coupee, Louisiana | 1 | $ 690,000 | $ 690,000 | $ 243,000 |
| St. Martin, Louisiana | 1 | $ 264,000 | $ 264,000 | $ 166,000 |
| Tangipahoa, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Vermilion, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 187,000 |
| Claiborne, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Holmes, Mississippi | 1 | $ 98,000 | $ 98,000 | $ 65,000 |
| Lamar, Mississippi | 1 | $ 159,000 | $ 159,000 | $ 150,000 |
| Leflore, Mississippi | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Oktibbeha, Mississippi | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Wise, Texas | 1 | $ 350,000 | $ 350,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 247 | $42,802,000 | $173,000 | $1,833,000 | $92,000 | $579,000 |
| Home Purchase | 208 | $30,881,000 | $148,000 | $996,000 | $81,000 | $615,000 |
| Home Improvement | 43 | $439,000 | $10,000 | $75,000 | $43,000 | $118,000 |
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 | 369 | $59,073,000 | $160,000 | $996,000 | $92,000 | $615,000 |
| Black or African American | 104 | $8,658,000 | $83,000 | $417,000 | $54,000 | $323,000 |
| Hispanic | 10 | $1,519,000 | $151,000 | $317,000 | $93,000 | $210,000 |
| Not applicable | 8 | $3,575,000 | $446,000 | $1,833,000 | $0 | $0 |
| Asian | 6 | $1,152,000 | $192,000 | $400,000 | $119,000 | $489,000 |
| Not Provided | 1 | $145,000 | $145,000 | $145,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 336 | $52,137,000 | $155,000 | $1,833,000 | $96,000 | $615,000 |
| FHA-insured (Federal Housing Administration) | 87 | $12,408,000 | $142,000 | $277,000 | $65,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $7,502,000 | $117,000 | $238,000 | $40,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,075,000 | $188,000 | $317,000 | $72,000 | $210,000 |
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 | 364 | $53,534,000 | $147,000 | $1,833,000 | $86,000 | $615,000 |
| Application Denied By Financial Institution | 82 | $11,600,000 | $141,000 | $779,000 | $61,000 | $304,000 |
| Application Approved But Not Accepted | 48 | $8,359,000 | $174,000 | $996,000 | $91,000 | $489,000 |
| File Closed For Incompleteness | 3 | $573,000 | $191,000 | $275,000 | $155,000 | $372,000 |
| Application Withdrawn By Applicant | 1 | $56,000 | $56,000 | $56,000 | $115,000 | $115,000 |
| 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 | 47 | $5,796,000 | $123,000 | $702,000 | $58,000 | $250,000 |
| Debt-To-Income Ratio | 17 | $2,012,000 | $118,000 | $417,000 | $46,000 | $141,000 |
| Collateral | 15 | $3,008,000 | $200,000 | $779,000 | $89,000 | $304,000 |
| Credit Application Incomplete | 1 | $417,000 | $417,000 | $417,000 | $0 | $0 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $256,000 | $256,000 | $256,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2010 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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