Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2011
In 2011, Britton & Koontz Bank, N.A. of Natchez, MS reported 504 mortgage applications totaling $77.3 million, up 1% from 2010. The average application was for $153,404, and applicants reported an average income of $99,944. 66% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Baton Rouge, LA (158), Jackson, MS (11) 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 | 504 |
| Total Mortgage Loan Application Amount | $77,316,000 |
| Average Mortgage Loan Application Amount | $153,404 |
| Highest Mortgage Loan Application Amount | $3,650,000 |
| Average Applicant Income | $99,944 |
| Highest Applicant Income | $2,439,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 169 | $ 18,637,000 | $ 110,278 | $ 74,000 |
| East Baton Rouge, Louisiana | 121 | $ 26,663,000 | $ 220,355 | $ 141,000 |
| Warren, Mississippi | 95 | $ 10,472,000 | $ 110,231 | $ 60,000 |
| Concordia, Louisiana | 30 | $ 5,093,000 | $ 169,766 | $ 140,000 |
| Ascension, Louisiana | 16 | $ 2,874,000 | $ 179,625 | $ 87,000 |
| Livingston, Louisiana | 11 | $ 1,578,000 | $ 143,454 | $ 68,000 |
| Wilkinson, Mississippi | 8 | $ 859,000 | $ 107,375 | $ 109,000 |
| Hinds, Mississippi | 7 | $ 1,597,000 | $ 228,142 | $ 131,000 |
| Jefferson, Mississippi | 7 | $ 671,000 | $ 95,857 | $ 64,000 |
| West Baton Rouge, Louisiana | 4 | $ 963,000 | $ 240,750 | $ 105,000 |
| Orleans, Louisiana | 3 | $ 930,000 | $ 310,000 | $ 149,000 |
| St. Tammany, Louisiana | 3 | $ 692,000 | $ 230,666 | $ 154,000 |
| Lincoln, Mississippi | 3 | $ 293,000 | $ 97,666 | $ 90,000 |
| Madison, Mississippi | 3 | $ 617,000 | $ 205,666 | $ 71,000 |
| Richland, Louisiana | 2 | $ 364,000 | $ 182,000 | $ 143,000 |
| West Feliciana, Louisiana | 2 | $ 575,000 | $ 287,500 | $ 114,000 |
| Claiborne, Mississippi | 2 | $ 105,000 | $ 52,500 | $ 12,000 |
| Baldwin, Alabama | 1 | $ 461,000 | $ 461,000 | $ 791,000 |
| Madison, Alabama | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Acadia, Louisiana | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Catahoula, Louisiana | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| East Feliciana, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Evangeline, Louisiana | 1 | $ 244,000 | $ 244,000 | $ 240,000 |
| Iberville, Louisiana | 1 | $ 190,000 | $ 190,000 | $ 56,000 |
| Jefferson, Louisiana | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 169,000 | $ 169,000 | $ 60,000 |
| Ouachita, Louisiana | 1 | $ 93,000 | $ 93,000 | $ 204,000 |
| Pointe Coupee, Louisiana | 1 | $ 693,000 | $ 693,000 | $ 330,000 |
| St. Helena, Louisiana | 1 | $ 220,000 | $ 220,000 | $ 67,000 |
| Tangipahoa, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Amite, Mississippi | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| Pike, Mississippi | 1 | $ 650,000 | $ 650,000 | $ 87,000 |
| Rankin, Mississippi | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Shelby, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 2,100,000 |
| Wilson, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2011
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 | 230 | $38,634,000 | $167,000 | $750,000 | $97,000 | $791,000 |
| Refinancing | 213 | $37,976,000 | $178,000 | $3,650,000 | $118,000 | $2,439,000 |
| Home Improvement | 61 | $706,000 | $11,000 | $85,000 | $48,000 | $174,000 |
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 | 370 | $60,056,000 | $162,000 | $825,000 | $111,000 | $2,439,000 |
| Black or African American | 98 | $8,094,000 | $82,000 | $417,000 | $65,000 | $325,000 |
| Not Provided | 12 | $1,571,000 | $130,000 | $443,000 | $150,000 | $350,000 |
| Not applicable | 9 | $4,854,000 | $539,000 | $3,650,000 | $0 | $0 |
| Hispanic | 7 | $1,772,000 | $253,000 | $412,000 | $106,000 | $275,000 |
| Asian | 5 | $848,000 | $169,000 | $278,000 | $48,000 | $71,000 |
| American Indian or Alaskan Native | 2 | $61,000 | $30,000 | $58,000 | $61,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $110,000 | $110,000 |
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) | 351 | $54,679,000 | $155,000 | $3,650,000 | $115,000 | $2,439,000 |
| FHA-insured (Federal Housing Administration) | 88 | $13,412,000 | $152,000 | $283,000 | $77,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,824,000 | $128,000 | $258,000 | $43,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,401,000 | $200,000 | $327,000 | $74,000 | $146,000 |
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 | 335 | $52,619,000 | $157,000 | $3,650,000 | $106,000 | $2,439,000 |
| Application Denied By Financial Institution | 105 | $14,154,000 | $134,000 | $825,000 | $73,000 | $540,000 |
| Application Approved But Not Accepted | 60 | $9,976,000 | $166,000 | $750,000 | $116,000 | $2,100,000 |
| Application Withdrawn By Applicant | 4 | $567,000 | $141,000 | $417,000 | $91,000 | $289,000 |
| 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 | 49 | $4,797,000 | $97,000 | $345,000 | $56,000 | $338,000 |
| Collateral | 23 | $4,490,000 | $195,000 | $825,000 | $125,000 | $540,000 |
| Debt-To-Income Ratio | 22 | $2,834,000 | $128,000 | $650,000 | $49,000 | $117,000 |
| Unverifiable Information | 5 | $1,075,000 | $215,000 | $417,000 | $103,000 | $248,000 |
| Employment History | 3 | $389,000 | $129,000 | $246,000 | $51,000 | $80,000 |
| Credit Application Incomplete | 2 | $527,000 | $263,000 | $283,000 | $120,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $42,000 | $42,000 | $42,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2011 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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