Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Britton & Koontz Bank, N.A. of Natchez, MS reported 493 mortgage applications totaling $75.6 million, down 2% from 2011. The average application was for $153,375, and applicants reported an average income of $89,064. 68% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Baton Rouge, LA (191), Jackson, MS (12) and New Orleans-Metairie-Kenner, LA (10) (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 | 493 |
| Total Mortgage Loan Application Amount | $75,614,000 |
| Average Mortgage Loan Application Amount | $153,375 |
| Highest Mortgage Loan Application Amount | $1,691,000 |
| Average Applicant Income | $89,064 |
| Highest Applicant Income | $900,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 161 | $ 19,093,000 | $ 118,590 | $ 73,000 |
| East Baton Rouge, Louisiana | 146 | $ 29,759,000 | $ 203,828 | $ 107,000 |
| Warren, Mississippi | 58 | $ 6,087,000 | $ 104,948 | $ 68,000 |
| Concordia, Louisiana | 22 | $ 3,253,000 | $ 147,863 | $ 93,000 |
| Ascension, Louisiana | 21 | $ 3,618,000 | $ 172,285 | $ 71,000 |
| Livingston, Louisiana | 14 | $ 2,321,000 | $ 165,785 | $ 82,000 |
| Jefferson, Mississippi | 9 | $ 135,000 | $ 15,000 | $ 43,000 |
| St. Tammany, Louisiana | 5 | $ 859,000 | $ 171,800 | $ 257,000 |
| Hinds, Mississippi | 5 | $ 794,000 | $ 158,800 | $ 136,000 |
| Catahoula, Louisiana | 4 | $ 866,000 | $ 216,500 | $ 108,000 |
| Iberville, Louisiana | 4 | $ 728,000 | $ 182,000 | $ 63,000 |
| Tangipahoa, Louisiana | 4 | $ 490,000 | $ 122,500 | $ 52,000 |
| Rankin, Mississippi | 4 | $ 803,000 | $ 200,750 | $ 90,000 |
| Wilkinson, Mississippi | 3 | $ 228,000 | $ 76,000 | $ 29,000 |
| East Feliciana, Louisiana | 2 | $ 764,000 | $ 382,000 | $ 174,000 |
| Orleans, Louisiana | 2 | $ 767,000 | $ 383,500 | $ 300,000 |
| West Baton Rouge, Louisiana | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| Claiborne, Mississippi | 2 | $ 268,000 | $ 134,000 | $ 502,000 |
| Franklin, Mississippi | 2 | $ 234,000 | $ 117,000 | $ 85,000 |
| Baldwin, Alabama | 1 | $ 421,000 | $ 421,000 | $ 425,000 |
| Douglas, Georgia | 1 | $ 2,000 | $ 2,000 | $ 38,000 |
| Avoyelles, Louisiana | 1 | $ 234,000 | $ 234,000 | $ 158,000 |
| Caddo, Louisiana | 1 | $ 99,000 | $ 99,000 | $ 99,000 |
| Jefferson, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Lafourche, Louisiana | 1 | $ 81,000 | $ 81,000 | $ 55,000 |
| Ouachita, Louisiana | 1 | $ 188,000 | $ 188,000 | $ 120,000 |
| Pointe Coupee, Louisiana | 1 | $ 668,000 | $ 668,000 | $ 0 |
| St. Bernard, Louisiana | 1 | $ 134,000 | $ 134,000 | $ 51,000 |
| St. Charles, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| St. James, Louisiana | 1 | $ 176,000 | $ 176,000 | $ 57,000 |
| Terrebonne, Louisiana | 1 | $ 54,000 | $ 54,000 | $ 40,000 |
| West Feliciana, Louisiana | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Copiah, Mississippi | 1 | $ 66,000 | $ 66,000 | $ 64,000 |
| Lafayette, Mississippi | 1 | $ 84,000 | $ 84,000 | $ 80,000 |
| Lamar, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 57,000 |
| Leflore, Mississippi | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Lincoln, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Madison, Mississippi | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Oktibbeha, Mississippi | 1 | $ 190,000 | $ 190,000 | $ 59,000 |
| Simpson, Mississippi | 1 | $ 163,000 | $ 163,000 | $ 83,000 |
| Jackson, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Davidson, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2012
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 | 224 | $35,308,000 | $157,000 | $668,000 | $88,000 | $900,000 |
| Home Purchase | 204 | $38,119,000 | $186,000 | $1,691,000 | $103,000 | $616,000 |
| Home Improvement | 65 | $2,187,000 | $33,000 | $417,000 | $49,000 | $198,000 |
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 | 346 | $57,820,000 | $167,000 | $479,000 | $96,000 | $900,000 |
| Black or African American | 108 | $10,220,000 | $94,000 | $417,000 | $76,000 | $600,000 |
| Not Provided | 23 | $2,656,000 | $115,000 | $417,000 | $72,000 | $328,000 |
| Hispanic | 6 | $772,000 | $128,000 | $190,000 | $97,000 | $173,000 |
| Asian | 5 | $863,000 | $172,000 | $357,000 | $67,000 | $136,000 |
| Not applicable | 4 | $3,074,000 | $768,000 | $1,691,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $209,000 | $209,000 | $209,000 | $52,000 | $52,000 |
| 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) | 394 | $60,096,000 | $152,000 | $1,691,000 | $96,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,211,000 | $160,000 | $285,000 | $76,000 | $357,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $6,276,000 | $139,000 | $269,000 | $43,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,031,000 | $225,000 | $346,000 | $93,000 | $177,000 |
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 | 337 | $54,155,000 | $160,000 | $1,691,000 | $94,000 | $616,000 |
| Application Denied By Financial Institution | 94 | $10,848,000 | $115,000 | $417,000 | $64,000 | $600,000 |
| Application Approved But Not Accepted | 61 | $10,549,000 | $172,000 | $417,000 | $103,000 | $900,000 |
| Application Withdrawn By Applicant | 1 | $62,000 | $62,000 | $62,000 | $50,000 | $50,000 |
| 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 | 53 | $5,241,000 | $98,000 | $417,000 | $54,000 | $145,000 |
| Collateral | 19 | $2,755,000 | $145,000 | $390,000 | $90,000 | $600,000 |
| Debt-To-Income Ratio | 12 | $1,424,000 | $118,000 | $307,000 | $58,000 | $224,000 |
| Other | 5 | $459,000 | $91,000 | $240,000 | $57,000 | $124,000 |
| Employment History | 4 | $793,000 | $198,000 | $342,000 | $101,000 | $180,000 |
| Unverifiable Information | 1 | $176,000 | $176,000 | $176,000 | $57,000 | $57,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Britton & Koontz Bank, N.A.'s 2012 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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