Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2003
In 2003, Britton & Koontz Bank, N.A. of Natchez, MS reported 1,299 mortgage applications totaling $126.7 million. The average application was for $97,523, and applicants reported an average income of $67,971. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Baton Rouge, LA (223), Jackson, MS (71) and Biloxi-Gulfport-Pascagoula, MS (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 | 1,299 |
| Total Mortgage Loan Application Amount | $126,683,000 |
| Average Mortgage Loan Application Amount | $97,523 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $67,971 |
| Highest Applicant Income | $2,049,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baton Rouge, LA | 223 | $ 28,011,000 | $ 125,609 | $ 81,000 |
| Jackson, MS | 71 | $ 8,556,000 | $ 120,507 | $ 61,000 |
| Biloxi-Gulfport-Pascagoula, MS | 4 | $ 335,000 | $ 83,750 | $ 112,000 |
| Hattiesburg, MS | 3 | $ 208,000 | $ 69,333 | $ 96,000 |
| Lafayette, LA | 2 | $ 324,000 | $ 162,000 | $ 116,000 |
| New Orleans, LA | 2 | $ 199,000 | $ 99,500 | $ 75,000 |
| Savannah, GA | 2 | $ 351,000 | $ 175,500 | $ 1,042,000 |
| Jacksonville, FL | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Lake Charles, LA | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Monroe, LA | 1 | $ 83,000 | $ 83,000 | $ 98,000 |
| Shreveport-Bossier City, LA | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2003
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 (home purchase or home improvement, one-to-four family) | 851 | $87,622,000 | $135,250 | $755,000 | $97,500 | $2,034,000 |
| Home Purchase (one-to-four family) | 400 | $37,416,000 | $131,750 | $323,000 | $570,750 | $2,049,000 |
| Home Improvement (one-to-four family) | 47 | $1,308,000 | $39,000 | $200,000 | $38,500 | $175,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $337,000 | $337,000 | $337,000 | $0 | $0 |
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 | 1,065 | $111,740,000 | $136,250 | $755,000 | $332,000 | $2,049,000 |
| Black | 192 | $10,959,000 | $57,000 | $229,000 | $46,000 | $415,000 |
| American Indian or Alaskan Native | 13 | $1,119,000 | $102,000 | $194,000 | $77,500 | $175,000 |
| Asian or Pacific Islander | 8 | $647,000 | $63,000 | $160,000 | $143,500 | $229,000 |
| Other | 7 | $704,000 | $99,500 | $180,000 | $94,500 | $180,000 |
| Information not provided by applicant in mail or telephone application | 6 | $599,000 | $112,500 | $205,000 | $53,500 | $84,000 |
| Not applicable | 5 | $709,000 | $110,000 | $400,000 | $492,500 | $2,034,000 |
| Hispanic | 3 | $206,000 | $81,500 | $120,000 | $49,000 | $72,000 |
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) | 1,204 | $118,789,000 | $133,750 | $755,000 | $334,500 | $2,049,000 |
| FHA-insured (Federal Housing Administration) | 79 | $6,503,000 | $86,500 | $143,000 | $44,500 | $119,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,391,000 | $85,000 | $206,000 | $52,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,054 | $106,010,000 | $134,750 | $755,000 | $339,500 | $2,049,000 |
| Application Denied By Financial Institution | 124 | $8,291,000 | $75,000 | $430,000 | $37,000 | $189,000 |
| Application Withdrawn By Applicant | 69 | $6,264,000 | $106,000 | $250,000 | $66,500 | $415,000 |
| Application Approved But Not Accepted | 47 | $5,412,000 | $112,500 | $657,000 | $55,500 | $306,000 |
| File Closed For Incompleteness | 5 | $706,000 | $132,500 | $276,000 | $57,500 | $118,000 |
| Loan Purchased By The 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 | 81 | $4,070,000 | $57,500 | $205,000 | $32,500 | $86,000 |
| Debt-To-Income Ratio | 24 | $2,195,000 | $97,000 | $376,000 | $37,500 | $124,000 |
| Other | 8 | $1,078,000 | $98,000 | $430,000 | $43,500 | $189,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $314,000 | $62,000 | $137,000 | $30,000 | $57,000 |
| Collateral | 4 | $418,000 | $104,000 | $162,000 | $58,000 | $80,000 |
| Employment History | 1 | $72,000 | $72,000 | $72,000 | $36,000 | $36,000 |
| Unverifiable Information | 1 | $144,000 | $144,000 | $144,000 | $66,000 | $66,000 |
| 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 2003 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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