Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2006
In 2006, Britton & Koontz Bank, N.A. of Natchez, MS reported 263 mortgage applications totaling $31.1 million, down 58% from 2005. The average application was for $118,220, and applicants reported an average income of $83,307. 62% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Baton Rouge, LA (29), 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 | 263 |
| Total Mortgage Loan Application Amount | $31,092,000 |
| Average Mortgage Loan Application Amount | $118,220 |
| Highest Mortgage Loan Application Amount | $1,131,000 |
| Average Applicant Income | $83,307 |
| Highest Applicant Income | $1,946,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 29 | $ 6,296,000 | $ 217,103 | $ 144,000 |
| Jackson, MS | 4 | $ 510,000 | $ 127,500 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 300,000 | $ 100,000 | $ 331,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 280,000 | $ 280,000 | $ 108,000 |
| San Antonio, TX | 1 | $ 492,000 | $ 492,000 | $ 410,000 |
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2006
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 | 122 | $14,664,000 | $120,000 | $1,131,000 | $86,000 | $772,000 |
| Home Purchase | 114 | $14,910,000 | $130,000 | $843,000 | $85,000 | $1,946,000 |
| Home Improvement | 27 | $1,518,000 | $56,000 | $624,000 | $64,000 | $493,000 |
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 | 175 | $24,119,000 | $137,000 | $1,131,000 | $107,000 | $1,946,000 |
| Black or African American | 73 | $4,421,000 | $60,000 | $259,000 | $41,000 | $123,000 |
| Not applicable | 9 | $2,261,000 | $251,000 | $808,000 | $0 | $0 |
| Hispanic | 3 | $148,000 | $49,000 | $67,000 | $39,000 | $72,000 |
| Not Provided | 2 | $113,000 | $56,000 | $85,000 | $16,000 | $32,000 |
| Asian | 1 | $30,000 | $30,000 | $30,000 | $38,000 | $38,000 |
| 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) | 231 | $27,753,000 | $120,000 | $1,131,000 | $88,000 | $1,946,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,528,000 | $101,000 | $173,000 | $49,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 6 | $721,000 | $120,000 | $217,000 | $35,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $90,000 | $90,000 | $90,000 | $43,000 | $43,000 |
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 | 164 | $20,434,000 | $124,000 | $1,131,000 | $97,000 | $1,946,000 |
| Application Denied By Financial Institution | 54 | $4,613,000 | $85,000 | $259,000 | $38,000 | $207,000 |
| Application Approved But Not Accepted | 34 | $5,172,000 | $152,000 | $417,000 | $100,000 | $570,000 |
| Application Withdrawn By Applicant | 9 | $706,000 | $78,000 | $225,000 | $40,000 | $100,000 |
| File Closed For Incompleteness | 2 | $167,000 | $83,000 | $112,000 | $82,000 | $116,000 |
| 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 | 30 | $2,107,000 | $70,000 | $259,000 | $37,000 | $76,000 |
| Debt-To-Income Ratio | 16 | $1,415,000 | $88,000 | $217,000 | $41,000 | $207,000 |
| Collateral | 3 | $552,000 | $184,000 | $192,000 | $37,000 | $71,000 |
| Other | 3 | $256,000 | $85,000 | $150,000 | $43,000 | $64,000 |
| Employment History | 1 | $33,000 | $33,000 | $33,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $250,000 | $250,000 | $250,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2006 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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