Britton & Koontz Bank, N.A. Mortgage Lending & HMDA Data, 2009
In 2009, Britton & Koontz Bank, N.A. of Natchez, MS reported 283 mortgage applications totaling $38.8 million, down 4% from 2008. The average application was for $137,028, and applicants reported an average income of $75,024. 60% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Baton Rouge, LA (30), Jackson, MS (15) and Lake Charles, LA (1) (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 | 283 |
| Total Mortgage Loan Application Amount | $38,779,000 |
| Average Mortgage Loan Application Amount | $137,028 |
| Highest Mortgage Loan Application Amount | $4,350,000 |
| Average Applicant Income | $75,024 |
| Highest Applicant Income | $521,000 |
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records Britton & Koontz Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Britton & Koontz Bank, N.A. in 2009
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 | 130 | $25,018,000 | $192,000 | $4,350,000 | $87,000 | $521,000 |
| Home Purchase | 97 | $12,900,000 | $132,000 | $549,000 | $74,000 | $336,000 |
| Home Improvement | 56 | $861,000 | $15,000 | $215,000 | $49,000 | $279,000 |
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 | 191 | $25,262,000 | $132,000 | $417,000 | $91,000 | $521,000 |
| Black or African American | 74 | $3,599,000 | $48,000 | $276,000 | $49,000 | $320,000 |
| Not applicable | 12 | $9,284,000 | $773,000 | $4,350,000 | $0 | $0 |
| Not Provided | 3 | $296,000 | $98,000 | $240,000 | $72,000 | $120,000 |
| Asian | 2 | $336,000 | $168,000 | $208,000 | $33,000 | $46,000 |
| Hispanic | 1 | $2,000 | $2,000 | $2,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 205 | $28,786,000 | $140,000 | $4,350,000 | $81,000 | $521,000 |
| FHA-insured (Federal Housing Administration) | 60 | $7,912,000 | $131,000 | $239,000 | $63,000 | $320,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,180,000 | $98,000 | $158,000 | $35,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 6 | $901,000 | $150,000 | $315,000 | $65,000 | $110,000 |
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 | 170 | $26,418,000 | $155,000 | $4,350,000 | $83,000 | $521,000 |
| Application Denied By Financial Institution | 61 | $5,355,000 | $87,000 | $417,000 | $46,000 | $176,000 |
| Application Approved But Not Accepted | 48 | $6,340,000 | $132,000 | $335,000 | $81,000 | $336,000 |
| File Closed For Incompleteness | 4 | $666,000 | $166,000 | $216,000 | $114,000 | $320,000 |
| Application Withdrawn By Applicant | 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 | 41 | $2,779,000 | $67,000 | $300,000 | $47,000 | $176,000 |
| Debt-To-Income Ratio | 10 | $1,066,000 | $106,000 | $292,000 | $32,000 | $88,000 |
| Other | 5 | $478,000 | $95,000 | $170,000 | $58,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $131,000 | $65,000 | $112,000 | $50,000 | $60,000 |
| Unverifiable Information | 1 | $189,000 | $189,000 | $189,000 | $70,000 | $70,000 |
| Employment History | 1 | $417,000 | $417,000 | $417,000 | $80,000 | $80,000 |
| Collateral | 1 | $295,000 | $295,000 | $295,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 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 2009 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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