Church Point Bank & Trust Co. Mortgage Lending & HMDA Data, 2003
In 2003, Church Point Bank & Trust Co. of Church Point, LA reported 77 mortgage applications totaling $3.5 million. The average application was for $45,922, and applicants reported an average income of $45,428. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lafayette, LA (70), Beaumont-Port Arthur, TX (1) and Houma, LA (1) (applications in parentheses).
| Mortgage Company & Address | Church Point Bank & Trust Co. P. O. Box 100 Church Point, LA 70525 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 77 |
| Total Mortgage Loan Application Amount | $3,536,000 |
| Average Mortgage Loan Application Amount | $45,922 |
| Highest Mortgage Loan Application Amount | $165,000 |
| Average Applicant Income | $45,428 |
| Highest Applicant Income | $210,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Church Point Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lafayette, LA | 70 | $ 3,239,000 | $ 46,271 | $ 42,000 |
| Beaumont-Port Arthur, TX | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Houma, LA | 1 | $ 23,000 | $ 23,000 | $ 48,000 |
| Lake Charles, LA | 1 | $ 139,000 | $ 139,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Church Point Bank & Trust Co. 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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 34 | $1,548,000 | $40,000 | $158,000 | $36,500 | $99,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 32 | $1,515,000 | $47,000 | $165,000 | $49,000 | $187,000 |
| Home Improvement (one-to-four family) | 11 | $473,000 | $43,000 | $113,000 | $67,000 | $210,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 71 | $3,411,000 | $41,500 | $165,000 | $41,500 | $210,000 |
| Black | 5 | $99,000 | $19,000 | $57,000 | $28,000 | $48,000 |
| Information not provided by applicant in mail or telephone application | 1 | $26,000 | $26,000 | $26,000 | $33,000 | $33,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or 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) | 77 | $3,536,000 | $40,500 | $165,000 | $40,500 | $210,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 56 | $2,680,000 | $47,000 | $165,000 | $56,000 | $210,000 |
| Application Denied By Financial Institution | 12 | $428,000 | $35,000 | $100,000 | $30,000 | $60,000 |
| Application Withdrawn By Applicant | 8 | $399,000 | $43,500 | $140,000 | $39,000 | $60,000 |
| Application Approved But Not Accepted | 1 | $29,000 | $29,000 | $29,000 | $30,000 | $30,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $111,000 | $37,000 | $60,000 | $28,000 | $33,000 |
| Other | 3 | $105,000 | $35,000 | $45,000 | $49,000 | $60,000 |
| Debt-To-Income Ratio | 2 | $125,000 | $62,000 | $100,000 | $24,000 | $25,000 |
| Employment History | 2 | $63,000 | $31,000 | $33,000 | $19,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Church Point Bank & Trust Co.'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 Church Point Bank & Trust Co.'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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