Bonvenu Bank, NA Mortgage Lending & HMDA Data, 2007

In 2007, Bonvenu Bank, NA of Bossier City, LA reported 759 mortgage applications totaling $103.3 million, up 32% from 2006. The average application was for $136,162, and applicants reported an average income of $87,902. 89% of its applications resulted in an originated loan and 2% were denied. Its largest market was Shreveport-Bossier City, LA (683).

Mortgage Company & Address Bonvenu Bank, NA
2711 E. Texas Street
Bossier City, LA 71111
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 759
Total Mortgage Loan Application Amount $103,347,000
Average Mortgage Loan Application Amount $136,162
Highest Mortgage Loan Application Amount $845,000
Average Applicant Income $87,902
Highest Applicant Income $1,723,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bonvenu Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Bonvenu Bank, NA by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bossier, Louisiana 385 $ 53,437,000 $ 138,797 $ 81,000
Caddo, Louisiana 296 $ 40,398,000 $ 136,479 $ 102,000
Webster, Louisiana 17 $ 1,073,000 $ 63,117 $ 53,000
De Soto, Louisiana 15 $ 1,810,000 $ 120,666 $ 58,000
Harrison, Texas 6 $ 684,000 $ 114,000 $ 84,000
Bienville, Louisiana 4 $ 178,000 $ 44,500 $ 54,000
Lincoln, Louisiana 4 $ 432,000 $ 108,000 $ 73,000
Claiborne, Louisiana 3 $ 348,000 $ 116,000 $ 67,000
Winn, Louisiana 3 $ 197,000 $ 65,666 $ 50,000
DuPage, Illinois 2 $ 1,510,000 $ 755,000 $ 239,000
East Baton Rouge, Louisiana 2 $ 360,000 $ 180,000 $ 49,000
Jackson, Louisiana 2 $ 122,000 $ 61,000 $ 63,000
Lafayette, Louisiana 2 $ 590,000 $ 295,000 $ 48,000
Natchitoches, Louisiana 2 $ 150,000 $ 75,000 $ 79,000
Richland, Louisiana 2 $ 105,000 $ 52,500 $ 38,000
Columbia, Arkansas 1 $ 19,000 $ 19,000 $ 52,000
Fannin, Georgia 1 $ 375,000 $ 375,000 $ 94,000
Cameron, Louisiana 1 $ 140,000 $ 140,000 $ 138,000
Red River, Louisiana 1 $ 170,000 $ 170,000 $ 197,000
Sabine, Louisiana 1 $ 28,000 $ 28,000 $ 18,000
DeSoto, Mississippi 1 $ 182,000 $ 182,000 $ 84,000
Jackson, Mississippi 1 $ 127,000 $ 127,000 $ 45,000
Dallas, Texas 1 $ 42,000 $ 42,000 $ 106,000
Milam, Texas 1 $ 61,000 $ 61,000 $ 50,000
Rusk, Texas 1 $ 140,000 $ 140,000 $ 58,000
Shelby, Texas 1 $ 65,000 $ 65,000 $ 53,000
Tarrant, Texas 1 $ 152,000 $ 152,000 $ 52,000

Mortgage Loan Application Detail Totals for Bonvenu Bank, NA in 2007

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 381 $54,025,000 $141,000 $716,000 $88,000 $1,723,000
Refinancing 341 $48,117,000 $141,000 $845,000 $88,000 $929,000
Home Improvement 37 $1,205,000 $32,000 $105,000 $86,000 $429,000

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 663 $93,573,000 $141,000 $845,000 $95,000 $1,723,000
Not applicable 37 $2,596,000 $70,000 $500,000 $9,000 $127,000
Black or African American 37 $4,138,000 $111,000 $290,000 $47,000 $153,000
Hispanic 11 $1,564,000 $142,000 $315,000 $68,000 $180,000
Not Provided 7 $826,000 $118,000 $150,000 $52,000 $86,000
Native Hawaiian or Other Pacific Islander 2 $410,000 $205,000 $255,000 $99,000 $119,000
Asian 2 $240,000 $120,000 $170,000 $118,000 $202,000
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) 695 $94,465,000 $135,000 $845,000 $88,000 $1,723,000
FHA-insured (Federal Housing Administration) 34 $4,308,000 $126,000 $190,000 $114,000 $1,516,000
VA-guaranteed (Veterans Administration) 30 $4,574,000 $152,000 $269,000 $54,000 $107,000
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 679 $91,209,000 $134,000 $845,000 $91,000 $1,723,000
Application Withdrawn By Applicant 61 $9,426,000 $154,000 $616,000 $63,000 $480,000
Application Denied By Financial Institution 16 $2,181,000 $136,000 $475,000 $68,000 $143,000
Preapproval Denied by Financial Institution 2 $452,000 $226,000 $343,000 $75,000 $90,000
Application Approved But Not Accepted 1 $79,000 $79,000 $79,000 $79,000 $79,000
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

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 14 $1,595,000 $113,000 $240,000 $68,000 $118,000
Debt-To-Income Ratio 3 $695,000 $231,000 $475,000 $63,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 1 $343,000 $343,000 $343,000 $90,000 $90,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 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 Bonvenu Bank, NA's 2007 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 Bonvenu Bank, NA'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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