City Bank & Trust Co. Mortgage Lending & HMDA Data, 2025
In 2025, City Bank & Trust Co. of Natchitoches, LA reported 111 mortgage applications totaling $25.2 million, up 63% from 2024. The average application was for $227,342, and applicants reported an average income of $188,693. 96% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Shreveport-Bossier City, LA (44), Longview, TX (6) and Tyler, TX (2) (applications in parentheses).
| Mortgage Company & Address | City Bank & Trust Co. 146 St Denis St Natchitoches, LA 71457 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 111 |
| Total Mortgage Loan Application Amount | $25,235,000 |
| Average Mortgage Loan Application Amount | $227,342 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $188,693 |
| Highest Applicant Income | $924,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for City Bank & Trust Co. in 2025
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 | 67 | $17,845,000 | $266,000 | $925,000 | $227,000 | $924,000 |
| Refinancing | 26 | $5,520,000 | $212,000 | $555,000 | $156,000 | $456,000 |
| Home Improvement | 9 | $805,000 | $89,000 | $305,000 | $90,000 | $142,000 |
| Cash-out Refinancing | 5 | $555,000 | $111,000 | $255,000 | $94,000 | $142,000 |
| Other Purpose | 4 | $510,000 | $127,000 | $245,000 | $100,000 | $176,000 |
| Not Applicable | 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 | 69 | $17,815,000 | $258,000 | $925,000 | $173,000 | $832,000 |
| Not applicable | 33 | $5,695,000 | $172,000 | $655,000 | $0 | $0 |
| Asian | 4 | $950,000 | $237,000 | $275,000 | $616,000 | $924,000 |
| Black or African American | 4 | $630,000 | $157,000 | $235,000 | $123,000 | $196,000 |
| Hispanic | 1 | $145,000 | $145,000 | $145,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 111 | $25,235,000 | $227,000 | $925,000 | $186,000 | $924,000 |
| 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 | 107 | $24,865,000 | $232,000 | $925,000 | $193,000 | $924,000 |
| Application Denied By Financial Institution | 4 | $370,000 | $92,000 | $175,000 | $67,000 | $96,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 107 | $24,865,000 | $232,000 | $925,000 | $193,000 | $924,000 |
| Credit History | 4 | $370,000 | $92,000 | $175,000 | $67,000 | $96,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 City Bank & Trust Co.'s 2025 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 City 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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