City Bank & Trust Co. Mortgage Lending & HMDA Data, 2023
In 2023, City Bank & Trust Co. of Natchitoches, LA reported 75 mortgage applications totaling $18.4 million. The average application was for $245,133, and applicants reported an average income of $157,253. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Shreveport-Bossier City, LA (22), Daphne-Fairhope-Foley, AL (2) and Alexandria, LA (1) (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 | 75 |
| Total Mortgage Loan Application Amount | $18,385,000 |
| Average Mortgage Loan Application Amount | $245,133 |
| Highest Mortgage Loan Application Amount | $2,195,000 |
| Average Applicant Income | $157,253 |
| Highest Applicant Income | $864,000 |
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(HMDA) records City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 52 | $15,480,000 | $297,000 | $2,195,000 | $170,000 | $864,000 |
| Home Improvement | 8 | $690,000 | $86,000 | $255,000 | $104,000 | $192,000 |
| Other Purpose | 7 | $995,000 | $142,000 | $505,000 | $88,000 | $149,000 |
| Cash-out Refinancing | 4 | $400,000 | $100,000 | $135,000 | $166,000 | $427,000 |
| Refinancing | 3 | $795,000 | $265,000 | $585,000 | $247,000 | $361,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $101,000 | $101,000 |
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 | 53 | $12,585,000 | $237,000 | $2,195,000 | $160,000 | $864,000 |
| Not applicable | 16 | $4,850,000 | $303,000 | $705,000 | $0 | $0 |
| Black or African American | 4 | $690,000 | $172,000 | $485,000 | $190,000 | $312,000 |
| Not Provided | 1 | $105,000 | $105,000 | $105,000 | $8,000 | $8,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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 |
| Asian | 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) | 75 | $18,385,000 | $245,000 | $2,195,000 | $157,000 | $864,000 |
| 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 | 75 | $18,385,000 | $245,000 | $2,195,000 | $157,000 | $864,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 75 | $18,385,000 | $245,000 | $2,195,000 | $157,000 | $864,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Bank & Trust Co.'s 2023 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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