City Savings Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, City Savings Bank & Trust Company of Deridder, LA reported 48 mortgage applications totaling $4.7 million, down 91% from 2017. The average application was for $97,916, and applicants reported an average income of $78,416. 69% of its applications resulted in an originated loan and 15% were denied. Its largest market was Lake Charles, LA (15).
| Mortgage Company & Address | City Savings Bank & Trust Company 301 North Pine Street Deridder, LA 70634 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 48 |
| Total Mortgage Loan Application Amount | $4,700,000 |
| Average Mortgage Loan Application Amount | $97,916 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $78,416 |
| Highest Applicant Income | $276,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City Savings Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Beauregard, Louisiana | 17 | $ 1,435,000 | $ 84,411 | $ 71,000 |
| Calcasieu, Louisiana | 12 | $ 1,440,000 | $ 120,000 | $ 88,000 |
| Vernon, Louisiana | 10 | $ 680,000 | $ 68,000 | $ 99,000 |
| Cameron, Louisiana | 3 | $ 235,000 | $ 78,333 | $ 41,000 |
| Jefferson Davis, Louisiana | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Sabine, Louisiana | 2 | $ 500,000 | $ 250,000 | $ 67,000 |
| Allen, Louisiana | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for City Savings Bank & Trust Company in 2018
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 | 24 | $2,370,000 | $98,000 | $295,000 | $71,000 | $146,000 |
| Refinancing | 14 | $1,190,000 | $85,000 | $205,000 | $81,000 | $276,000 |
| Cash-out Refinancing | 4 | $800,000 | $200,000 | $455,000 | $107,000 | $266,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $95,000 | $59,000 | $120,000 |
| Other Purpose | 2 | $120,000 | $60,000 | $85,000 | $131,000 | $136,000 |
| 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 | 40 | $3,960,000 | $99,000 | $455,000 | $80,000 | $276,000 |
| Not applicable | 6 | $530,000 | $88,000 | $195,000 | $0 | $0 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $96,000 | $96,000 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $29,000 | $29,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 47 | $4,505,000 | $95,000 | $455,000 | $79,000 | $276,000 |
| FHA-insured (Federal Housing Administration) | 1 | $195,000 | $195,000 | $195,000 | $96,000 | $96,000 |
| 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 | 33 | $3,375,000 | $102,000 | $455,000 | $87,000 | $276,000 |
| Application Denied By Financial Institution | 7 | $555,000 | $79,000 | $175,000 | $54,000 | $112,000 |
| Application Approved But Not Accepted | 5 | $465,000 | $93,000 | $115,000 | $68,000 | $105,000 |
| Application Withdrawn By Applicant | 3 | $305,000 | $101,000 | $195,000 | $83,000 | $120,000 |
| 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 |
| 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 | 41 | $4,145,000 | $101,000 | $455,000 | $84,000 | $276,000 |
| Debt-To-Income Ratio | 4 | $400,000 | $100,000 | $175,000 | $49,000 | $112,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $82,000 | $101,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 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 |
| 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 Savings Bank & Trust Company's 2018 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 Savings Bank & Trust Company'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.
For a list of all lenders in Louisiana, download the full spreadsheet
with aggregated HMDA statistics today.
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