City Savings Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, City Savings Bank & Trust Company of Deridder, LA reported 632 mortgage applications totaling $24.6 million. The average application was for $39,000, and applicants reported an average income of $62,621. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lake Charles, LA (102), Baton Rouge, LA (1) and Houston, TX (1) (applications in parentheses).
| 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 | 632 |
| Total Mortgage Loan Application Amount | $24,648,000 |
| Average Mortgage Loan Application Amount | $39,000 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $62,621 |
| Highest Applicant Income | $730,000 |
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City Savings Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 387 | $ 13,470,000 | $ 34,806 | $ 36,000 |
| Vernon, Louisiana | 126 | $ 4,330,000 | $ 34,365 | $ 56,000 |
| Calcasieu, Louisiana | 102 | $ 6,265,000 | $ 61,421 | $ 87,000 |
| Sabine, Louisiana | 6 | $ 220,000 | $ 36,666 | $ 68,000 |
| Allen, Louisiana | 5 | $ 164,000 | $ 32,800 | $ 36,000 |
| Jefferson Davis, Louisiana | 2 | $ 53,000 | $ 26,500 | $ 36,000 |
| East Baton Rouge, Louisiana | 1 | $ 107,000 | $ 107,000 | $ 118,000 |
| Lafayette, Louisiana | 1 | $ 2,000 | $ 2,000 | $ 49,000 |
| Vermilion, Louisiana | 1 | $ 5,000 | $ 5,000 | $ 74,000 |
| Harris, Texas | 1 | $ 32,000 | $ 32,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for City Savings Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 298 | $14,170,000 | $39,500 | $600,000 | $58,000 | $730,000 |
| Home Purchase (one-to-four family) | 236 | $9,584,000 | $40,000 | $197,000 | $45,000 | $240,000 |
| Home Improvement (one-to-four family) | 97 | $743,000 | $7,000 | $82,000 | $41,000 | $355,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $151,000 | $151,000 | $151,000 | $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 | 583 | $22,104,000 | $34,500 | $600,000 | $39,500 | $470,000 |
| Black | 27 | $1,062,000 | $39,000 | $158,000 | $38,000 | $136,000 |
| Not applicable | 8 | $725,000 | $90,000 | $329,000 | $74,000 | $227,000 |
| Asian or Pacific Islander | 5 | $336,000 | $67,000 | $197,000 | $42,000 | $97,000 |
| Hispanic | 4 | $166,000 | $41,000 | $97,000 | $37,000 | $45,000 |
| American Indian or Alaskan Native | 3 | $110,000 | $36,000 | $60,000 | $43,000 | $50,000 |
| Other | 2 | $145,000 | $72,000 | $74,000 | $702,000 | $730,000 |
| Information not provided by applicant in mail or telephone application | 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) | 632 | $24,648,000 | $35,500 | $600,000 | $44,000 | $730,000 |
| 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 | 546 | $21,718,000 | $39,000 | $600,000 | $71,000 | $730,000 |
| Application Denied By Financial Institution | 54 | $1,388,000 | $28,500 | $60,000 | $31,500 | $88,000 |
| Application Withdrawn By Applicant | 32 | $1,542,000 | $48,000 | $158,000 | $49,000 | $98,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 47 | $1,167,000 | $28,000 | $60,000 | $32,500 | $88,000 |
| Collateral | 3 | $36,000 | $12,000 | $25,000 | $32,000 | $50,000 |
| Debt-To-Income Ratio | 2 | $91,000 | $45,000 | $50,000 | $17,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $94,000 | $47,000 | $60,000 | $38,000 | $56,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Savings Bank & Trust Company'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 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.
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