City Savings Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, City Savings Bank & Trust Company of Deridder, LA reported 445 mortgage applications totaling $17.4 million, down 6% from 2005. The average application was for $39,155, and applicants reported an average income of $47,085. 84% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lake Charles, LA (123), Alexandria, LA (1) and Baton Rouge, LA (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 | 445 |
| Total Mortgage Loan Application Amount | $17,424,000 |
| Average Mortgage Loan Application Amount | $39,155 |
| Highest Mortgage Loan Application Amount | $419,000 |
| Average Applicant Income | $47,085 |
| Highest Applicant Income | $303,000 |
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City Savings Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 205 | $ 7,768,000 | $ 37,892 | $ 48,000 |
| Calcasieu, Louisiana | 109 | $ 4,489,000 | $ 41,183 | $ 46,000 |
| Vernon, Louisiana | 97 | $ 3,948,000 | $ 40,701 | $ 46,000 |
| Cameron, Louisiana | 14 | $ 407,000 | $ 29,071 | $ 45,000 |
| Allen, Louisiana | 9 | $ 327,000 | $ 36,333 | $ 33,000 |
| Jefferson Davis, Louisiana | 3 | $ 66,000 | $ 22,000 | $ 43,000 |
| Jackson, Louisiana | 2 | $ 133,000 | $ 66,500 | $ 56,000 |
| Sabine, Louisiana | 2 | $ 27,000 | $ 13,500 | $ 58,000 |
| East Baton Rouge, Louisiana | 1 | $ 147,000 | $ 147,000 | $ 194,000 |
| Evangeline, Louisiana | 1 | $ 33,000 | $ 33,000 | $ 43,000 |
| Rapides, Louisiana | 1 | $ 14,000 | $ 14,000 | $ 15,000 |
| Galveston, Texas | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for City Savings Bank & Trust Company in 2006
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 | 224 | $9,356,000 | $41,000 | $167,000 | $47,000 | $303,000 |
| Refinancing | 124 | $6,856,000 | $55,000 | $419,000 | $52,000 | $224,000 |
| Home Improvement | 97 | $1,212,000 | $12,000 | $88,000 | $41,000 | $181,000 |
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 | 417 | $16,351,000 | $39,000 | $419,000 | $48,000 | $303,000 |
| Black or African American | 22 | $755,000 | $34,000 | $111,000 | $31,000 | $72,000 |
| Hispanic | 3 | $83,000 | $27,000 | $36,000 | $32,000 | $52,000 |
| Asian | 2 | $125,000 | $62,000 | $115,000 | $71,000 | $129,000 |
| American Indian or Alaskan Native | 1 | $110,000 | $110,000 | $110,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 445 | $17,424,000 | $39,000 | $419,000 | $47,000 | $303,000 |
| 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 | 374 | $14,187,000 | $37,000 | $419,000 | $48,000 | $303,000 |
| Application Denied By Financial Institution | 71 | $3,237,000 | $45,000 | $143,000 | $41,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 50 | $2,006,000 | $40,000 | $113,000 | $42,000 | $240,000 |
| Other | 14 | $973,000 | $69,000 | $143,000 | $46,000 | $127,000 |
| Employment History | 4 | $103,000 | $25,000 | $34,000 | $29,000 | $44,000 |
| Debt-To-Income Ratio | 3 | $155,000 | $51,000 | $80,000 | $31,000 | $48,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Savings Bank & Trust Company's 2006 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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