City Savings Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, City Savings Bank & Trust Company of Deridder, LA reported 371 mortgage applications totaling $18.7 million, up 37% from 2007. The average application was for $50,320, and applicants reported an average income of $60,795. 84% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lake Charles, LA (100) and Shreveport-Bossier City, LA (1).
| 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 | 371 |
| Total Mortgage Loan Application Amount | $18,669,000 |
| Average Mortgage Loan Application Amount | $50,320 |
| Highest Mortgage Loan Application Amount | $533,000 |
| Average Applicant Income | $60,795 |
| Highest Applicant Income | $890,000 |
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City Savings Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 179 | $ 8,686,000 | $ 48,525 | $ 64,000 |
| Calcasieu, Louisiana | 94 | $ 5,301,000 | $ 56,393 | $ 61,000 |
| Vernon, Louisiana | 71 | $ 3,735,000 | $ 52,605 | $ 52,000 |
| Sabine, Louisiana | 9 | $ 293,000 | $ 32,555 | $ 73,000 |
| Jefferson Davis, Louisiana | 8 | $ 428,000 | $ 53,500 | $ 66,000 |
| Cameron, Louisiana | 6 | $ 161,000 | $ 26,833 | $ 64,000 |
| Allen, Louisiana | 3 | $ 49,000 | $ 16,333 | $ 34,000 |
| Caddo, Louisiana | 1 | $ 16,000 | $ 16,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for City Savings Bank & Trust Company in 2008
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 | 150 | $8,789,000 | $58,000 | $533,000 | $61,000 | $292,000 |
| Home Purchase | 147 | $8,650,000 | $58,000 | $278,000 | $63,000 | $890,000 |
| Home Improvement | 74 | $1,230,000 | $16,000 | $75,000 | $56,000 | $335,000 |
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 | 352 | $17,694,000 | $50,000 | $533,000 | $61,000 | $890,000 |
| Black or African American | 16 | $536,000 | $33,000 | $187,000 | $45,000 | $110,000 |
| Asian | 3 | $439,000 | $146,000 | $147,000 | $115,000 | $240,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 371 | $18,669,000 | $50,000 | $533,000 | $61,000 | $890,000 |
| 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 | 311 | $15,697,000 | $50,000 | $533,000 | $66,000 | $890,000 |
| Application Denied By Financial Institution | 60 | $2,972,000 | $49,000 | $235,000 | $33,000 | $170,000 |
| 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 | 27 | $816,000 | $30,000 | $174,000 | $29,000 | $70,000 |
| Other | 22 | $1,562,000 | $71,000 | $235,000 | $42,000 | $170,000 |
| Debt-To-Income Ratio | 10 | $567,000 | $56,000 | $150,000 | $23,000 | $58,000 |
| Employment History | 1 | $27,000 | $27,000 | $27,000 | $42,000 | $42,000 |
| 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 |
| 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 Savings Bank & Trust Company's 2008 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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