City Savings Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, City Savings Bank & Trust Company of Deridder, LA reported 384 mortgage applications totaling $24.9 million, down 6% from 2011. The average application was for $64,968, and applicants reported an average income of $64,067. 91% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lake Charles, LA (122) and Beaumont-Port Arthur, TX (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 | 384 |
| Total Mortgage Loan Application Amount | $24,948,000 |
| Average Mortgage Loan Application Amount | $64,968 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $64,067 |
| Highest Applicant Income | $605,000 |
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City Savings Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for City Savings Bank & Trust Company in 2012
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 | 221 | $12,285,000 | $55,000 | $311,000 | $64,000 | $605,000 |
| Home Purchase | 119 | $11,532,000 | $96,000 | $3,000,000 | $62,000 | $353,000 |
| Home Improvement | 44 | $1,131,000 | $25,000 | $179,000 | $70,000 | $275,000 |
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 | 349 | $19,992,000 | $57,000 | $311,000 | $66,000 | $605,000 |
| Black or African American | 16 | $665,000 | $41,000 | $165,000 | $46,000 | $125,000 |
| Not applicable | 8 | $3,480,000 | $435,000 | $3,000,000 | $0 | $0 |
| Hispanic | 6 | $327,000 | $54,000 | $111,000 | $54,000 | $81,000 |
| Asian | 4 | $457,000 | $114,000 | $161,000 | $64,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $27,000 | $27,000 | $27,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 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) | 383 | $24,923,000 | $65,000 | $3,000,000 | $64,000 | $605,000 |
| FHA-insured (Federal Housing Administration) | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| 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 | 348 | $19,862,000 | $57,000 | $311,000 | $65,000 | $605,000 |
| Application Denied By Financial Institution | 21 | $1,365,000 | $65,000 | $200,000 | $52,000 | $145,000 |
| Application Withdrawn By Applicant | 15 | $3,721,000 | $248,000 | $3,000,000 | $48,000 | $125,000 |
| 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 | 17 | $1,193,000 | $70,000 | $200,000 | $53,000 | $145,000 |
| Debt-To-Income Ratio | 4 | $172,000 | $43,000 | $61,000 | $48,000 | $67,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Savings Bank & Trust Company's 2012 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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