Concordia Bank & Trust Co. Mortgage Lending & HMDA Data, 2024
In 2024, Concordia Bank & Trust Co. of Vidalia, LA reported 168 mortgage applications totaling $16.6 million, down 26% from 2023. The average application was for $98,511, and applicants reported an average income of $116,928. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Baton Rouge, LA (11), Chicago-Naperville, IL (1) and Gulfport-Biloxi-Pascagoula, MS (1) (applications in parentheses).
| Mortgage Company & Address | Concordia Bank & Trust Co. 904 Carter St Vidalia, LA 71373 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 168 |
| Total Mortgage Loan Application Amount | $16,550,000 |
| Average Mortgage Loan Application Amount | $98,511 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $116,928 |
| Highest Applicant Income | $1,522,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Concordia Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Concordia Bank & Trust Co. in 2024
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 | 77 | $6,455,000 | $83,000 | $625,000 | $121,000 | $1,179,000 |
| Home Purchase | 57 | $7,525,000 | $132,000 | $455,000 | $113,000 | $1,522,000 |
| Home Improvement | 18 | $910,000 | $50,000 | $105,000 | $119,000 | $329,000 |
| Other Purpose | 16 | $1,660,000 | $103,000 | $505,000 | $109,000 | $327,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 86 | $9,640,000 | $112,000 | $625,000 | $155,000 | $1,522,000 |
| Black or African American | 55 | $3,525,000 | $64,000 | $325,000 | $73,000 | $329,000 |
| Not applicable | 17 | $2,735,000 | $160,000 | $395,000 | $0 | $0 |
| Hispanic | 8 | $580,000 | $72,000 | $115,000 | $53,000 | $160,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Not Provided | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 168 | $16,550,000 | $98,000 | $625,000 | $117,000 | $1,522,000 |
| 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 | 116 | $12,190,000 | $105,000 | $625,000 | $139,000 | $1,522,000 |
| Application Denied By Financial Institution | 27 | $1,955,000 | $72,000 | $325,000 | $54,000 | $175,000 |
| Application Withdrawn By Applicant | 23 | $2,355,000 | $102,000 | $285,000 | $90,000 | $329,000 |
| Application Approved But Not Accepted | 2 | $50,000 | $25,000 | $25,000 | $141,000 | $210,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 168 | $16,550,000 | $98,000 | $625,000 | $117,000 | $1,522,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Concordia Bank & Trust Co.'s 2024 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 Concordia Bank & Trust Co.'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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with aggregated HMDA statistics today.
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