Feliciana Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Feliciana Bank & Trust Company of Clinton, LA reported 112 mortgage applications totaling $13.0 million, up 11% from 2018. The average application was for $116,428, and applicants reported an average income of $84,053. 87% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Baton Rouge, LA (106) and Gulfport-Biloxi-Pascagoula, MS (1).
| Mortgage Company & Address | Feliciana Bank & Trust Company 10926 Highway 67 P. O. Box 247 Clinton, LA 70722 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 112 |
| Total Mortgage Loan Application Amount | $13,040,000 |
| Average Mortgage Loan Application Amount | $116,428 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $84,053 |
| Highest Applicant Income | $297,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Feliciana Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Feliciana Bank & Trust Company in 2019
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 | 75 | $8,385,000 | $111,000 | $1,475,000 | $85,000 | $297,000 |
| Home Purchase | 30 | $3,980,000 | $132,000 | $575,000 | $74,000 | $204,000 |
| Home Improvement | 7 | $675,000 | $96,000 | $165,000 | $117,000 | $164,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 47 | $6,045,000 | $128,000 | $585,000 | $99,000 | $297,000 |
| Black or African American | 46 | $3,180,000 | $69,000 | $265,000 | $69,000 | $268,000 |
| Not applicable | 19 | $3,815,000 | $200,000 | $1,475,000 | $0 | $0 |
| Not Provided | 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 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 112 | $13,040,000 | $116,000 | $1,475,000 | $84,000 | $297,000 |
| 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 | 97 | $11,075,000 | $114,000 | $1,475,000 | $85,000 | $297,000 |
| Application Denied By Financial Institution | 8 | $1,020,000 | $127,000 | $265,000 | $64,000 | $166,000 |
| Application Withdrawn By Applicant | 4 | $760,000 | $190,000 | $315,000 | $63,000 | $125,000 |
| Application Approved But Not Accepted | 3 | $185,000 | $61,000 | $95,000 | $133,000 | $204,000 |
| 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 | 112 | $13,040,000 | $116,000 | $1,475,000 | $84,000 | $297,000 |
| 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 Feliciana Bank & Trust Company's 2019 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 Feliciana 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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