Feliciana Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Feliciana Bank & Trust Company of Clinton, LA reported 118 mortgage applications totaling $12.7 million, down 3% from 2014. The average application was for $107,211, and applicants reported an average income of $73,042. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Baton Rouge, LA (110) and Hammond, LA (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 | 118 |
| Total Mortgage Loan Application Amount | $12,651,000 |
| Average Mortgage Loan Application Amount | $107,211 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $73,042 |
| Highest Applicant Income | $415,000 |
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records Feliciana Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| East Feliciana, Louisiana | 52 | $ 4,392,000 | $ 84,461 | $ 55,000 |
| East Baton Rouge, Louisiana | 39 | $ 5,399,000 | $ 138,435 | $ 86,000 |
| St. Helena, Louisiana | 8 | $ 470,000 | $ 58,750 | $ 75,000 |
| Livingston, Louisiana | 6 | $ 844,000 | $ 140,666 | $ 91,000 |
| Amite, Mississippi | 5 | $ 505,000 | $ 101,000 | $ 106,000 |
| West Feliciana, Louisiana | 3 | $ 534,000 | $ 178,000 | $ 69,000 |
| Ascension, Louisiana | 1 | $ 11,000 | $ 11,000 | $ 133,000 |
| Tangipahoa, Louisiana | 1 | $ 187,000 | $ 187,000 | $ 152,000 |
| West Baton Rouge, Louisiana | 1 | $ 215,000 | $ 215,000 | $ 164,000 |
| Wilkinson, Mississippi | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Feliciana Bank & Trust Company in 2015
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 | 79 | $9,058,000 | $114,000 | $290,000 | $72,000 | $415,000 |
| Refinancing | 27 | $2,651,000 | $98,000 | $268,000 | $73,000 | $172,000 |
| Home Improvement | 12 | $942,000 | $78,000 | $253,000 | $80,000 | $162,000 |
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 | 79 | $9,531,000 | $120,000 | $290,000 | $86,000 | $415,000 |
| Black or African American | 30 | $2,505,000 | $83,000 | $270,000 | $60,000 | $175,000 |
| Not applicable | 9 | $615,000 | $68,000 | $135,000 | $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) | 118 | $12,651,000 | $107,000 | $290,000 | $73,000 | $415,000 |
| 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 | 82 | $8,938,000 | $109,000 | $275,000 | $78,000 | $415,000 |
| Application Denied By Financial Institution | 22 | $1,835,000 | $83,000 | $275,000 | $50,000 | $133,000 |
| Application Withdrawn By Applicant | 10 | $1,457,000 | $145,000 | $290,000 | $76,000 | $112,000 |
| Application Approved But Not Accepted | 4 | $421,000 | $105,000 | $139,000 | $80,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Feliciana Bank & Trust Company's 2015 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.
For a list of all lenders in Louisiana, download the full spreadsheet
with aggregated HMDA statistics today.
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