First Federal S&L Assn. of Ap Mortgage Lending & HMDA Data, 2004
In 2004, First Federal S&L Assn. of Ap of Oakdale, LA reported 32 mortgage applications totaling $2.4 million. The average application was for $75,718, and applicants reported an average income of $76,968. 53% of its applications resulted in an originated loan and 41% were denied. Its largest market was Alexandria, LA (12).
| Mortgage Company & Address | First Federal S&L Assn. of Ap 222 South 10th Street Oakdale, LA 71463 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 32 |
| Total Mortgage Loan Application Amount | $2,423,000 |
| Average Mortgage Loan Application Amount | $75,718 |
| Highest Mortgage Loan Application Amount | $352,000 |
| Average Applicant Income | $76,968 |
| Highest Applicant Income | $229,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S&L Assn. of Ap filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First Federal S&L Assn. of Ap in 2004
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 | 15 | $1,000,000 | $66,000 | $340,000 | $62,000 | $155,000 |
| Refinancing | 11 | $892,000 | $81,000 | $238,000 | $63,000 | $114,000 |
| Home Improvement | 6 | $531,000 | $88,000 | $352,000 | $140,000 | $229,000 |
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 | 27 | $1,968,000 | $72,000 | $340,000 | $80,000 | $159,000 |
| Black or African American | 4 | $103,000 | $25,000 | $50,000 | $30,000 | $43,000 |
| Not applicable | 1 | $352,000 | $352,000 | $352,000 | $229,000 | $229,000 |
| 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) | 32 | $2,423,000 | $75,000 | $352,000 | $78,000 | $229,000 |
| 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 | 17 | $1,321,000 | $77,000 | $352,000 | $111,000 | $229,000 |
| Application Denied By Financial Institution | 13 | $743,000 | $57,000 | $234,000 | $46,000 | $108,000 |
| Application Withdrawn By Applicant | 2 | $359,000 | $179,000 | $340,000 | $103,000 | $155,000 |
| 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 | 7 | $295,000 | $42,000 | $143,000 | $42,000 | $108,000 |
| Debt-To-Income Ratio | 5 | $214,000 | $42,000 | $73,000 | $33,000 | $43,000 |
| Other | 1 | $234,000 | $234,000 | $234,000 | $108,000 | $108,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L Assn. of Ap's 2004 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 First Federal S&L Assn. of Ap'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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