First National Bankers Bank Mortgage Lending & HMDA Data, 2006
In 2006, First National Bankers Bank of Baton Rouge, LA reported 745 mortgage applications totaling $101.3 million, down 2% from 2005. The average application was for $135,955, and applicants reported an average income of $73,267. 50% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Baton Rouge, LA (100), Lafayette, LA (29) and Hattiesburg, MS (24) (applications in parentheses).
| Mortgage Company & Address | First National Bankers Bank 7813 Office Park Blvd Baton Rouge, LA 70809 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 745 |
| Total Mortgage Loan Application Amount | $101,287,000 |
| Average Mortgage Loan Application Amount | $135,955 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $73,267 |
| Highest Applicant Income | $2,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bankers Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baton Rouge, LA | 100 | $ 17,331,000 | $ 173,310 | $ 84,000 |
| Lafayette, LA | 29 | $ 4,823,000 | $ 166,310 | $ 83,000 |
| Hattiesburg, MS | 24 | $ 2,488,000 | $ 103,666 | $ 52,000 |
| Shreveport-Bossier City, LA | 24 | $ 4,189,000 | $ 174,541 | $ 141,000 |
| Houma-Bayou Cane-Thibodaux, LA | 16 | $ 2,303,000 | $ 143,937 | $ 71,000 |
| Memphis, TN-MS-AR | 14 | $ 2,435,000 | $ 173,928 | $ 73,000 |
| Lake Charles, LA | 12 | $ 1,970,000 | $ 164,166 | $ 91,000 |
| Monroe, LA | 12 | $ 1,329,000 | $ 110,750 | $ 81,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,052,000 | $ 150,285 | $ 151,000 |
| Alexandria, LA | 6 | $ 677,000 | $ 112,833 | $ 55,000 |
| Jackson, MS | 5 | $ 800,000 | $ 160,000 | $ 56,000 |
| Tuscaloosa, AL | 2 | $ 335,000 | $ 167,500 | $ 116,000 |
| Birmingham-Hoover, AL | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Fort Worth-Arlington, TX | 1 | $ 190,000 | $ 190,000 | $ 90,000 |
| Hot Springs, AR | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 48,000 | $ 48,000 | $ 95,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 332,000 | $ 332,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for First National Bankers Bank in 2006
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 | 468 | $64,432,000 | $137,000 | $700,000 | $70,000 | $2,000,000 |
| Refinancing | 262 | $34,572,000 | $131,000 | $800,000 | $77,000 | $1,943,000 |
| Home Improvement | 15 | $2,283,000 | $152,000 | $393,000 | $110,000 | $720,000 |
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 | 644 | $89,420,000 | $138,000 | $800,000 | $74,000 | $2,000,000 |
| Black or African American | 74 | $8,168,000 | $110,000 | $329,000 | $47,000 | $203,000 |
| Hispanic | 14 | $1,826,000 | $130,000 | $280,000 | $61,000 | $144,000 |
| Not Provided | 5 | $773,000 | $154,000 | $399,000 | $439,000 | $1,943,000 |
| American Indian or Alaskan Native | 4 | $356,000 | $89,000 | $133,000 | $59,000 | $80,000 |
| Asian | 3 | $694,000 | $231,000 | $490,000 | $45,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $51,000 | $51,000 |
| Not applicable | 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) | 706 | $97,788,000 | $138,000 | $800,000 | $75,000 | $2,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,499,000 | $89,000 | $170,000 | $41,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 373 | $50,945,000 | $136,000 | $800,000 | $69,000 | $720,000 |
| Application Denied By Financial Institution | 198 | $25,666,000 | $129,000 | $617,000 | $80,000 | $2,000,000 |
| Application Approved But Not Accepted | 150 | $21,647,000 | $144,000 | $700,000 | $74,000 | $390,000 |
| Application Withdrawn By Applicant | 20 | $2,437,000 | $121,000 | $300,000 | $75,000 | $422,000 |
| File Closed For Incompleteness | 4 | $592,000 | $148,000 | $292,000 | $72,000 | $128,000 |
| 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 | 102 | $12,282,000 | $120,000 | $490,000 | $60,000 | $257,000 |
| Debt-To-Income Ratio | 51 | $7,800,000 | $152,000 | $617,000 | $87,000 | $1,943,000 |
| Collateral | 24 | $2,685,000 | $111,000 | $380,000 | $168,000 | $2,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $794,000 | $113,000 | $182,000 | $54,000 | $71,000 |
| Other | 6 | $998,000 | $166,000 | $416,000 | $69,000 | $120,000 |
| Unverifiable Information | 5 | $734,000 | $146,000 | $242,000 | $64,000 | $125,000 |
| Employment History | 3 | $373,000 | $124,000 | $148,000 | $48,000 | $107,000 |
| Credit Application Incomplete | 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 National Bankers Bank's 2006 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 National Bankers Bank'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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