Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Gibsland Bank & Trust of Gibsland, LA reported 213 mortgage applications totaling $50.2 million, up 9% from 2024. The average application was for $235,563, and applicants reported an average income of $118,821. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Shreveport-Bossier City, LA (60), Monroe, LA (11) and Midland, TX (2) (applications in parentheses).
| Mortgage Company & Address | Gibsland Bank & Trust 1246 3rd Street Gibsland, LA 71028 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2003 |
| Total Number of Mortgage Applications | 213 |
| Total Mortgage Loan Application Amount | $50,175,000 |
| Average Mortgage Loan Application Amount | $235,563 |
| Highest Mortgage Loan Application Amount | $6,355,000 |
| Average Applicant Income | $118,821 |
| Highest Applicant Income | $1,084,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Webster, Louisiana | 45 | $ 5,085,000 | $ 113,000 | $ 93,000 |
| Caddo, Louisiana | 38 | $ 16,630,000 | $ 437,631 | $ 119,000 |
| Lincoln, Louisiana | 38 | $ 6,540,000 | $ 172,105 | $ 107,000 |
| Claiborne, Louisiana | 31 | $ 3,865,000 | $ 124,677 | $ 111,000 |
| Bossier, Louisiana | 22 | $ 5,120,000 | $ 232,727 | $ 231,000 |
| Bienville, Louisiana | 10 | $ 1,220,000 | $ 122,000 | $ 83,000 |
| Jackson, Louisiana | 7 | $ 725,000 | $ 103,571 | $ 86,000 |
| Ouachita, Louisiana | 7 | $ 6,075,000 | $ 867,857 | $ 201,000 |
| Red River, Louisiana | 2 | $ 340,000 | $ 170,000 | $ 119,000 |
| Richland, Louisiana | 2 | $ 550,000 | $ 275,000 | $ 155,000 |
| Union, Louisiana | 2 | $ 280,000 | $ 140,000 | $ 111,000 |
| Midland, Texas | 2 | $ 150,000 | $ 75,000 | $ 206,000 |
| Faulkner, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Winn, Louisiana | 1 | $ 2,015,000 | $ 2,015,000 | $ 389,000 |
| McCurtain, Oklahoma | 1 | $ 525,000 | $ 525,000 | $ 185,000 |
| Ellis, Texas | 1 | $ 415,000 | $ 415,000 | $ 233,000 |
| Jefferson, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marion, Texas | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2025
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 | 93 | $16,265,000 | $174,000 | $5,005,000 | $103,000 | $288,000 |
| Home Purchase | 92 | $31,760,000 | $345,000 | $6,355,000 | $129,000 | $1,084,000 |
| Home Improvement | 15 | $845,000 | $56,000 | $115,000 | $124,000 | $252,000 |
| Other Purpose | 13 | $1,305,000 | $100,000 | $295,000 | $154,000 | $559,000 |
| 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 | 100 | $17,420,000 | $174,000 | $2,015,000 | $120,000 | $559,000 |
| Not applicable | 69 | $26,285,000 | $380,000 | $6,355,000 | $0 | $0 |
| Black or African American | 37 | $3,145,000 | $85,000 | $305,000 | $96,000 | $354,000 |
| Hispanic | 3 | $395,000 | $131,000 | $155,000 | $123,000 | $181,000 |
| Asian | 2 | $2,670,000 | $1,335,000 | $2,465,000 | $600,000 | $1,084,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $108,000 | $108,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $66,000 | $66,000 |
| 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) | 213 | $50,175,000 | $235,000 | $6,355,000 | $121,000 | $1,084,000 |
| 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 | 156 | $32,700,000 | $209,000 | $4,005,000 | $130,000 | $1,084,000 |
| Application Withdrawn By Applicant | 26 | $9,850,000 | $378,000 | $6,355,000 | $126,000 | $354,000 |
| Application Denied By Financial Institution | 23 | $6,995,000 | $304,000 | $5,005,000 | $91,000 | $232,000 |
| File Closed For Incompleteness | 5 | $285,000 | $57,000 | $105,000 | $40,000 | $48,000 |
| Application Approved But Not Accepted | 3 | $345,000 | $115,000 | $165,000 | $72,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 213 | $50,175,000 | $235,000 | $6,355,000 | $121,000 | $1,084,000 |
| 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 Gibsland Bank & Trust's 2025 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 Gibsland Bank & Trust'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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