Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Gibsland Bank & Trust of Gibsland, LA reported 356 mortgage applications totaling $31.7 million. The average application was for $88,943, and applicants reported an average income of $78,724. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Shreveport-Bossier City, LA (48), Monroe, LA (6) and Beaumont-Port Arthur, 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 | 356 |
| Total Mortgage Loan Application Amount | $31,664,000 |
| Average Mortgage Loan Application Amount | $88,943 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $78,724 |
| Highest Applicant Income | $875,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 97 | $ 10,182,000 | $ 104,969 | $ 74,000 |
| Claiborne, Louisiana | 68 | $ 4,174,000 | $ 61,382 | $ 81,000 |
| Bienville, Louisiana | 65 | $ 6,919,000 | $ 106,446 | $ 61,000 |
| Lincoln, Louisiana | 48 | $ 3,518,000 | $ 73,291 | $ 60,000 |
| Caddo, Louisiana | 26 | $ 1,960,000 | $ 75,384 | $ 108,000 |
| Bossier, Louisiana | 19 | $ 2,086,000 | $ 109,789 | $ 120,000 |
| Jackson, Louisiana | 6 | $ 639,000 | $ 106,500 | $ 137,000 |
| Ouachita, Louisiana | 6 | $ 618,000 | $ 103,000 | $ 67,000 |
| Natchitoches, Louisiana | 4 | $ 376,000 | $ 94,000 | $ 95,000 |
| De Soto, Louisiana | 3 | $ 173,000 | $ 57,666 | $ 122,000 |
| Miller, Arkansas | 2 | $ 147,000 | $ 73,500 | $ 77,000 |
| Jefferson, Texas | 2 | $ 76,000 | $ 38,000 | $ 93,000 |
| Cleburne, Arkansas | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Columbia, Arkansas | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Newton, Arkansas | 1 | $ 47,000 | $ 47,000 | $ 36,000 |
| Grant, Louisiana | 1 | $ 22,000 | $ 22,000 | $ 113,000 |
| Madison, Louisiana | 1 | $ 12,000 | $ 12,000 | $ 56,000 |
| Sabine, Louisiana | 1 | $ 22,000 | $ 22,000 | $ 68,000 |
| St. Martin, Louisiana | 1 | $ 8,000 | $ 8,000 | $ 44,000 |
| West Carroll, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Maury, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 625,000 |
| Harrison, Texas | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2010
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 | 200 | $23,102,000 | $115,000 | $2,100,000 | $82,000 | $875,000 |
| Home Purchase | 98 | $6,794,000 | $69,000 | $395,000 | $63,000 | $625,000 |
| Home Improvement | 58 | $1,768,000 | $30,000 | $500,000 | $94,000 | $842,000 |
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 | 235 | $19,218,000 | $81,000 | $1,600,000 | $96,000 | $842,000 |
| Black or African American | 88 | $3,428,000 | $38,000 | $378,000 | $52,000 | $192,000 |
| Not applicable | 30 | $8,702,000 | $290,000 | $2,100,000 | $0 | $0 |
| Not Provided | 1 | $52,000 | $52,000 | $52,000 | $59,000 | $59,000 |
| Hispanic | 1 | $26,000 | $26,000 | $26,000 | $32,000 | $32,000 |
| Asian | 1 | $238,000 | $238,000 | $238,000 | $875,000 | $875,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 355 | $31,553,000 | $88,000 | $2,100,000 | $79,000 | $875,000 |
| FHA-insured (Federal Housing Administration) | 1 | $111,000 | $111,000 | $111,000 | $13,000 | $13,000 |
| 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 | 340 | $30,494,000 | $89,000 | $2,100,000 | $80,000 | $875,000 |
| Application Denied By Financial Institution | 10 | $587,000 | $58,000 | $188,000 | $50,000 | $95,000 |
| Application Withdrawn By Applicant | 5 | $503,000 | $100,000 | $170,000 | $29,000 | $42,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $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 | 6 | $253,000 | $42,000 | $127,000 | $67,000 | $95,000 |
| Debt-To-Income Ratio | 3 | $240,000 | $80,000 | $188,000 | $29,000 | $51,000 |
| Employment History | 1 | $94,000 | $94,000 | $94,000 | $16,000 | $16,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibsland Bank & Trust's 2010 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.
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