Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Gibsland Bank & Trust of Gibsland, LA reported 365 mortgage applications totaling $33.9 million, down 5% from 2013. The average application was for $92,989, and applicants reported an average income of $71,884. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Shreveport-Bossier City, LA (185), Lafayette, LA (2) and Monroe, LA (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 | 365 |
| Total Mortgage Loan Application Amount | $33,941,000 |
| Average Mortgage Loan Application Amount | $92,989 |
| Highest Mortgage Loan Application Amount | $1,024,000 |
| Average Applicant Income | $71,884 |
| Highest Applicant Income | $3,400,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bienville, Louisiana | 70 | $ 4,130,000 | $ 59,000 | $ 67,000 |
| Webster, Louisiana | 66 | $ 5,945,000 | $ 90,075 | $ 52,000 |
| Caddo, Louisiana | 63 | $ 6,953,000 | $ 110,365 | $ 53,000 |
| Claiborne, Louisiana | 53 | $ 3,963,000 | $ 74,773 | $ 144,000 |
| Bossier, Louisiana | 48 | $ 4,954,000 | $ 103,208 | $ 44,000 |
| Lincoln, Louisiana | 40 | $ 3,334,000 | $ 83,350 | $ 64,000 |
| De Soto, Louisiana | 8 | $ 558,000 | $ 69,750 | $ 70,000 |
| Jackson, Louisiana | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Ouachita, Louisiana | 2 | $ 1,665,000 | $ 832,500 | $ 0 |
| Panola, Texas | 2 | $ 85,000 | $ 42,500 | $ 312,000 |
| Miller, Arkansas | 1 | $ 39,000 | $ 39,000 | $ 87,000 |
| Saline, Arkansas | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| DeKalb, Georgia | 1 | $ 67,000 | $ 67,000 | $ 101,000 |
| Beauregard, Louisiana | 1 | $ 57,000 | $ 57,000 | $ 271,000 |
| Jefferson, Louisiana | 1 | $ 67,000 | $ 67,000 | $ 273,000 |
| Lafayette, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Natchitoches, Louisiana | 1 | $ 481,000 | $ 481,000 | $ 25,000 |
| Vermilion, Louisiana | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Washington, Mississippi | 1 | $ 77,000 | $ 77,000 | $ 51,000 |
| Grayson, Texas | 1 | $ 546,000 | $ 546,000 | $ 46,000 |
| Harrison, Texas | 1 | $ 211,000 | $ 211,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2014
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 | 199 | $21,599,000 | $108,000 | $1,024,000 | $58,000 | $312,000 |
| Home Purchase | 113 | $9,461,000 | $83,000 | $795,000 | $93,000 | $3,400,000 |
| Home Improvement | 53 | $2,881,000 | $54,000 | $257,000 | $79,000 | $265,000 |
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 | 225 | $19,035,000 | $84,000 | $600,000 | $82,000 | $377,000 |
| Black or African American | 78 | $3,310,000 | $42,000 | $204,000 | $98,000 | $3,400,000 |
| Not applicable | 61 | $11,541,000 | $189,000 | $1,024,000 | $0 | $0 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $16,000 | $16,000 |
| American Indian or Alaskan Native | 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 |
| Not Provided | 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) | 364 | $33,864,000 | $93,000 | $1,024,000 | $72,000 | $3,400,000 |
| VA-guaranteed (Veterans Administration) | 1 | $77,000 | $77,000 | $77,000 | $51,000 | $51,000 |
| 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 |
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 | 351 | $33,147,000 | $94,000 | $1,024,000 | $72,000 | $3,400,000 |
| Application Denied By Financial Institution | 10 | $392,000 | $39,000 | $126,000 | $40,000 | $72,000 |
| Application Withdrawn By Applicant | 3 | $262,000 | $87,000 | $143,000 | $125,000 | $300,000 |
| Application Approved But Not Accepted | 1 | $140,000 | $140,000 | $140,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $346,000 | $43,000 | $126,000 | $38,000 | $72,000 |
| Debt-To-Income Ratio | 2 | $46,000 | $23,000 | $30,000 | $47,000 | $49,000 |
| 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 |
| 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 2014 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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with aggregated HMDA statistics today.
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