Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Gibsland Bank & Trust of Gibsland, LA reported 286 mortgage applications totaling $39.2 million, down 9% from 2015. The average application was for $137,234, and applicants reported an average income of $58,800. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Shreveport-Bossier City, LA (144), Monroe, LA (8) and Baton Rouge, LA (1) (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 | 286 |
| Total Mortgage Loan Application Amount | $39,249,000 |
| Average Mortgage Loan Application Amount | $137,234 |
| Highest Mortgage Loan Application Amount | $3,546,000 |
| Average Applicant Income | $58,800 |
| Highest Applicant Income | $569,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 57 | $ 3,863,000 | $ 67,771 | $ 57,000 |
| Caddo, Louisiana | 49 | $ 6,937,000 | $ 141,571 | $ 62,000 |
| Claiborne, Louisiana | 43 | $ 3,232,000 | $ 75,162 | $ 63,000 |
| Bienville, Louisiana | 42 | $ 6,571,000 | $ 156,452 | $ 51,000 |
| Lincoln, Louisiana | 37 | $ 8,491,000 | $ 229,486 | $ 51,000 |
| Bossier, Louisiana | 36 | $ 6,761,000 | $ 187,805 | $ 64,000 |
| Ouachita, Louisiana | 5 | $ 355,000 | $ 71,000 | $ 4,000 |
| Union, Louisiana | 3 | $ 93,000 | $ 31,000 | $ 48,000 |
| De Soto, Louisiana | 2 | $ 295,000 | $ 147,500 | $ 47,000 |
| Sabine, Louisiana | 2 | $ 1,746,000 | $ 873,000 | $ 171,000 |
| Pike, Arkansas | 1 | $ 41,000 | $ 41,000 | $ 98,000 |
| Orange, Florida | 1 | $ 8,000 | $ 8,000 | $ 105,000 |
| Ascension, Louisiana | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Jackson, Louisiana | 1 | $ 78,000 | $ 78,000 | $ 57,000 |
| Natchitoches, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 175,000 |
| Red River, Louisiana | 1 | $ 26,000 | $ 26,000 | $ 19,000 |
| Vermilion, Louisiana | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Winn, Louisiana | 1 | $ 20,000 | $ 20,000 | $ 171,000 |
| Indiana, Pennsylvania | 1 | $ 29,000 | $ 29,000 | $ 38,000 |
| Jefferson, Texas | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2016
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 | 137 | $25,071,000 | $183,000 | $3,546,000 | $57,000 | $425,000 |
| Home Purchase | 118 | $11,449,000 | $97,000 | $810,000 | $59,000 | $569,000 |
| Home Improvement | 31 | $2,729,000 | $88,000 | $963,000 | $66,000 | $292,000 |
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 | 162 | $17,199,000 | $106,000 | $1,221,000 | $83,000 | $569,000 |
| Black or African American | 62 | $3,030,000 | $48,000 | $352,000 | $52,000 | $207,000 |
| Not applicable | 60 | $18,937,000 | $315,000 | $3,546,000 | $0 | $0 |
| Hispanic | 2 | $83,000 | $41,000 | $48,000 | $42,000 | $59,000 |
| Native Hawaiin 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 |
| 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) | 284 | $37,948,000 | $133,000 | $3,546,000 | $59,000 | $569,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $1,221,000 | $1,221,000 | $1,221,000 | $66,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 1 | $80,000 | $80,000 | $80,000 | $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 | 264 | $37,898,000 | $143,000 | $3,546,000 | $59,000 | $569,000 |
| Application Withdrawn By Applicant | 9 | $535,000 | $59,000 | $123,000 | $35,000 | $52,000 |
| Application Denied By Financial Institution | 8 | $619,000 | $77,000 | $250,000 | $53,000 | $107,000 |
| Application Approved But Not Accepted | 5 | $197,000 | $39,000 | $61,000 | $77,000 | $175,000 |
| 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 | 4 | $351,000 | $87,000 | $250,000 | $53,000 | $107,000 |
| Debt-To-Income Ratio | 3 | $241,000 | $80,000 | $140,000 | $70,000 | $105,000 |
| 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 2016 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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