Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Gibsland Bank & Trust of Gibsland, LA reported 246 mortgage applications totaling $32.1 million, down 14% from 2016. The average application was for $130,479, and applicants reported an average income of $48,711. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Shreveport-Bossier City, LA (114), Monroe, LA (2) 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 | 246 |
| Total Mortgage Loan Application Amount | $32,098,000 |
| Average Mortgage Loan Application Amount | $130,479 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $48,711 |
| Highest Applicant Income | $845,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 56 | $ 5,757,000 | $ 102,803 | $ 47,000 |
| Webster, Louisiana | 56 | $ 5,011,000 | $ 89,482 | $ 38,000 |
| Caddo, Louisiana | 33 | $ 3,139,000 | $ 95,121 | $ 57,000 |
| Claiborne, Louisiana | 33 | $ 4,316,000 | $ 130,787 | $ 39,000 |
| Lincoln, Louisiana | 25 | $ 2,934,000 | $ 117,360 | $ 25,000 |
| Bossier, Louisiana | 24 | $ 7,061,000 | $ 294,208 | $ 75,000 |
| Jackson, Louisiana | 5 | $ 249,000 | $ 49,800 | $ 40,000 |
| Natchitoches, Louisiana | 2 | $ 100,000 | $ 50,000 | $ 109,000 |
| Ouachita, Louisiana | 2 | $ 1,275,000 | $ 637,500 | $ 17,000 |
| Pike, Arkansas | 1 | $ 20,000 | $ 20,000 | $ 139,000 |
| De Soto, Louisiana | 1 | $ 187,000 | $ 187,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Morehouse, Louisiana | 1 | $ 41,000 | $ 41,000 | $ 66,000 |
| Red River, Louisiana | 1 | $ 53,000 | $ 53,000 | $ 63,000 |
| Sabine, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Vermilion, Louisiana | 1 | $ 656,000 | $ 656,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 273,000 | $ 273,000 | $ 77,000 |
| McCurtain, Oklahoma | 1 | $ 531,000 | $ 531,000 | $ 845,000 |
| Parker, Texas | 1 | $ 288,000 | $ 288,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2017
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 | 128 | $22,862,000 | $178,000 | $3,500,000 | $39,000 | $268,000 |
| Home Purchase | 89 | $8,221,000 | $92,000 | $531,000 | $59,000 | $845,000 |
| Home Improvement | 29 | $1,015,000 | $35,000 | $120,000 | $60,000 | $289,000 |
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 | 117 | $11,284,000 | $96,000 | $620,000 | $77,000 | $845,000 |
| Black or African American | 66 | $3,130,000 | $47,000 | $281,000 | $45,000 | $155,000 |
| Not applicable | 61 | $17,521,000 | $287,000 | $3,500,000 | $0 | $0 |
| Not Provided | 1 | $139,000 | $139,000 | $139,000 | $17,000 | $17,000 |
| American Indian or Alaskan Native | 1 | $24,000 | $24,000 | $24,000 | $38,000 | $38,000 |
| Asian | 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 |
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) | 246 | $32,098,000 | $130,000 | $3,500,000 | $49,000 | $845,000 |
| 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 | 215 | $30,326,000 | $141,000 | $3,500,000 | $48,000 | $845,000 |
| Application Denied By Financial Institution | 15 | $843,000 | $56,000 | $139,000 | $53,000 | $162,000 |
| Application Approved But Not Accepted | 10 | $564,000 | $56,000 | $120,000 | $40,000 | $83,000 |
| Application Withdrawn By Applicant | 6 | $365,000 | $60,000 | $162,000 | $100,000 | $492,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $466,000 | $66,000 | $139,000 | $47,000 | $138,000 |
| Credit History | 4 | $130,000 | $32,000 | $47,000 | $44,000 | $62,000 |
| Credit Application Incomplete | 2 | $188,000 | $94,000 | $94,000 | $91,000 | $162,000 |
| Other | 2 | $59,000 | $29,000 | $35,000 | $55,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibsland Bank & Trust's 2017 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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