Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Gibsland Bank & Trust of Gibsland, LA reported 260 mortgage applications totaling $33.8 million, up 16% from 2018. The average application was for $130,076, and applicants reported an average income of $85,742. 82% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Shreveport-Bossier City, LA (90), Monroe, LA (6) and Longview, TX (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 | 260 |
| Total Mortgage Loan Application Amount | $33,820,000 |
| Average Mortgage Loan Application Amount | $130,076 |
| Highest Mortgage Loan Application Amount | $1,985,000 |
| Average Applicant Income | $85,742 |
| Highest Applicant Income | $969,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 69 | $ 6,255,000 | $ 90,652 | $ 70,000 |
| Caddo, Louisiana | 47 | $ 5,485,000 | $ 116,702 | $ 134,000 |
| Bossier, Louisiana | 38 | $ 5,530,000 | $ 145,526 | $ 78,000 |
| Bienville, Louisiana | 32 | $ 4,620,000 | $ 144,375 | $ 89,000 |
| Claiborne, Louisiana | 31 | $ 2,695,000 | $ 86,935 | $ 87,000 |
| Lincoln, Louisiana | 24 | $ 3,280,000 | $ 136,666 | $ 63,000 |
| De Soto, Louisiana | 5 | $ 1,395,000 | $ 279,000 | $ 83,000 |
| Ouachita, Louisiana | 5 | $ 3,235,000 | $ 647,000 | $ 24,000 |
| Sabine, Louisiana | 3 | $ 675,000 | $ 225,000 | $ 77,000 |
| Beauregard, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 197,000 |
| Jackson, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Morehouse, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Red River, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 143,000 |
| Harrison, Texas | 1 | $ 335,000 | $ 335,000 | $ 134,000 |
| Lubbock, Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2019
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 | 140 | $21,130,000 | $150,000 | $1,985,000 | $102,000 | $969,000 |
| Home Purchase | 99 | $11,655,000 | $117,000 | $1,485,000 | $68,000 | $477,000 |
| Other Purpose | 14 | $510,000 | $36,000 | $125,000 | $54,000 | $252,000 |
| Home Improvement | 7 | $525,000 | $75,000 | $405,000 | $75,000 | $173,000 |
| 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 | 135 | $13,085,000 | $96,000 | $575,000 | $94,000 | $969,000 |
| Not applicable | 72 | $17,250,000 | $239,000 | $1,985,000 | $0 | $0 |
| Black or African American | 51 | $3,395,000 | $66,000 | $595,000 | $57,000 | $237,000 |
| Hispanic | 2 | $90,000 | $45,000 | $65,000 | $96,000 | $147,000 |
| Native Hawaiian 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) | 260 | $33,820,000 | $130,000 | $1,985,000 | $84,000 | $969,000 |
| 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 | 212 | $29,190,000 | $137,000 | $1,985,000 | $91,000 | $969,000 |
| Application Denied By Financial Institution | 34 | $2,860,000 | $84,000 | $405,000 | $53,000 | $451,000 |
| Application Withdrawn By Applicant | 12 | $1,290,000 | $107,000 | $345,000 | $69,000 | $252,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $39,000 | $39,000 |
| Application Approved But Not Accepted | 1 | $355,000 | $355,000 | $355,000 | $334,000 | $334,000 |
| 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 | 260 | $33,820,000 | $130,000 | $1,985,000 | $84,000 | $969,000 |
| 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 2019 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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