Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Gibsland Bank & Trust of Gibsland, LA reported 172 mortgage applications totaling $23.8 million, down 22% from 2020. The average application was for $138,604, and applicants reported an average income of $89,877. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Shreveport-Bossier City, LA (34), Baton Rouge, LA (1) and Beaumont-Port Arthur, 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 | 172 |
| Total Mortgage Loan Application Amount | $23,840,000 |
| Average Mortgage Loan Application Amount | $138,604 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $89,877 |
| Highest Applicant Income | $360,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 49 | $ 5,725,000 | $ 116,836 | $ 79,000 |
| Claiborne, Louisiana | 36 | $ 4,100,000 | $ 113,888 | $ 88,000 |
| Bienville, Louisiana | 22 | $ 2,440,000 | $ 110,909 | $ 106,000 |
| Lincoln, Louisiana | 21 | $ 3,825,000 | $ 182,142 | $ 58,000 |
| Caddo, Louisiana | 19 | $ 3,265,000 | $ 171,842 | $ 117,000 |
| Bossier, Louisiana | 15 | $ 2,665,000 | $ 177,666 | $ 126,000 |
| Jackson, Louisiana | 3 | $ 305,000 | $ 101,666 | $ 120,000 |
| East Baton Rouge, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Franklin, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 148,000 |
| Lafourche, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 16,000 |
| Ouachita, Louisiana | 1 | $ 855,000 | $ 855,000 | $ 0 |
| West Carroll, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Harrison, Texas | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Jefferson, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2021
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 | 93 | $14,105,000 | $151,000 | $1,365,000 | $82,000 | $215,000 |
| Home Purchase | 59 | $7,825,000 | $132,000 | $945,000 | $102,000 | $360,000 |
| Home Improvement | 11 | $615,000 | $55,000 | $165,000 | $84,000 | $263,000 |
| Other Purpose | 9 | $1,295,000 | $143,000 | $805,000 | $99,000 | $242,000 |
| 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 | 100 | $12,590,000 | $125,000 | $945,000 | $94,000 | $323,000 |
| Black or African American | 35 | $2,585,000 | $73,000 | $275,000 | $80,000 | $360,000 |
| Not applicable | 33 | $8,025,000 | $243,000 | $1,365,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $490,000 | $245,000 | $475,000 | $75,000 | $119,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 172 | $23,840,000 | $138,000 | $1,365,000 | $90,000 | $360,000 |
| 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 | 143 | $20,405,000 | $142,000 | $1,365,000 | $88,000 | $323,000 |
| Application Denied By Financial Institution | 18 | $2,370,000 | $131,000 | $805,000 | $79,000 | $242,000 |
| Application Withdrawn By Applicant | 8 | $850,000 | $106,000 | $325,000 | $147,000 | $360,000 |
| Application Approved But Not Accepted | 3 | $215,000 | $71,000 | $85,000 | $68,000 | $174,000 |
| 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 | 172 | $23,840,000 | $138,000 | $1,365,000 | $90,000 | $360,000 |
| 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 2021 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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