Gibsland Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Gibsland Bank & Trust of Gibsland, LA reported 190 mortgage applications totaling $42.1 million, up 10% from 2021. The average application was for $221,421, and applicants reported an average income of $102,894. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Shreveport-Bossier City, LA (36), Monroe, LA (5) and Atlanta-Sandy Springs-Roswell, GA (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 | 190 |
| Total Mortgage Loan Application Amount | $42,070,000 |
| Average Mortgage Loan Application Amount | $221,421 |
| Highest Mortgage Loan Application Amount | $3,145,000 |
| Average Applicant Income | $102,894 |
| Highest Applicant Income | $663,000 |
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(HMDA) records Gibsland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Claiborne, Louisiana | 51 | $ 6,205,000 | $ 121,666 | $ 105,000 |
| Lincoln, Louisiana | 32 | $ 8,250,000 | $ 257,812 | $ 113,000 |
| Webster, Louisiana | 30 | $ 4,570,000 | $ 152,333 | $ 71,000 |
| Bienville, Louisiana | 24 | $ 4,530,000 | $ 188,750 | $ 95,000 |
| Bossier, Louisiana | 19 | $ 12,135,000 | $ 638,684 | $ 98,000 |
| Caddo, Louisiana | 17 | $ 3,155,000 | $ 185,588 | $ 141,000 |
| Ouachita, Louisiana | 3 | $ 965,000 | $ 321,666 | $ 190,000 |
| Jackson, Louisiana | 2 | $ 220,000 | $ 110,000 | $ 87,000 |
| Union, Louisiana | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Baldwin, Alabama | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Montgomery, Arkansas | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Fulton, Georgia | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Lafayette, Louisiana | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Natchitoches, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Red River, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| West Carroll, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Adams, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Anderson, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
Mortgage Loan Application Detail Totals for Gibsland Bank & Trust in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 93 | $14,705,000 | $158,000 | $1,105,000 | $95,000 | $385,000 |
| Refinancing | 78 | $25,710,000 | $329,000 | $3,145,000 | $111,000 | $663,000 |
| Home Improvement | 10 | $900,000 | $90,000 | $505,000 | $122,000 | $608,000 |
| Other Purpose | 9 | $755,000 | $83,000 | $355,000 | $93,000 | $332,000 |
| 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 | 94 | $16,100,000 | $171,000 | $1,105,000 | $121,000 | $663,000 |
| Black or African American | 52 | $4,240,000 | $81,000 | $415,000 | $70,000 | $608,000 |
| Not applicable | 43 | $21,245,000 | $494,000 | $3,145,000 | $0 | $0 |
| Hispanic | 1 | $485,000 | $485,000 | $485,000 | $108,000 | $108,000 |
| 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) | 190 | $42,070,000 | $221,000 | $3,145,000 | $102,000 | $663,000 |
| 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 | 146 | $37,640,000 | $257,000 | $3,145,000 | $114,000 | $663,000 |
| Application Withdrawn By Applicant | 21 | $2,325,000 | $110,000 | $365,000 | $101,000 | $385,000 |
| Application Denied By Financial Institution | 14 | $1,160,000 | $82,000 | $225,000 | $48,000 | $95,000 |
| File Closed For Incompleteness | 8 | $880,000 | $110,000 | $485,000 | $59,000 | $109,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $51,000 | $51,000 |
| 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 | 190 | $42,070,000 | $221,000 | $3,145,000 | $102,000 | $663,000 |
| 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 2022 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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