Home Bank, NA Mortgage Lending & HMDA Data, 2012
In 2012, Home Bank, NA of Lafayette, LA reported 891 mortgage applications totaling $174.0 million, up 15% from 2011. The average application was for $195,271, and applicants reported an average income of $132,778. 71% of its applications resulted in an originated loan and 13% were denied. Its largest markets were New Orleans-Metairie-Kenner, LA (382), Lafayette, LA (334) and Baton Rouge, LA (91) (applications in parentheses).
| Mortgage Company & Address | Home Bank, NA 503 Kaliste Saloom Rd Lafayette, LA 70598 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 891 |
| Total Mortgage Loan Application Amount | $173,987,000 |
| Average Mortgage Loan Application Amount | $195,271 |
| Highest Mortgage Loan Application Amount | $2,747,000 |
| Average Applicant Income | $132,778 |
| Highest Applicant Income | $3,520,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New Orleans-Metairie-Kenner, LA | 382 | $ 80,267,000 | $ 210,123 | $ 119,000 |
| Lafayette, LA | 334 | $ 59,695,000 | $ 178,727 | $ 130,000 |
| Baton Rouge, LA | 91 | $ 18,977,000 | $ 208,538 | $ 140,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 950,000 | $ 316,666 | $ 1,660,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 206,000 | $ 103,000 | $ 35,000 |
| Gulfport-Biloxi, MS | 1 | $ 109,000 | $ 109,000 | $ 98,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 39,000 | $ 39,000 | $ 132,000 |
| Lake Charles, LA | 1 | $ 130,000 | $ 130,000 | $ 276,000 |
Mortgage Loan Application Detail Totals for Home Bank, NA in 2012
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 | 557 | $117,658,000 | $211,000 | $2,747,000 | $138,000 | $1,592,000 |
| Home Purchase | 326 | $56,038,000 | $171,000 | $1,500,000 | $124,000 | $3,520,000 |
| Home Improvement | 8 | $291,000 | $36,000 | $70,000 | $127,000 | $600,000 |
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 | 733 | $143,344,000 | $195,000 | $1,500,000 | $153,000 | $3,520,000 |
| Not applicable | 76 | $17,128,000 | $225,000 | $2,747,000 | $0 | $0 |
| Black or African American | 46 | $7,115,000 | $154,000 | $640,000 | $70,000 | $370,000 |
| Hispanic | 14 | $1,964,000 | $140,000 | $336,000 | $59,000 | $151,000 |
| Asian | 12 | $2,535,000 | $211,000 | $417,000 | $105,000 | $278,000 |
| Not Provided | 9 | $1,803,000 | $200,000 | $500,000 | $94,000 | $268,000 |
| American Indian or Alaskan Native | 1 | $98,000 | $98,000 | $98,000 | $40,000 | $40,000 |
| 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) | 870 | $171,310,000 | $196,000 | $2,747,000 | $134,000 | $3,520,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,032,000 | $145,000 | $258,000 | $62,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $645,000 | $92,000 | $143,000 | $33,000 | $44,000 |
| 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 | 637 | $126,133,000 | $198,000 | $2,747,000 | $137,000 | $1,592,000 |
| Application Denied By Financial Institution | 118 | $18,505,000 | $156,000 | $640,000 | $123,000 | $3,520,000 |
| Application Withdrawn By Applicant | 100 | $21,144,000 | $211,000 | $640,000 | $113,000 | $748,000 |
| Application Approved But Not Accepted | 35 | $7,961,000 | $227,000 | $660,000 | $140,000 | $675,000 |
| File Closed For Incompleteness | 1 | $244,000 | $244,000 | $244,000 | $69,000 | $69,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 50 | $5,675,000 | $113,000 | $500,000 | $82,000 | $600,000 |
| Debt-To-Income Ratio | 30 | $5,777,000 | $192,000 | $640,000 | $50,000 | $125,000 |
| Collateral | 14 | $2,688,000 | $192,000 | $506,000 | $426,000 | $3,520,000 |
| Credit Application Incomplete | 9 | $1,710,000 | $190,000 | $417,000 | $111,000 | $363,000 |
| Other | 8 | $1,758,000 | $219,000 | $417,000 | $186,000 | $468,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $598,000 | $149,000 | $180,000 | $54,000 | $60,000 |
| Unverifiable Information | 3 | $299,000 | $99,000 | $123,000 | $66,000 | $164,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank, NA's 2012 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 Home Bank, NA'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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