Home Bank National Association Mortgage Lending & HMDA Data, 2016
In 2016, Home Bank National Association of Lafayette, LA reported 830 mortgage applications totaling $191.2 million. The average application was for $230,353, and applicants reported an average income of $114,987. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New Orleans-Metairie, LA (372), Lafayette, LA (239) and Baton Rouge, LA (81) (applications in parentheses).
| Mortgage Company & Address | Home Bank National Association Po Box 81459, 503 Kaliste Saloom Rd. Lafayette, LA 70598 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 830 |
| Total Mortgage Loan Application Amount | $191,193,000 |
| Average Mortgage Loan Application Amount | $230,353 |
| Highest Mortgage Loan Application Amount | $2,893,000 |
| Average Applicant Income | $114,987 |
| Highest Applicant Income | $2,884,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Bank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lafayette, Louisiana | 206 | $ 45,589,000 | $ 221,305 | $ 124,000 |
| Orleans, Louisiana | 169 | $ 53,138,000 | $ 314,426 | $ 145,000 |
| Jefferson, Louisiana | 116 | $ 27,171,000 | $ 234,232 | $ 101,000 |
| St. Tammany, Louisiana | 82 | $ 17,877,000 | $ 218,012 | $ 117,000 |
| East Baton Rouge, Louisiana | 61 | $ 16,765,000 | $ 274,836 | $ 128,000 |
| Adams, Mississippi | 44 | $ 4,722,000 | $ 107,318 | $ 63,000 |
| Acadia, Louisiana | 14 | $ 1,592,000 | $ 113,714 | $ 62,000 |
| Warren, Mississippi | 13 | $ 1,527,000 | $ 117,461 | $ 64,000 |
| Livingston, Louisiana | 10 | $ 3,671,000 | $ 367,100 | $ 40,000 |
| St. Landry, Louisiana | 10 | $ 1,434,000 | $ 143,400 | $ 59,000 |
| St. Martin, Louisiana | 8 | $ 1,075,000 | $ 134,375 | $ 72,000 |
| Vermilion, Louisiana | 7 | $ 3,816,000 | $ 545,142 | $ 299,000 |
| Ascension, Louisiana | 6 | $ 1,220,000 | $ 203,333 | $ 52,000 |
| Concordia, Louisiana | 5 | $ 469,000 | $ 93,800 | $ 25,000 |
| Tangipahoa, Louisiana | 5 | $ 904,000 | $ 180,800 | $ 640,000 |
| Iberia, Louisiana | 4 | $ 513,000 | $ 128,250 | $ 26,000 |
| Washington, Louisiana | 4 | $ 617,000 | $ 154,250 | $ 41,000 |
| Jefferson, Mississippi | 4 | $ 302,000 | $ 75,500 | $ 32,000 |
| Calcasieu, Louisiana | 2 | $ 159,000 | $ 79,500 | $ 55,000 |
| East Feliciana, Louisiana | 2 | $ 354,000 | $ 177,000 | $ 87,000 |
| St. Bernard, Louisiana | 2 | $ 399,000 | $ 199,500 | $ 34,000 |
| St. Charles, Louisiana | 2 | $ 382,000 | $ 191,000 | $ 110,000 |
| Amite, Mississippi | 2 | $ 104,000 | $ 52,000 | $ 78,000 |
| Pearl River, Mississippi | 2 | $ 206,000 | $ 103,000 | $ 93,000 |
| Denver, Colorado | 1 | $ 96,000 | $ 96,000 | $ 85,000 |
| Duval, Florida | 1 | $ 350,000 | $ 350,000 | $ 162,000 |
| Allen, Louisiana | 1 | $ 130,000 | $ 130,000 | $ 130,000 |
| Evangeline, Louisiana | 1 | $ 154,000 | $ 154,000 | $ 130,000 |
| Iberville, Louisiana | 1 | $ 182,000 | $ 182,000 | $ 57,000 |
| Ouachita, Louisiana | 1 | $ 70,000 | $ 70,000 | $ 99,000 |
| Plaquemines, Louisiana | 1 | $ 351,000 | $ 351,000 | $ 133,000 |
| Pointe Coupee, Louisiana | 1 | $ 417,000 | $ 417,000 | $ 274,000 |
| Sabine, Louisiana | 1 | $ 300,000 | $ 300,000 | $ 127,000 |
| Terrebonne, Louisiana | 1 | $ 322,000 | $ 322,000 | $ 161,000 |
| Claiborne, Mississippi | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Hancock, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 250,000 | $ 250,000 | $ 56,000 |
| Rankin, Mississippi | 1 | $ 242,000 | $ 242,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Bank National Association in 2016
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 | 446 | $103,514,000 | $232,000 | $2,893,000 | $114,000 | $951,000 |
| Refinancing | 362 | $85,660,000 | $236,000 | $1,500,000 | $119,000 | $2,884,000 |
| Home Improvement | 22 | $2,019,000 | $91,000 | $220,000 | $69,000 | $396,000 |
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 | 548 | $134,359,000 | $245,000 | $2,893,000 | $145,000 | $2,884,000 |
| Not applicable | 124 | $30,478,000 | $245,000 | $2,381,000 | $0 | $0 |
| Black or African American | 93 | $12,093,000 | $130,000 | $655,000 | $70,000 | $449,000 |
| Not Provided | 28 | $5,612,000 | $200,000 | $750,000 | $126,000 | $410,000 |
| Asian | 18 | $4,186,000 | $232,000 | $752,000 | $154,000 | $494,000 |
| Hispanic | 17 | $3,928,000 | $231,000 | $500,000 | $143,000 | $369,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $417,000 | $417,000 | $417,000 | $250,000 | $250,000 |
| American Indian or Alaskan Native | 1 | $120,000 | $120,000 | $120,000 | $37,000 | $37,000 |
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) | 746 | $179,207,000 | $240,000 | $2,893,000 | $122,000 | $2,884,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $4,439,000 | $110,000 | $257,000 | $35,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,002,000 | $176,000 | $518,000 | $54,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,545,000 | $154,000 | $367,000 | $69,000 | $202,000 |
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 | 618 | $148,762,000 | $240,000 | $2,893,000 | $114,000 | $2,884,000 |
| Application Withdrawn By Applicant | 91 | $23,323,000 | $256,000 | $1,500,000 | $162,000 | $2,296,000 |
| Application Denied By Financial Institution | 57 | $8,865,000 | $155,000 | $750,000 | $83,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 36 | $4,091,000 | $113,000 | $324,000 | $41,000 | $166,000 |
| Application Approved But Not Accepted | 21 | $4,929,000 | $234,000 | $655,000 | $164,000 | $511,000 |
| File Closed For Incompleteness | 5 | $1,072,000 | $214,000 | $358,000 | $53,000 | $88,000 |
| Loan Purchased By The Institution | 2 | $151,000 | $75,000 | $81,000 | $97,000 | $99,000 |
| Preapproval Approved but not Accepted | 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 | 45 | $5,168,000 | $114,000 | $324,000 | $51,000 | $202,000 |
| Debt-To-Income Ratio | 33 | $4,280,000 | $129,000 | $375,000 | $37,000 | $105,000 |
| Collateral | 7 | $1,215,000 | $173,000 | $300,000 | $83,000 | $201,000 |
| Credit Application Incomplete | 4 | $1,154,000 | $288,000 | $750,000 | $156,000 | $315,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $570,000 | $285,000 | $364,000 | $123,000 | $184,000 |
| Other | 1 | $152,000 | $152,000 | $152,000 | $62,000 | $62,000 |
| Unverifiable Information | 1 | $417,000 | $417,000 | $417,000 | $1,200,000 | $1,200,000 |
| 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 National Association's 2016 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 National Association'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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