Iberiabank Mortgage Lending & HMDA Data, 2011
In 2011, Iberiabank of Kenner, LA reported 3,279 mortgage applications totaling $368.2 million. The average application was for $112,286, and applicants reported an average income of $130,059. 52% of its applications resulted in an originated loan and 33% were denied. Its largest markets were New Orleans-Metairie-Kenner, LA (460), Lafayette, LA (383) and Little Rock-North Little Rock-Conway, AR (370) (applications in parentheses).
| Mortgage Company & Address | Iberiabank 285 West Esplanade Avenue, 2nd Floor Kenner, LA 70065 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,279 |
| Total Mortgage Loan Application Amount | $368,186,000 |
| Average Mortgage Loan Application Amount | $112,286 |
| Highest Mortgage Loan Application Amount | $3,370,000 |
| Average Applicant Income | $130,059 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Iberiabank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 460 | $ 99,844,000 | $ 217,052 | $ 182,000 |
| Lafayette, LA | 383 | $ 38,418,000 | $ 100,308 | $ 162,000 |
| Little Rock-North Little Rock-Conway, AR | 370 | $ 20,241,000 | $ 54,705 | $ 99,000 |
| Lake Charles, LA | 257 | $ 15,431,000 | $ 60,042 | $ 77,000 |
| Jonesboro, AR | 139 | $ 14,096,000 | $ 101,410 | $ 110,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 133 | $ 8,774,000 | $ 65,969 | $ 84,218 |
| Monroe, LA | 132 | $ 9,779,000 | $ 74,083 | $ 73,000 |
| Baton Rouge, LA | 126 | $ 25,776,000 | $ 204,571 | $ 278,000 |
| Memphis, TN-MS-AR | 46 | $ 2,363,000 | $ 51,369 | $ 123,652 |
| Birmingham-Hoover, AL | 33 | $ 11,161,000 | $ 338,212 | $ 212,000 |
| Houma-Bayou Cane-Thibodaux, LA | 33 | $ 5,110,000 | $ 154,848 | $ 120,000 |
| Houston-Sugar Land-Baytown, TX | 31 | $ 9,009,000 | $ 290,612 | $ 454,000 |
| Mobile, AL | 27 | $ 7,986,000 | $ 295,777 | $ 247,000 |
| Shreveport-Bossier City, LA | 19 | $ 5,482,000 | $ 288,526 | $ 258,000 |
| Pine Bluff, AR | 17 | $ 354,000 | $ 20,823 | $ 46,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 16 | $ 2,068,000 | $ 129,250 | $ 113,000 |
| Huntsville, AL | 15 | $ 10,027,000 | $ 668,466 | $ 687,000 |
| Naples-Marco Island, FL | 15 | $ 1,853,000 | $ 123,533 | $ 135,000 |
| Fort Smith, AR-OK | 14 | $ 350,000 | $ 25,000 | $ 89,857 |
| Cape Coral-Fort Myers, FL | 13 | $ 332,000 | $ 25,538 | $ 92,000 |
| Hot Springs, AR | 12 | $ 1,426,000 | $ 118,833 | $ 340,000 |
| Tulsa, OK | 10 | $ 336,000 | $ 33,600 | $ 82,000 |
| Montgomery, AL | 9 | $ 1,302,000 | $ 144,666 | $ 111,000 |
| North Port-Bradenton-Sarasota, FL | 8 | $ 868,000 | $ 108,500 | $ 55,000 |
| Jacksonville, FL | 6 | $ 654,000 | $ 109,000 | $ 106,000 |
| Austin-Round Rock-San Marcos, TX | 4 | $ 3,046,000 | $ 761,500 | $ 458,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,295,000 | $ 573,750 | $ 321,000 |
| Alexandria, LA | 3 | $ 7,000 | $ 2,333 | $ 8,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 707,000 | $ 235,666 | $ 381,000 |
| Fort Worth-Arlington, TX | 3 | $ 419,000 | $ 139,666 | $ 210,000 |
| Gulfport-Biloxi, MS | 3 | $ 382,000 | $ 127,333 | $ 178,000 |
| Punta Gorda, FL | 3 | $ 177,000 | $ 59,000 | $ 76,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 1,480,000 | $ 740,000 | $ 1,021,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 515,000 | $ 257,500 | $ 118,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Auburn-Opelika, AL | 1 | $ 145,000 | $ 145,000 | $ 418,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 760,000 | $ 760,000 | $ 804,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 912,000 | $ 912,000 | $ 123,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 47,000 | $ 47,000 | $ 300,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 3,000 | $ 3,000 | $ 27,000 |
| Kansas City, MO-KS | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 726,000 | $ 726,000 | $ 52,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 320,000 | $ 320,000 | $ 156,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 138,000 | $ 138,000 | $ 275,000 |
| Valdosta, GA | 1 | $ 17,000 | $ 17,000 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 10,000 | $ 10,000 | $ 0 |
Mortgage Loan Application Detail Totals for Iberiabank in 2011
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 | 1,387 | $225,212,000 | $162,000 | $3,000,000 | $143,000 | $6,000,000 |
| Home Improvement | 1,235 | $31,713,000 | $25,000 | $3,370,000 | $73,000 | $1,620,000 |
| Home Purchase | 657 | $111,261,000 | $169,000 | $2,120,000 | $210,000 | $5,572,000 |
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 | 2,174 | $262,085,000 | $120,000 | $3,000,000 | $148,000 | $6,000,000 |
| Not Provided | 597 | $49,143,000 | $82,000 | $1,700,000 | $126,000 | $1,831,000 |
| Black or African American | 300 | $18,885,000 | $62,000 | $740,000 | $62,000 | $852,000 |
| Not applicable | 95 | $26,564,000 | $279,000 | $3,370,000 | $0 | $0 |
| Hispanic | 63 | $5,533,000 | $87,000 | $1,550,000 | $93,000 | $880,000 |
| Asian | 37 | $5,215,000 | $140,000 | $1,700,000 | $122,000 | $651,000 |
| American Indian or Alaskan Native | 13 | $761,000 | $58,000 | $243,000 | $112,000 | $378,000 |
| 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) | 3,279 | $368,186,000 | $112,000 | $3,370,000 | $130,000 | $6,000,000 |
| 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 | 1,703 | $242,669,000 | $142,000 | $3,370,000 | $164,000 | $6,000,000 |
| Application Denied By Financial Institution | 1,082 | $63,527,000 | $58,000 | $1,700,000 | $74,000 | $1,620,000 |
| Application Approved But Not Accepted | 399 | $46,577,000 | $116,000 | $2,000,000 | $149,000 | $4,200,000 |
| Application Withdrawn By Applicant | 71 | $13,685,000 | $192,000 | $1,150,000 | $111,000 | $1,210,000 |
| Loan Purchased By The Institution | 22 | $1,471,000 | $66,000 | $140,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $257,000 | $128,000 | $187,000 | $71,000 | $80,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Iberiabank's 2011 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 Iberiabank'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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