St Landry Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, St Landry Bank & Trust Co of Opelousas, LA reported 75 mortgage applications totaling $7.8 million, up 3% from 2012. The average application was for $104,093, and applicants reported an average income of $92,026. 95% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lafayette, LA (7) and Baton Rouge, LA (1).
| Mortgage Company & Address | St Landry Bank & Trust Co 132 E Landry St Opelousas, LA 70570 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 75 |
| Total Mortgage Loan Application Amount | $7,807,000 |
| Average Mortgage Loan Application Amount | $104,093 |
| Highest Mortgage Loan Application Amount | $3,453,000 |
| Average Applicant Income | $92,026 |
| Highest Applicant Income | $934,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St Landry Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Landry, Louisiana | 59 | $ 3,899,000 | $ 66,084 | $ 96,000 |
| Acadia, Louisiana | 6 | $ 175,000 | $ 29,166 | $ 75,000 |
| Lafayette, Louisiana | 6 | $ 98,000 | $ 16,333 | $ 99,000 |
| Ascension, Louisiana | 1 | $ 3,453,000 | $ 3,453,000 | $ 0 |
| Evangeline, Louisiana | 1 | $ 3,000 | $ 3,000 | $ 25,000 |
| Sabine, Louisiana | 1 | $ 139,000 | $ 139,000 | $ 115,000 |
| St. Martin, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for St Landry Bank & Trust Co in 2013
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 Improvement | 32 | $696,000 | $21,000 | $125,000 | $63,000 | $194,000 |
| Refinancing | 28 | $5,077,000 | $181,000 | $3,453,000 | $107,000 | $934,000 |
| Home Purchase | 15 | $2,034,000 | $135,000 | $425,000 | $126,000 | $477,000 |
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 | 47 | $2,002,000 | $42,000 | $236,000 | $99,000 | $934,000 |
| Black or African American | 25 | $2,244,000 | $89,000 | $425,000 | $86,000 | $477,000 |
| Not applicable | 2 | $3,475,000 | $1,737,000 | $3,453,000 | $0 | $0 |
| Asian | 1 | $86,000 | $86,000 | $86,000 | $75,000 | $75,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 75 | $7,807,000 | $104,000 | $3,453,000 | $92,000 | $934,000 |
| 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 | 71 | $7,673,000 | $108,000 | $3,453,000 | $92,000 | $934,000 |
| Application Denied By Financial Institution | 4 | $134,000 | $33,000 | $50,000 | $90,000 | $147,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $77,000 | $38,000 | $50,000 | $101,000 | $147,000 |
| Debt-To-Income Ratio | 2 | $57,000 | $28,000 | $50,000 | $80,000 | $96,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St Landry Bank & Trust Co's 2013 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 St Landry Bank & Trust Co'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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