St Martin Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, St Martin Bank & Trust Company of St Martinville, LA reported 462 mortgage applications totaling $35.6 million, up 6% from 2008. The average application was for $77,160, and applicants reported an average income of $76,519. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lafayette, LA (295), Lake Charles, LA (13) and Baton Rouge, LA (3) (applications in parentheses).
| Mortgage Company & Address | St Martin Bank & Trust Company P O Box 199 (301 South Main St) St Martinville, LA 70582 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 462 |
| Total Mortgage Loan Application Amount | $35,648,000 |
| Average Mortgage Loan Application Amount | $77,160 |
| Highest Mortgage Loan Application Amount | $1,277,000 |
| Average Applicant Income | $76,519 |
| Highest Applicant Income | $2,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St Martin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 181 | $ 17,362,000 | $ 95,922 | $ 88,000 |
| St. Martin, Louisiana | 114 | $ 5,184,000 | $ 45,473 | $ 63,000 |
| Jefferson Davis, Louisiana | 61 | $ 3,817,000 | $ 62,573 | $ 86,000 |
| Acadia, Louisiana | 32 | $ 1,949,000 | $ 60,906 | $ 82,000 |
| Iberia, Louisiana | 23 | $ 1,836,000 | $ 79,826 | $ 34,000 |
| Calcasieu, Louisiana | 13 | $ 1,576,000 | $ 121,230 | $ 55,000 |
| St. Landry, Louisiana | 12 | $ 1,973,000 | $ 164,416 | $ 71,000 |
| Vermilion, Louisiana | 6 | $ 551,000 | $ 91,833 | $ 117,000 |
| Allen, Louisiana | 4 | $ 66,000 | $ 16,500 | $ 31,000 |
| Evangeline, Louisiana | 4 | $ 103,000 | $ 25,750 | $ 30,000 |
| Caddo, Louisiana | 3 | $ 441,000 | $ 147,000 | $ 0 |
| East Baton Rouge, Louisiana | 3 | $ 402,000 | $ 134,000 | $ 112,000 |
| St. Mary, Louisiana | 3 | $ 274,000 | $ 91,333 | $ 211,000 |
| Okaloosa, Florida | 2 | $ 72,000 | $ 36,000 | $ 0 |
| Sabine, Louisiana | 1 | $ 42,000 | $ 42,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for St Martin Bank & Trust Company in 2009
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 | 186 | $18,573,000 | $99,000 | $1,277,000 | $84,000 | $1,320,000 |
| Home Purchase | 164 | $14,570,000 | $88,000 | $785,000 | $80,000 | $2,000,000 |
| Home Improvement | 112 | $2,505,000 | $22,000 | $157,000 | $59,000 | $430,000 |
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 | 328 | $23,240,000 | $70,000 | $610,000 | $98,000 | $2,000,000 |
| Not applicable | 80 | $10,860,000 | $135,000 | $1,277,000 | $7,000 | $600,000 |
| Black or African American | 54 | $1,548,000 | $28,000 | $190,000 | $49,000 | $141,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 462 | $35,648,000 | $77,000 | $1,277,000 | $76,000 | $2,000,000 |
| 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 | 407 | $31,760,000 | $78,000 | $1,277,000 | $79,000 | $2,000,000 |
| Application Denied By Financial Institution | 35 | $2,667,000 | $76,000 | $437,000 | $52,000 | $131,000 |
| Application Approved But Not Accepted | 18 | $1,094,000 | $60,000 | $160,000 | $63,000 | $218,000 |
| Application Withdrawn By Applicant | 2 | $127,000 | $63,000 | $75,000 | $46,000 | $60,000 |
| File Closed For Incompleteness | 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 | 26 | $2,040,000 | $78,000 | $437,000 | $48,000 | $103,000 |
| Debt-To-Income Ratio | 4 | $118,000 | $29,000 | $100,000 | $64,000 | $131,000 |
| Collateral | 4 | $226,000 | $56,000 | $95,000 | $54,000 | $73,000 |
| Other | 1 | $283,000 | $283,000 | $283,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St Martin Bank & Trust Company's 2009 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 Martin Bank & Trust Company'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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