St Martin Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, St Martin Bank & Trust Company of St Martinville, LA reported 472 mortgage applications totaling $36.7 million, up 2% from 2009. The average application was for $77,747, and applicants reported an average income of $74,008. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lafayette, LA (271), Lake Charles, LA (10) 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 | 472 |
| Total Mortgage Loan Application Amount | $36,697,000 |
| Average Mortgage Loan Application Amount | $77,747 |
| Highest Mortgage Loan Application Amount | $1,401,000 |
| Average Applicant Income | $74,008 |
| Highest Applicant Income | $2,722,000 |
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records St Martin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 170 | $ 17,323,000 | $ 101,900 | $ 70,000 |
| St. Martin, Louisiana | 101 | $ 4,418,000 | $ 43,742 | $ 63,000 |
| Jefferson Davis, Louisiana | 66 | $ 5,660,000 | $ 85,757 | $ 121,000 |
| Acadia, Louisiana | 38 | $ 3,070,000 | $ 80,789 | $ 86,000 |
| St. Landry, Louisiana | 36 | $ 2,054,000 | $ 57,055 | $ 59,000 |
| Vermilion, Louisiana | 18 | $ 795,000 | $ 44,166 | $ 51,000 |
| Iberia, Louisiana | 13 | $ 537,000 | $ 41,307 | $ 27,000 |
| Calcasieu, Louisiana | 10 | $ 339,000 | $ 33,900 | $ 43,000 |
| Evangeline, Louisiana | 5 | $ 262,000 | $ 52,400 | $ 99,000 |
| Allen, Louisiana | 3 | $ 199,000 | $ 66,333 | $ 67,000 |
| East Baton Rouge, Louisiana | 2 | $ 692,000 | $ 346,000 | $ 6,000 |
| Orleans, Louisiana | 2 | $ 808,000 | $ 404,000 | $ 54,000 |
| St. Mary, Louisiana | 2 | $ 27,000 | $ 13,500 | $ 42,000 |
| Okaloosa, Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Beauregard, Louisiana | 1 | $ 51,000 | $ 51,000 | $ 75,000 |
| Catahoula, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Jefferson, Louisiana | 1 | $ 181,000 | $ 181,000 | $ 108,000 |
| Sabine, Louisiana | 1 | $ 146,000 | $ 146,000 | $ 185,000 |
| West Baton Rouge, Louisiana | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for St Martin Bank & Trust Company in 2010
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 | 180 | $15,531,000 | $86,000 | $1,281,000 | $61,000 | $395,000 |
| Refinancing | 172 | $17,690,000 | $102,000 | $1,401,000 | $96,000 | $2,722,000 |
| Home Improvement | 120 | $3,476,000 | $28,000 | $725,000 | $62,000 | $290,000 |
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 | 338 | $23,702,000 | $70,000 | $1,281,000 | $96,000 | $2,722,000 |
| Not applicable | 89 | $11,467,000 | $128,000 | $1,401,000 | $0 | $0 |
| Black or African American | 37 | $1,094,000 | $29,000 | $183,000 | $49,000 | $119,000 |
| Hispanic | 6 | $368,000 | $61,000 | $190,000 | $85,000 | $290,000 |
| Asian | 2 | $66,000 | $33,000 | $59,000 | $58,000 | $66,000 |
| American Indian or Alaskan Native | 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) | 472 | $36,697,000 | $77,000 | $1,401,000 | $74,000 | $2,722,000 |
| 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 | 415 | $31,100,000 | $74,000 | $1,401,000 | $74,000 | $2,722,000 |
| Application Denied By Financial Institution | 33 | $4,383,000 | $132,000 | $1,281,000 | $63,000 | $250,000 |
| Application Withdrawn By Applicant | 18 | $657,000 | $36,000 | $150,000 | $76,000 | $317,000 |
| File Closed For Incompleteness | 3 | $109,000 | $36,000 | $84,000 | $45,000 | $65,000 |
| Application Approved But Not Accepted | 3 | $448,000 | $149,000 | $307,000 | $111,000 | $215,000 |
| 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 | 22 | $1,037,000 | $47,000 | $410,000 | $57,000 | $250,000 |
| Debt-To-Income Ratio | 6 | $1,789,000 | $298,000 | $1,281,000 | $62,000 | $146,000 |
| Other | 2 | $770,000 | $385,000 | $725,000 | $50,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $117,000 | $117,000 | $117,000 | $60,000 | $60,000 |
| Collateral | 1 | $640,000 | $640,000 | $640,000 | $250,000 | $250,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St Martin Bank & Trust Company's 2010 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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