St Martin Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, St Martin Bank & Trust Company of St Martinville, LA reported 530 mortgage applications totaling $52.7 million, up 17% from 2014. The average application was for $99,392, and applicants reported an average income of $97,362. 91% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lafayette, LA (390), Lake Charles, LA (12) and Baton Rouge, LA (11) (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 | 530 |
| Total Mortgage Loan Application Amount | $52,678,000 |
| Average Mortgage Loan Application Amount | $99,392 |
| Highest Mortgage Loan Application Amount | $4,016,000 |
| Average Applicant Income | $97,362 |
| Highest Applicant Income | $1,802,000 |
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records St Martin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 178 | $ 25,810,000 | $ 145,000 | $ 107,000 |
| Acadia, Louisiana | 93 | $ 6,603,000 | $ 71,000 | $ 65,000 |
| St. Martin, Louisiana | 81 | $ 5,919,000 | $ 73,074 | $ 73,000 |
| Jefferson Davis, Louisiana | 77 | $ 6,448,000 | $ 83,740 | $ 150,000 |
| St. Landry, Louisiana | 25 | $ 1,742,000 | $ 69,680 | $ 72,000 |
| Iberia, Louisiana | 19 | $ 967,000 | $ 50,894 | $ 58,000 |
| Vermilion, Louisiana | 19 | $ 1,125,000 | $ 59,210 | $ 47,000 |
| Calcasieu, Louisiana | 10 | $ 944,000 | $ 94,400 | $ 56,000 |
| Allen, Louisiana | 6 | $ 357,000 | $ 59,500 | $ 58,000 |
| East Baton Rouge, Louisiana | 6 | $ 707,000 | $ 117,833 | $ 297,000 |
| Evangeline, Louisiana | 4 | $ 793,000 | $ 198,250 | $ 87,000 |
| Pointe Coupee, Louisiana | 3 | $ 119,000 | $ 39,666 | $ 0 |
| Cameron, Louisiana | 2 | $ 255,000 | $ 127,500 | $ 901,000 |
| Jefferson, Louisiana | 2 | $ 327,000 | $ 163,500 | $ 120,000 |
| Baldwin, Alabama | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Ascension, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Ouachita, Louisiana | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Terrebonne, Louisiana | 1 | $ 47,000 | $ 47,000 | $ 0 |
| West Baton Rouge, Louisiana | 1 | $ 24,000 | $ 24,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for St Martin Bank & Trust Company in 2015
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 | 254 | $25,262,000 | $99,000 | $1,085,000 | $118,000 | $1,802,000 |
| Refinancing | 189 | $23,896,000 | $126,000 | $4,016,000 | $79,000 | $882,000 |
| Home Improvement | 87 | $3,520,000 | $40,000 | $241,000 | $77,000 | $733,000 |
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 | 377 | $32,376,000 | $85,000 | $1,085,000 | $120,000 | $1,802,000 |
| Not applicable | 100 | $16,296,000 | $162,000 | $4,016,000 | $0 | $0 |
| Black or African American | 42 | $2,644,000 | $62,000 | $325,000 | $91,000 | $1,303,000 |
| Hispanic | 6 | $905,000 | $150,000 | $326,000 | $162,000 | $299,000 |
| Asian | 4 | $128,000 | $32,000 | $44,000 | $147,000 | $166,000 |
| American Indian or Alaskan Native | 1 | $329,000 | $329,000 | $329,000 | $834,000 | $834,000 |
| 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) | 530 | $52,678,000 | $99,000 | $4,016,000 | $97,000 | $1,802,000 |
| 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 | 483 | $45,433,000 | $94,000 | $1,085,000 | $100,000 | $1,802,000 |
| Application Withdrawn By Applicant | 26 | $6,113,000 | $235,000 | $4,016,000 | $79,000 | $257,000 |
| Application Denied By Financial Institution | 21 | $1,132,000 | $53,000 | $186,000 | $52,000 | $143,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 16 | $842,000 | $52,000 | $186,000 | $56,000 | $143,000 |
| Debt-To-Income Ratio | 4 | $254,000 | $63,000 | $103,000 | $46,000 | $51,000 |
| Employment History | 1 | $36,000 | $36,000 | $36,000 | $23,000 | $23,000 |
| 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 Martin Bank & Trust Company's 2015 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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