St Martin Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, St Martin Bank & Trust Company of St Martinville, LA reported 279 mortgage applications totaling $12.6 million, up 16% from 2004. The average application was for $44,985, and applicants reported an average income of $41,709. 91% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lafayette, LA (237), Baton Rouge, LA (2) and New Orleans-Metairie-Kenner, LA (1) (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 | 279 |
| Total Mortgage Loan Application Amount | $12,551,000 |
| Average Mortgage Loan Application Amount | $44,985 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $41,709 |
| Highest Applicant Income | $348,000 |
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records St Martin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for St Martin Bank & Trust Company in 2005
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 | 98 | $6,581,000 | $67,000 | $555,000 | $51,000 | $348,000 |
| Refinancing | 93 | $4,527,000 | $48,000 | $324,000 | $43,000 | $210,000 |
| Home Improvement | 88 | $1,443,000 | $16,000 | $177,000 | $30,000 | $300,000 |
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 | 181 | $6,772,000 | $37,000 | $241,000 | $61,000 | $348,000 |
| Not applicable | 51 | $4,477,000 | $87,000 | $555,000 | $0 | $0 |
| Black or African American | 47 | $1,302,000 | $27,000 | $508,000 | $39,000 | $84,000 |
| 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) | 279 | $12,551,000 | $44,000 | $555,000 | $43,000 | $348,000 |
| 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 | 255 | $11,866,000 | $46,000 | $555,000 | $39,000 | $300,000 |
| Application Denied By Financial Institution | 15 | $275,000 | $18,000 | $66,000 | $34,000 | $74,000 |
| Application Approved But Not Accepted | 6 | $321,000 | $53,000 | $181,000 | $41,000 | $80,000 |
| Application Withdrawn By Applicant | 3 | $89,000 | $29,000 | $64,000 | $133,000 | $348,000 |
| 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 | 11 | $165,000 | $15,000 | $66,000 | $35,000 | $60,000 |
| Collateral | 2 | $73,000 | $36,000 | $65,000 | $43,000 | $74,000 |
| Debt-To-Income Ratio | 1 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $22,000 | $22,000 | $22,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2005 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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