Teche Bank & Trust Co. Mortgage Lending & HMDA Data, 2017
In 2017, Teche Bank & Trust Co. of St Martinville, LA reported 94 mortgage applications totaling $7.9 million, up 3% from 2016. The average application was for $84,127, and applicants reported an average income of $77,893. 77% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lafayette, LA (83), Baton Rouge, LA (3) and New Orleans-Metairie, LA (2) (applications in parentheses).
| Mortgage Company & Address | Teche Bank & Trust Co. 606 South Main Street St Martinville, LA 70582 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 94 |
| Total Mortgage Loan Application Amount | $7,908,000 |
| Average Mortgage Loan Application Amount | $84,127 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $77,893 |
| Highest Applicant Income | $489,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Teche Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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. Martin, Louisiana | 35 | $ 1,879,000 | $ 53,685 | $ 60,000 |
| Iberia, Louisiana | 27 | $ 2,659,000 | $ 98,481 | $ 61,000 |
| Lafayette, Louisiana | 16 | $ 1,794,000 | $ 112,125 | $ 114,000 |
| Vermilion, Louisiana | 5 | $ 255,000 | $ 51,000 | $ 116,000 |
| Iberville, Louisiana | 3 | $ 250,000 | $ 83,333 | $ 143,000 |
| St. Landry, Louisiana | 2 | $ 68,000 | $ 34,000 | $ 93,000 |
| Beauregard, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Evangeline, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Jefferson, Louisiana | 1 | $ 268,000 | $ 268,000 | $ 73,000 |
| St. Mary, Louisiana | 1 | $ 78,000 | $ 78,000 | $ 56,000 |
| St. Tammany, Louisiana | 1 | $ 250,000 | $ 250,000 | $ 311,000 |
| Terrebonne, Louisiana | 1 | $ 77,000 | $ 77,000 | $ 0 |
Mortgage Loan Application Detail Totals for Teche Bank & Trust Co. in 2017
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 | 42 | $4,808,000 | $114,000 | $1,000,000 | $77,000 | $489,000 |
| Home Purchase | 32 | $2,123,000 | $66,000 | $301,000 | $84,000 | $358,000 |
| Home Improvement | 20 | $977,000 | $48,000 | $250,000 | $70,000 | $311,000 |
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 | 68 | $5,085,000 | $74,000 | $301,000 | $99,000 | $489,000 |
| Black or African American | 13 | $305,000 | $23,000 | $55,000 | $45,000 | $107,000 |
| Not applicable | 11 | $2,390,000 | $217,000 | $1,000,000 | $0 | $0 |
| Hispanic | 1 | $68,000 | $68,000 | $68,000 | $0 | $0 |
| Asian | 1 | $60,000 | $60,000 | $60,000 | $41,000 | $41,000 |
| 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) | 92 | $7,438,000 | $80,000 | $1,000,000 | $78,000 | $489,000 |
| FHA-insured (Federal Housing Administration) | 2 | $470,000 | $235,000 | $268,000 | $78,000 | $83,000 |
| 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 | 72 | $6,293,000 | $87,000 | $1,000,000 | $77,000 | $489,000 |
| Application Denied By Financial Institution | 11 | $937,000 | $85,000 | $268,000 | $58,000 | $277,000 |
| Application Approved But Not Accepted | 7 | $324,000 | $46,000 | $83,000 | $74,000 | $170,000 |
| Application Withdrawn By Applicant | 4 | $354,000 | $88,000 | $202,000 | $152,000 | $358,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Teche Bank & Trust Co.'s 2017 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 Teche 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.
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with aggregated HMDA statistics today.
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