Teche Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Teche Bank & Trust Co. of St Martinville, LA reported 133 mortgage applications totaling $12.7 million, up 9% from 2014. The average application was for $95,654, and applicants reported an average income of $78,240. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Lafayette, LA (114), Lake Charles, LA (4) and Baton Rouge, LA (1) (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 | 133 |
| Total Mortgage Loan Application Amount | $12,722,000 |
| Average Mortgage Loan Application Amount | $95,654 |
| Highest Mortgage Loan Application Amount | $1,003,000 |
| Average Applicant Income | $78,240 |
| Highest Applicant Income | $695,000 |
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(HMDA) records Teche Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, LA | 114 | $ 11,058,000 | $ 97,000 | $ 79,000 |
| Lake Charles, LA | 4 | $ 853,000 | $ 213,250 | $ 67,000 |
| Baton Rouge, LA | 1 | $ 34,000 | $ 34,000 | $ 163,000 |
Mortgage Loan Application Detail Totals for Teche Bank & Trust Co. 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 | 81 | $9,295,000 | $114,000 | $912,000 | $85,000 | $695,000 |
| Refinancing | 31 | $3,146,000 | $101,000 | $1,003,000 | $77,000 | $286,000 |
| Home Improvement | 21 | $281,000 | $13,000 | $52,000 | $54,000 | $114,000 |
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 | 97 | $8,483,000 | $87,000 | $912,000 | $86,000 | $695,000 |
| Black or African American | 21 | $892,000 | $42,000 | $151,000 | $71,000 | $389,000 |
| Not applicable | 8 | $2,786,000 | $348,000 | $1,003,000 | $0 | $0 |
| Not Provided | 3 | $170,000 | $56,000 | $82,000 | $53,000 | $90,000 |
| Asian | 3 | $334,000 | $111,000 | $197,000 | $88,000 | $115,000 |
| Hispanic | 1 | $57,000 | $57,000 | $57,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 132 | $12,587,000 | $95,000 | $1,003,000 | $78,000 | $695,000 |
| FHA-insured (Federal Housing Administration) | 1 | $135,000 | $135,000 | $135,000 | $59,000 | $59,000 |
| 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 | 90 | $9,089,000 | $100,000 | $1,003,000 | $87,000 | $695,000 |
| Application Denied By Financial Institution | 22 | $1,250,000 | $56,000 | $151,000 | $52,000 | $139,000 |
| Application Withdrawn By Applicant | 12 | $1,137,000 | $94,000 | $220,000 | $71,000 | $168,000 |
| Application Approved But Not Accepted | 9 | $1,246,000 | $138,000 | $700,000 | $62,000 | $168,000 |
| 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 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 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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