Teche Bank & Trust Co. Mortgage Lending & HMDA Data, 2012
In 2012, Teche Bank & Trust Co. of St Martinville, LA reported 88 mortgage applications totaling $6.2 million, up 54% from 2011. The average application was for $70,386, and applicants reported an average income of $56,363. 90% of its applications resulted in an originated loan and 8% were denied. Its largest market was Lafayette, LA (51).
| 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 | 88 |
| Total Mortgage Loan Application Amount | $6,194,000 |
| Average Mortgage Loan Application Amount | $70,386 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $56,363 |
| Highest Applicant Income | $277,000 |
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(HMDA) records Teche Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Teche Bank & Trust Co. in 2012
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 | 38 | $2,893,000 | $76,000 | $286,000 | $55,000 | $277,000 |
| Home Improvement | 30 | $856,000 | $28,000 | $120,000 | $57,000 | $148,000 |
| Refinancing | 20 | $2,445,000 | $122,000 | $1,100,000 | $58,000 | $177,000 |
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 | 69 | $4,269,000 | $61,000 | $286,000 | $61,000 | $277,000 |
| Black or African American | 12 | $488,000 | $40,000 | $103,000 | $45,000 | $102,000 |
| Not applicable | 4 | $1,259,000 | $314,000 | $1,100,000 | $0 | $0 |
| Hispanic | 3 | $178,000 | $59,000 | $89,000 | $81,000 | $132,000 |
| 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) | 88 | $6,194,000 | $70,000 | $1,100,000 | $56,000 | $277,000 |
| 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 | 79 | $5,350,000 | $67,000 | $1,100,000 | $55,000 | $277,000 |
| Application Denied By Financial Institution | 7 | $640,000 | $91,000 | $218,000 | $67,000 | $236,000 |
| Application Withdrawn By Applicant | 1 | $84,000 | $84,000 | $84,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $120,000 | $120,000 | $120,000 | $123,000 | $123,000 |
| 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 2012 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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