Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Evangeline Bank & Trust Company of Ville Platte, LA reported 567 mortgage applications totaling $29.0 million, down 19% from 2003. The average application was for $51,089, and applicants reported an average income of $39,562. 93% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Alexandria, LA (301), Baton Rouge, LA (3) and Lafayette, LA (2) (applications in parentheses).
| Mortgage Company & Address | Evangeline Bank & Trust Company P.O. Box 346--497 W. Main Street Ville Platte, LA 70586 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 567 |
| Total Mortgage Loan Application Amount | $28,968,000 |
| Average Mortgage Loan Application Amount | $51,089 |
| Highest Mortgage Loan Application Amount | $736,000 |
| Average Applicant Income | $39,562 |
| Highest Applicant Income | $983,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Rapides, Louisiana | 273 | $ 14,299,000 | $ 52,377 | $ 45,000 |
| Evangeline, Louisiana | 141 | $ 6,689,000 | $ 47,439 | $ 57,000 |
| Acadia, Louisiana | 63 | $ 3,605,000 | $ 57,222 | $ 31,000 |
| Grant, Louisiana | 28 | $ 1,410,000 | $ 50,357 | $ 44,000 |
| St. Landry, Louisiana | 17 | $ 697,000 | $ 41,000 | $ 22,000 |
| Avoyelles, Louisiana | 13 | $ 459,000 | $ 35,307 | $ 46,000 |
| Vernon, Louisiana | 5 | $ 180,000 | $ 36,000 | $ 45,000 |
| Natchitoches, Louisiana | 3 | $ 76,000 | $ 25,333 | $ 41,000 |
| Winn, Louisiana | 3 | $ 139,000 | $ 46,333 | $ 8,000 |
| Allen, Louisiana | 2 | $ 68,000 | $ 34,000 | $ 44,000 |
| Catahoula, Louisiana | 2 | $ 78,000 | $ 39,000 | $ 78,000 |
| East Baton Rouge, Louisiana | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Lafayette, Louisiana | 2 | $ 63,000 | $ 31,500 | $ 0 |
| Vermilion, Louisiana | 2 | $ 80,000 | $ 40,000 | $ 21,000 |
| Baldwin, Alabama | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Columbia, Arkansas | 1 | $ 200,000 | $ 200,000 | $ 126,000 |
| Calcasieu, Louisiana | 1 | $ 114,000 | $ 114,000 | $ 78,000 |
| Cameron, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Concordia, Louisiana | 1 | $ 39,000 | $ 39,000 | $ 105,000 |
| Iberia, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Livingston, Louisiana | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Orleans, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Ouachita, Louisiana | 1 | $ 9,000 | $ 9,000 | $ 14,000 |
| Sabine, Louisiana | 1 | $ 27,000 | $ 27,000 | $ 78,000 |
| Milwaukee, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2004
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 | 450 | $24,035,000 | $122,000 | $736,000 | $48,500 | $387,000 |
| Home Improvement | 82 | $2,926,000 | $35,000 | $207,000 | $34,000 | $983,000 |
| Refinancing | 35 | $2,007,000 | $57,000 | $152,000 | $46,000 | $93,000 |
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 | 447 | $22,379,000 | $89,666 | $736,000 | $66,000 | $983,000 |
| Not applicable | 63 | $4,249,000 | $140,500 | $325,000 | $12,000 | $130,000 |
| Black or African American | 44 | $1,419,000 | $32,000 | $140,000 | $22,000 | $97,000 |
| Hispanic | 7 | $572,000 | $81,000 | $213,000 | $41,000 | $85,000 |
| American Indian or Alaskan Native | 4 | $108,000 | $27,000 | $45,000 | $31,000 | $43,000 |
| Not Provided | 2 | $241,000 | $120,000 | $205,000 | $168,000 | $336,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 567 | $28,968,000 | $121,500 | $736,000 | $48,500 | $983,000 |
| 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 | 530 | $27,435,000 | $155,666 | $736,000 | $56,333 | $983,000 |
| Application Denied By Financial Institution | 35 | $1,401,000 | $30,000 | $147,000 | $29,500 | $91,000 |
| Application Withdrawn By Applicant | 2 | $132,000 | $66,000 | $70,000 | $49,000 | $58,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 30 | $1,249,000 | $31,000 | $147,000 | $31,000 | $91,000 |
| Debt-To-Income Ratio | 2 | $94,000 | $47,000 | $70,000 | $27,000 | $40,000 |
| Employment History | 2 | $50,000 | $25,000 | $26,000 | $20,000 | $30,000 |
| Collateral | 1 | $8,000 | $8,000 | $8,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 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 Evangeline Bank & Trust Company's 2004 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 Evangeline 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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