Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Evangeline Bank & Trust Company of Ville Platte, LA reported 809 mortgage applications totaling $50.2 million, down 25% from 2009. The average application was for $62,053, and applicants reported an average income of $51,050. 93% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Alexandria, LA (460), Lafayette, LA (14) and Lake Charles, LA (5) (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 | 809 |
| Total Mortgage Loan Application Amount | $50,201,000 |
| Average Mortgage Loan Application Amount | $62,053 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $51,050 |
| Highest Applicant Income | $772,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 422 | $ 27,912,000 | $ 66,142 | $ 44,000 |
| Evangeline, Louisiana | 187 | $ 10,699,000 | $ 57,213 | $ 54,000 |
| Acadia, Louisiana | 71 | $ 3,450,000 | $ 48,591 | $ 76,000 |
| Grant, Louisiana | 38 | $ 2,605,000 | $ 68,552 | $ 47,000 |
| St. Landry, Louisiana | 17 | $ 1,032,000 | $ 60,705 | $ 53,000 |
| Avoyelles, Louisiana | 14 | $ 772,000 | $ 55,142 | $ 45,000 |
| Lafayette, Louisiana | 10 | $ 844,000 | $ 84,400 | $ 88,000 |
| Vernon, Louisiana | 6 | $ 386,000 | $ 64,333 | $ 66,000 |
| Calcasieu, Louisiana | 4 | $ 165,000 | $ 41,250 | $ 23,000 |
| Natchitoches, Louisiana | 4 | $ 168,000 | $ 42,000 | $ 56,000 |
| St. Martin, Louisiana | 4 | $ 367,000 | $ 91,750 | $ 68,000 |
| Vermilion, Louisiana | 4 | $ 131,000 | $ 32,750 | $ 40,000 |
| Catahoula, Louisiana | 3 | $ 215,000 | $ 71,666 | $ 109,000 |
| Tangipahoa, Louisiana | 3 | $ 474,000 | $ 158,000 | $ 0 |
| Winn, Louisiana | 3 | $ 87,000 | $ 29,000 | $ 20,000 |
| Allen, Louisiana | 2 | $ 16,000 | $ 8,000 | $ 22,000 |
| Walton, Florida | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Beauregard, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Bossier, Louisiana | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Caldwell, Louisiana | 1 | $ 24,000 | $ 24,000 | $ 31,000 |
| Cameron, Louisiana | 1 | $ 52,000 | $ 52,000 | $ 276,000 |
| Concordia, Louisiana | 1 | $ 58,000 | $ 58,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 33,000 | $ 33,000 | $ 38,000 |
| La Salle, Louisiana | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 21,000 | $ 21,000 | $ 96,000 |
| Sabine, Louisiana | 1 | $ 27,000 | $ 27,000 | $ 65,000 |
| St. John the Baptist, Louisiana | 1 | $ 17,000 | $ 17,000 | $ 49,000 |
| St. Mary, Louisiana | 1 | $ 81,000 | $ 81,000 | $ 454,000 |
| Terrebonne, Louisiana | 1 | $ 7,000 | $ 7,000 | $ 110,000 |
| Webster, Louisiana | 1 | $ 99,000 | $ 99,000 | $ 0 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2010
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 | 372 | $22,957,000 | $61,000 | $969,000 | $52,000 | $647,000 |
| Home Purchase | 309 | $21,987,000 | $71,000 | $990,000 | $52,000 | $772,000 |
| Home Improvement | 128 | $5,257,000 | $41,000 | $267,000 | $46,000 | $468,000 |
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 | 601 | $35,599,000 | $59,000 | $969,000 | $62,000 | $772,000 |
| Not applicable | 122 | $9,460,000 | $77,000 | $990,000 | $0 | $0 |
| Black or African American | 72 | $3,728,000 | $51,000 | $243,000 | $39,000 | $137,000 |
| Hispanic | 7 | $1,021,000 | $145,000 | $403,000 | $134,000 | $542,000 |
| Asian | 3 | $129,000 | $43,000 | $84,000 | $21,000 | $43,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $48,000 | $91,000 | $120,000 |
| Not Provided | 2 | $184,000 | $92,000 | $137,000 | $47,000 | $65,000 |
| 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) | 809 | $50,201,000 | $62,000 | $990,000 | $51,000 | $772,000 |
| 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 | 750 | $46,089,000 | $61,000 | $990,000 | $52,000 | $772,000 |
| Application Denied By Financial Institution | 50 | $3,702,000 | $74,000 | $300,000 | $43,000 | $138,000 |
| Application Withdrawn By Applicant | 5 | $292,000 | $58,000 | $98,000 | $36,000 | $71,000 |
| Application Approved But Not Accepted | 4 | $118,000 | $29,000 | $50,000 | $36,000 | $56,000 |
| 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 | 33 | $2,087,000 | $63,000 | $232,000 | $42,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $290,000 | $58,000 | $109,000 | $31,000 | $66,000 |
| Debt-To-Income Ratio | 4 | $450,000 | $112,000 | $200,000 | $45,000 | $118,000 |
| Employment History | 4 | $521,000 | $130,000 | $300,000 | $55,000 | $119,000 |
| Collateral | 2 | $95,000 | $47,000 | $60,000 | $37,000 | $44,000 |
| Other | 2 | $259,000 | $129,000 | $200,000 | $79,000 | $118,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evangeline Bank & Trust Company's 2010 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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with aggregated HMDA statistics today.
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