Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Evangeline Bank & Trust Company of Ville Platte, LA reported 669 mortgage applications totaling $46.3 million, down 17% from 2010. The average application was for $69,215, and applicants reported an average income of $53,304. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Alexandria, LA (361), Lafayette, LA (12) and Lake Charles, LA (9) (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 | 669 |
| Total Mortgage Loan Application Amount | $46,305,000 |
| Average Mortgage Loan Application Amount | $69,215 |
| Highest Mortgage Loan Application Amount | $1,142,000 |
| Average Applicant Income | $53,304 |
| Highest Applicant Income | $746,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 331 | $ 26,900,000 | $ 81,268 | $ 47,000 |
| Evangeline, Louisiana | 154 | $ 7,993,000 | $ 51,902 | $ 59,000 |
| Acadia, Louisiana | 56 | $ 3,201,000 | $ 57,160 | $ 48,000 |
| Grant, Louisiana | 30 | $ 1,669,000 | $ 55,633 | $ 42,000 |
| St. Landry, Louisiana | 20 | $ 1,228,000 | $ 61,400 | $ 54,000 |
| Avoyelles, Louisiana | 14 | $ 1,001,000 | $ 71,500 | $ 57,000 |
| Lafayette, Louisiana | 12 | $ 888,000 | $ 74,000 | $ 86,000 |
| Calcasieu, Louisiana | 9 | $ 478,000 | $ 53,111 | $ 136,000 |
| Vernon, Louisiana | 7 | $ 580,000 | $ 82,857 | $ 41,000 |
| Allen, Louisiana | 5 | $ 207,000 | $ 41,400 | $ 45,000 |
| La Salle, Louisiana | 4 | $ 193,000 | $ 48,250 | $ 64,000 |
| Vermilion, Louisiana | 4 | $ 87,000 | $ 21,750 | $ 47,000 |
| Natchitoches, Louisiana | 3 | $ 99,000 | $ 33,000 | $ 68,000 |
| Catahoula, Louisiana | 2 | $ 118,000 | $ 59,000 | $ 157,000 |
| East Baton Rouge, Louisiana | 2 | $ 213,000 | $ 106,500 | $ 190,000 |
| Sabine, Louisiana | 2 | $ 173,000 | $ 86,500 | $ 158,000 |
| Caldwell, Louisiana | 1 | $ 22,000 | $ 22,000 | $ 70,000 |
| Concordia, Louisiana | 1 | $ 132,000 | $ 132,000 | $ 66,000 |
| Jefferson Davis, Louisiana | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Orleans, Louisiana | 1 | $ 173,000 | $ 173,000 | $ 1,000 |
| Ouachita, Louisiana | 1 | $ 3,000 | $ 3,000 | $ 23,000 |
| St. Mary, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Webster, Louisiana | 1 | $ 234,000 | $ 234,000 | $ 98,000 |
| Winn, Louisiana | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Travis, Texas | 1 | $ 408,000 | $ 408,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2011
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 | 352 | $24,861,000 | $70,000 | $1,142,000 | $52,000 | $496,000 |
| Home Purchase | 239 | $16,590,000 | $69,000 | $408,000 | $55,000 | $746,000 |
| Home Improvement | 78 | $4,854,000 | $62,000 | $527,000 | $54,000 | $295,000 |
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 | 523 | $33,272,000 | $63,000 | $1,142,000 | $61,000 | $746,000 |
| Not applicable | 80 | $9,324,000 | $116,000 | $1,091,000 | $0 | $0 |
| Black or African American | 50 | $2,164,000 | $43,000 | $219,000 | $48,000 | $172,000 |
| Hispanic | 7 | $937,000 | $133,000 | $389,000 | $118,000 | $374,000 |
| Not Provided | 5 | $269,000 | $53,000 | $154,000 | $43,000 | $62,000 |
| Asian | 4 | $339,000 | $84,000 | $115,000 | $81,000 | $240,000 |
| American Indian or Alaskan Native | 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) | 669 | $46,305,000 | $69,000 | $1,142,000 | $53,000 | $746,000 |
| 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 | 592 | $41,649,000 | $70,000 | $1,142,000 | $54,000 | $746,000 |
| Application Denied By Financial Institution | 52 | $3,099,000 | $59,000 | $295,000 | $41,000 | $147,000 |
| Application Approved But Not Accepted | 19 | $1,254,000 | $66,000 | $148,000 | $44,000 | $122,000 |
| Application Withdrawn By Applicant | 6 | $303,000 | $50,000 | $75,000 | $100,000 | $235,000 |
| 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 | 39 | $2,127,000 | $54,000 | $234,000 | $39,000 | $98,000 |
| Debt-To-Income Ratio | 8 | $434,000 | $54,000 | $140,000 | $41,000 | $99,000 |
| Collateral | 2 | $338,000 | $169,000 | $295,000 | $99,000 | $147,000 |
| Other | 1 | $47,000 | $47,000 | $47,000 | $34,000 | $34,000 |
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2011 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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