Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Evangeline Bank & Trust Company of Ville Platte, LA reported 706 mortgage applications totaling $121.9 million, up 14% from 2020. The average application was for $172,606, and applicants reported an average income of $112,069. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Alexandria, LA (218), Lake Charles, LA (161) and Lafayette, LA (68) (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 | 706 |
| Total Mortgage Loan Application Amount | $121,860,000 |
| Average Mortgage Loan Application Amount | $172,606 |
| Highest Mortgage Loan Application Amount | $4,735,000 |
| Average Applicant Income | $112,069 |
| Highest Applicant Income | $1,324,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 210 | $ 33,430,000 | $ 159,190 | $ 108,000 |
| Calcasieu, Louisiana | 157 | $ 31,255,000 | $ 199,076 | $ 161,000 |
| Evangeline, Louisiana | 126 | $ 19,810,000 | $ 157,222 | $ 98,000 |
| Lafayette, Louisiana | 45 | $ 10,385,000 | $ 230,777 | $ 149,000 |
| St. Landry, Louisiana | 30 | $ 2,460,000 | $ 82,000 | $ 66,000 |
| Beauregard, Louisiana | 19 | $ 2,575,000 | $ 135,526 | $ 74,000 |
| Acadia, Louisiana | 17 | $ 1,145,000 | $ 67,352 | $ 70,000 |
| Vernon, Louisiana | 15 | $ 2,815,000 | $ 187,666 | $ 141,000 |
| Avoyelles, Louisiana | 14 | $ 850,000 | $ 60,714 | $ 46,000 |
| East Baton Rouge, Louisiana | 12 | $ 4,370,000 | $ 364,166 | $ 258,000 |
| Jefferson Davis, Louisiana | 9 | $ 1,815,000 | $ 201,666 | $ 126,000 |
| Grant, Louisiana | 8 | $ 660,000 | $ 82,500 | $ 70,000 |
| Allen, Louisiana | 6 | $ 830,000 | $ 138,333 | $ 114,000 |
| Sabine, Louisiana | 5 | $ 965,000 | $ 193,000 | $ 148,000 |
| Cameron, Louisiana | 4 | $ 930,000 | $ 232,500 | $ 112,000 |
| Natchitoches, Louisiana | 3 | $ 305,000 | $ 101,666 | $ 145,000 |
| Iberia, Louisiana | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Jefferson, Louisiana | 2 | $ 350,000 | $ 175,000 | $ 235,000 |
| La Salle, Louisiana | 2 | $ 130,000 | $ 65,000 | $ 33,000 |
| Ouachita, Louisiana | 2 | $ 360,000 | $ 180,000 | $ 117,000 |
| St. Martin, Louisiana | 2 | $ 820,000 | $ 410,000 | $ 116,000 |
| St. Mary, Louisiana | 2 | $ 610,000 | $ 305,000 | $ 179,000 |
| Vermilion, Louisiana | 2 | $ 1,430,000 | $ 715,000 | $ 72,000 |
| Mobile, Alabama | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Okaloosa, Florida | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Catahoula, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| East Feliciana, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
| Plaquemines, Louisiana | 1 | $ 385,000 | $ 385,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Taney, Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Bexar, Texas | 1 | $ 545,000 | $ 545,000 | $ 357,000 |
| Galveston, Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Harris, Texas | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Montgomery, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Newton, Texas | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2021
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 | 398 | $66,140,000 | $166,000 | $2,945,000 | $113,000 | $1,324,000 |
| Refinancing | 270 | $52,700,000 | $195,000 | $4,735,000 | $110,000 | $924,000 |
| Home Improvement | 27 | $2,295,000 | $85,000 | $275,000 | $126,000 | $541,000 |
| Other Purpose | 11 | $725,000 | $65,000 | $185,000 | $95,000 | $266,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 390 | $51,310,000 | $131,000 | $1,005,000 | $113,000 | $1,324,000 |
| Not applicable | 261 | $64,115,000 | $245,000 | $4,735,000 | $0 | $0 |
| Black or African American | 46 | $4,500,000 | $97,000 | $505,000 | $84,000 | $277,000 |
| Hispanic | 5 | $515,000 | $103,000 | $205,000 | $105,000 | $204,000 |
| Asian | 3 | $1,195,000 | $398,000 | $805,000 | $376,000 | $950,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 706 | $121,860,000 | $172,000 | $4,735,000 | $112,000 | $1,324,000 |
| 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 | 605 | $106,065,000 | $175,000 | $4,735,000 | $114,000 | $1,324,000 |
| Application Approved But Not Accepted | 43 | $5,765,000 | $134,000 | $555,000 | $112,000 | $535,000 |
| Application Denied By Financial Institution | 34 | $4,900,000 | $144,000 | $545,000 | $55,000 | $184,000 |
| Application Withdrawn By Applicant | 24 | $5,130,000 | $213,000 | $525,000 | $114,000 | $245,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 672 | $116,960,000 | $174,000 | $4,735,000 | $114,000 | $1,324,000 |
| Credit History | 17 | $2,515,000 | $147,000 | $505,000 | $121,000 | $184,000 |
| Debt-To-Income Ratio | 10 | $1,440,000 | $144,000 | $545,000 | $34,000 | $124,000 |
| Other | 4 | $840,000 | $210,000 | $385,000 | $66,000 | $66,000 |
| Collateral | 2 | $70,000 | $35,000 | $55,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| 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 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evangeline Bank & Trust Company's 2021 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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