Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Evangeline Bank & Trust Company of Ville Platte, LA reported 709 mortgage applications totaling $124.3 million, about the same as 2021. The average application was for $175,366, and applicants reported an average income of $119,637. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Alexandria, LA (239), Lake Charles, LA (116) and Lafayette, LA (77) (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 | 709 |
| Total Mortgage Loan Application Amount | $124,335,000 |
| Average Mortgage Loan Application Amount | $175,366 |
| Highest Mortgage Loan Application Amount | $3,755,000 |
| Average Applicant Income | $119,637 |
| Highest Applicant Income | $1,295,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 216 | $ 26,850,000 | $ 124,305 | $ 89,000 |
| Evangeline, Louisiana | 142 | $ 12,470,000 | $ 87,816 | $ 90,000 |
| Calcasieu, Louisiana | 113 | $ 23,445,000 | $ 207,477 | $ 136,000 |
| Lafayette, Louisiana | 48 | $ 15,730,000 | $ 327,708 | $ 326,000 |
| St. Landry, Louisiana | 35 | $ 8,565,000 | $ 244,714 | $ 171,000 |
| Grant, Louisiana | 23 | $ 2,335,000 | $ 101,521 | $ 101,000 |
| Vernon, Louisiana | 18 | $ 6,070,000 | $ 337,222 | $ 235,000 |
| Beauregard, Louisiana | 17 | $ 2,375,000 | $ 139,705 | $ 84,000 |
| Acadia, Louisiana | 16 | $ 5,400,000 | $ 337,500 | $ 114,000 |
| East Baton Rouge, Louisiana | 15 | $ 5,485,000 | $ 365,666 | $ 343,000 |
| Avoyelles, Louisiana | 9 | $ 815,000 | $ 90,555 | $ 78,000 |
| St. Mary, Louisiana | 9 | $ 1,185,000 | $ 131,666 | $ 79,000 |
| Iberia, Louisiana | 7 | $ 1,005,000 | $ 143,571 | $ 34,000 |
| Allen, Louisiana | 6 | $ 3,330,000 | $ 555,000 | $ 72,000 |
| Caddo, Louisiana | 4 | $ 250,000 | $ 62,500 | $ 0 |
| Jefferson Davis, Louisiana | 4 | $ 710,000 | $ 177,500 | $ 74,000 |
| Cameron, Louisiana | 3 | $ 645,000 | $ 215,000 | $ 164,000 |
| St. Martin, Louisiana | 3 | $ 645,000 | $ 215,000 | $ 102,000 |
| Vermilion, Louisiana | 3 | $ 905,000 | $ 301,666 | $ 0 |
| Sabine, Louisiana | 2 | $ 500,000 | $ 250,000 | $ 266,000 |
| Crawford, Arkansas | 1 | $ 1,615,000 | $ 1,615,000 | $ 0 |
| Montgomery, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 447,000 |
| Ascension, Louisiana | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Caldwell, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Catahoula, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Livingston, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Natchitoches, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Plaquemines, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| St. John the Baptist, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tensas, Louisiana | 1 | $ 745,000 | $ 745,000 | $ 1,080,000 |
| West Feliciana, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Winn, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Grundy, Tennessee | 1 | $ 705,000 | $ 705,000 | $ 463,000 |
| Montgomery, Texas | 1 | $ 255,000 | $ 255,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2022
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 | 408 | $77,250,000 | $189,000 | $3,755,000 | $117,000 | $1,080,000 |
| Refinancing | 245 | $43,485,000 | $177,000 | $3,085,000 | $131,000 | $1,295,000 |
| Home Improvement | 40 | $2,820,000 | $70,000 | $375,000 | $86,000 | $267,000 |
| Other Purpose | 16 | $780,000 | $48,000 | $115,000 | $97,000 | $247,000 |
| 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 | 362 | $48,750,000 | $134,000 | $925,000 | $122,000 | $1,295,000 |
| Not applicable | 287 | $70,445,000 | $245,000 | $3,755,000 | $0 | $0 |
| Black or African American | 50 | $3,340,000 | $66,000 | $265,000 | $81,000 | $206,000 |
| Asian | 4 | $810,000 | $202,000 | $385,000 | $136,000 | $177,000 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $145,000 | $62,000 | $71,000 |
| Hispanic | 2 | $200,000 | $100,000 | $185,000 | $67,000 | $68,000 |
| 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 | $123,840,000 | $175,000 | $3,755,000 | $119,000 | $1,295,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $270,000 | $135,000 | $175,000 | $34,000 | $34,000 |
| FHA-insured (Federal Housing Administration) | 1 | $225,000 | $225,000 | $225,000 | $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 | 584 | $102,210,000 | $175,000 | $3,755,000 | $121,000 | $1,080,000 |
| Application Approved But Not Accepted | 59 | $8,665,000 | $146,000 | $1,365,000 | $116,000 | $1,295,000 |
| Application Denied By Financial Institution | 38 | $6,710,000 | $176,000 | $1,825,000 | $57,000 | $83,000 |
| Application Withdrawn By Applicant | 28 | $6,750,000 | $241,000 | $925,000 | $107,000 | $262,000 |
| 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 | 671 | $117,625,000 | $175,000 | $3,755,000 | $120,000 | $1,295,000 |
| Credit History | 20 | $2,270,000 | $113,000 | $315,000 | $0 | $0 |
| Debt-To-Income Ratio | 7 | $855,000 | $122,000 | $225,000 | $57,000 | $83,000 |
| Other | 7 | $2,985,000 | $426,000 | $1,825,000 | $0 | $0 |
| Collateral | 2 | $120,000 | $60,000 | $65,000 | $0 | $0 |
| Employment History | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2022 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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