Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Evangeline Bank & Trust Company of Ville Platte, LA reported 567 mortgage applications totaling $31.9 million, up 5% from 2005. The average application was for $56,195, and applicants reported an average income of $47,155. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Alexandria, LA (301), Lafayette, LA (7) and Baton Rouge, LA (4) (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 | $31,863,000 |
| Average Mortgage Loan Application Amount | $56,195 |
| Highest Mortgage Loan Application Amount | $2,780,000 |
| Average Applicant Income | $47,155 |
| Highest Applicant Income | $300,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alexandria, LA | 301 | $ 19,313,000 | $ 64,162 | $ 46,000 |
| Lafayette, LA | 7 | $ 713,000 | $ 101,857 | $ 73,000 |
| Baton Rouge, LA | 4 | $ 428,000 | $ 107,000 | $ 38,000 |
| Monroe, LA | 3 | $ 166,000 | $ 55,333 | $ 34,000 |
| Lake Charles, LA | 2 | $ 54,000 | $ 27,000 | $ 46,000 |
| Shreveport-Bossier City, LA | 2 | $ 28,000 | $ 14,000 | $ 0 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2006
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 | 282 | $18,793,000 | $66,000 | $2,780,000 | $44,000 | $300,000 |
| Refinancing | 188 | $9,624,000 | $51,000 | $333,000 | $53,000 | $300,000 |
| Home Improvement | 97 | $3,446,000 | $35,000 | $324,000 | $45,000 | $168,000 |
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 | 439 | $21,604,000 | $49,000 | $277,000 | $55,000 | $300,000 |
| Not applicable | 76 | $8,229,000 | $108,000 | $2,780,000 | $0 | $0 |
| Black or African American | 48 | $1,833,000 | $38,000 | $333,000 | $52,000 | $217,000 |
| Not Provided | 2 | $140,000 | $70,000 | $120,000 | $27,000 | $54,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $50,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $22,000 | $22,000 | $22,000 | $94,000 | $94,000 |
| 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 | $31,863,000 | $56,000 | $2,780,000 | $47,000 | $300,000 |
| 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 | 548 | $30,964,000 | $56,000 | $2,780,000 | $47,000 | $300,000 |
| Application Denied By Financial Institution | 19 | $899,000 | $47,000 | $150,000 | $37,000 | $82,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 15 | $651,000 | $43,000 | $120,000 | $40,000 | $82,000 |
| Collateral | 2 | $56,000 | $28,000 | $50,000 | $45,000 | $54,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $42,000 | $42,000 | $42,000 | $16,000 | $16,000 |
| Employment History | 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evangeline Bank & Trust Company's 2006 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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