Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Evangeline Bank & Trust Company of Ville Platte, LA reported 782 mortgage applications totaling $37.3 million, up 38% from 2006. The average application was for $47,677, and applicants reported an average income of $50,882. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Alexandria, LA (484), Lafayette, LA (7) and Baton Rouge, LA (1) (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 | 782 |
| Total Mortgage Loan Application Amount | $37,284,000 |
| Average Mortgage Loan Application Amount | $47,677 |
| Highest Mortgage Loan Application Amount | $583,000 |
| Average Applicant Income | $50,882 |
| Highest Applicant Income | $672,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 484 | $ 23,533,000 | $ 48,621 | $ 52,000 |
| Lafayette, LA | 7 | $ 433,000 | $ 61,857 | $ 73,000 |
| Baton Rouge, LA | 1 | $ 150,000 | $ 150,000 | $ 140,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Lake Charles, LA | 1 | $ 30,000 | $ 30,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2007
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 | 336 | $18,380,000 | $54,000 | $583,000 | $49,000 | $672,000 |
| Refinancing | 330 | $14,356,000 | $43,000 | $230,000 | $51,000 | $324,000 |
| Home Improvement | 116 | $4,548,000 | $39,000 | $379,000 | $56,000 | $250,000 |
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 | 593 | $27,064,000 | $45,000 | $379,000 | $60,000 | $672,000 |
| Not applicable | 116 | $6,400,000 | $55,000 | $325,000 | $2,000 | $258,000 |
| Black or African American | 58 | $2,825,000 | $48,000 | $583,000 | $48,000 | $480,000 |
| Asian | 6 | $158,000 | $26,000 | $85,000 | $47,000 | $72,000 |
| Hispanic | 4 | $335,000 | $83,000 | $113,000 | $145,000 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $403,000 | $134,000 | $345,000 | $43,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $39,000 | $39,000 | $39,000 | $67,000 | $67,000 |
| Not Provided | 1 | $60,000 | $60,000 | $60,000 | $22,000 | $22,000 |
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) | 782 | $37,284,000 | $47,000 | $583,000 | $51,000 | $672,000 |
| 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 | 763 | $36,378,000 | $47,000 | $583,000 | $51,000 | $672,000 |
| Application Denied By Financial Institution | 19 | $906,000 | $47,000 | $97,000 | $33,000 | $85,000 |
| 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 | 16 | $741,000 | $46,000 | $84,000 | $39,000 | $85,000 |
| Collateral | 3 | $165,000 | $55,000 | $97,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Evangeline Bank & Trust Company's 2007 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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