Evangeline Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Evangeline Bank & Trust Company of Ville Platte, LA reported 1,053 mortgage applications totaling $68.8 million, up 35% from 2007. The average application was for $65,314, and applicants reported an average income of $49,588. 94% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Alexandria, LA (645), Lafayette, LA (16) and Lake Charles, LA (3) (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 | 1,053 |
| Total Mortgage Loan Application Amount | $68,776,000 |
| Average Mortgage Loan Application Amount | $65,314 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $49,588 |
| Highest Applicant Income | $900,000 |
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records Evangeline Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Evangeline Bank & Trust Company in 2008
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 | 485 | $29,896,000 | $61,000 | $765,000 | $51,000 | $396,000 |
| Home Purchase | 437 | $32,705,000 | $74,000 | $738,000 | $47,000 | $900,000 |
| Home Improvement | 131 | $6,175,000 | $47,000 | $496,000 | $53,000 | $387,000 |
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 | 799 | $46,990,000 | $58,000 | $625,000 | $61,000 | $900,000 |
| Not applicable | 166 | $17,248,000 | $103,000 | $765,000 | $0 | $0 |
| Black or African American | 70 | $2,940,000 | $42,000 | $154,000 | $42,000 | $162,000 |
| Hispanic | 9 | $763,000 | $84,000 | $240,000 | $36,000 | $62,000 |
| Asian | 4 | $447,000 | $111,000 | $280,000 | $27,000 | $41,000 |
| American Indian or Alaskan Native | 3 | $209,000 | $69,000 | $91,000 | $74,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $119,000 | $119,000 | $119,000 | $111,000 | $111,000 |
| Not Provided | 1 | $60,000 | $60,000 | $60,000 | $31,000 | $31,000 |
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) | 1,053 | $68,776,000 | $65,000 | $765,000 | $50,000 | $900,000 |
| 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 | 989 | $64,672,000 | $65,000 | $765,000 | $50,000 | $900,000 |
| Application Denied By Financial Institution | 57 | $3,582,000 | $62,000 | $200,000 | $47,000 | $192,000 |
| Application Withdrawn By Applicant | 5 | $412,000 | $82,000 | $190,000 | $45,000 | $65,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $92,000 | $74,000 | $106,000 |
| 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 | 44 | $2,653,000 | $60,000 | $200,000 | $43,000 | $125,000 |
| Collateral | 4 | $138,000 | $34,000 | $52,000 | $88,000 | $192,000 |
| Debt-To-Income Ratio | 3 | $330,000 | $110,000 | $154,000 | $51,000 | $78,000 |
| Employment History | 3 | $259,000 | $86,000 | $108,000 | $34,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $202,000 | $67,000 | $84,000 | $47,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2008 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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