Tri-Parish Bank Mortgage Lending & HMDA Data, 2007
In 2007, Tri-Parish Bank of Eunice, LA reported 190 mortgage applications totaling $19.6 million, up 30% from 2006. The average application was for $103,078, and applicants reported an average income of $75,936. 78% of its applications resulted in an originated loan and 13% were denied. Its largest market was Lafayette, LA (25).
| Mortgage Company & Address | Tri-Parish Bank P. O. Box 1029 Eunice, LA 70535 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2003 |
| Total Number of Mortgage Applications | 190 |
| Total Mortgage Loan Application Amount | $19,585,000 |
| Average Mortgage Loan Application Amount | $103,078 |
| Highest Mortgage Loan Application Amount | $519,000 |
| Average Applicant Income | $75,936 |
| Highest Applicant Income | $428,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Landry, Louisiana | 67 | $ 5,720,000 | $ 85,373 | $ 73,000 |
| Acadia, Louisiana | 43 | $ 4,512,000 | $ 104,930 | $ 77,000 |
| Lafayette, Louisiana | 19 | $ 2,412,000 | $ 126,947 | $ 83,000 |
| Evangeline, Louisiana | 14 | $ 1,518,000 | $ 108,428 | $ 66,000 |
| St. Martin, Louisiana | 6 | $ 785,000 | $ 130,833 | $ 57,000 |
| Iberia, Louisiana | 3 | $ 439,000 | $ 146,333 | $ 113,000 |
| Vermilion, Louisiana | 2 | $ 279,000 | $ 139,500 | $ 78,000 |
| St. Mary, Louisiana | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank 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 | 112 | $13,224,000 | $118,000 | $519,000 | $79,000 | $428,000 |
| Refinancing | 69 | $6,114,000 | $88,000 | $296,000 | $69,000 | $350,000 |
| Home Improvement | 9 | $247,000 | $27,000 | $90,000 | $91,000 | $194,000 |
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 | 169 | $17,470,000 | $103,000 | $519,000 | $79,000 | $428,000 |
| Black or African American | 16 | $1,532,000 | $95,000 | $174,000 | $47,000 | $130,000 |
| Not applicable | 3 | $446,000 | $148,000 | $288,000 | $47,000 | $59,000 |
| Hispanic | 2 | $137,000 | $68,000 | $110,000 | $67,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 167 | $16,982,000 | $101,000 | $519,000 | $78,000 | $428,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,442,000 | $116,000 | $186,000 | $59,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $161,000 | $80,000 | $100,000 | $39,000 | $43,000 |
| 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 | 149 | $15,395,000 | $103,000 | $519,000 | $82,000 | $428,000 |
| Application Denied By Financial Institution | 25 | $2,356,000 | $94,000 | $181,000 | $53,000 | $144,000 |
| Application Withdrawn By Applicant | 16 | $1,834,000 | $114,000 | $176,000 | $57,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Tri-Parish Bank'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 Tri-Parish Bank'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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