Tri-Parish Bank Mortgage Lending & HMDA Data, 2013
In 2013, Tri-Parish Bank of Eunice, LA reported 250 mortgage applications totaling $36.3 million, up 8% from 2012. The average application was for $145,060, and applicants reported an average income of $78,488. 61% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Lafayette, LA (48), Lake Charles, LA (13) and New Orleans-Metairie-Kenner, LA (2) (applications in parentheses).
| 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 | 250 |
| Total Mortgage Loan Application Amount | $36,265,000 |
| Average Mortgage Loan Application Amount | $145,060 |
| Highest Mortgage Loan Application Amount | $3,052,000 |
| Average Applicant Income | $78,488 |
| Highest Applicant Income | $424,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 80 | $ 7,446,000 | $ 93,075 | $ 64,000 |
| Lafayette, Louisiana | 43 | $ 8,418,000 | $ 195,767 | $ 109,000 |
| Acadia, Louisiana | 41 | $ 6,372,000 | $ 155,414 | $ 97,000 |
| Evangeline, Louisiana | 36 | $ 4,498,000 | $ 124,944 | $ 66,000 |
| Calcasieu, Louisiana | 13 | $ 841,000 | $ 64,692 | $ 28,000 |
| Jefferson Davis, Louisiana | 5 | $ 556,000 | $ 111,200 | $ 117,000 |
| St. Martin, Louisiana | 5 | $ 550,000 | $ 110,000 | $ 106,000 |
| Allen, Louisiana | 4 | $ 579,000 | $ 144,750 | $ 119,000 |
| Tangipahoa, Louisiana | 2 | $ 4,027,000 | $ 2,013,500 | $ 0 |
| Vermilion, Louisiana | 2 | $ 69,000 | $ 34,500 | $ 68,000 |
| Ascension, Louisiana | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Avoyelles, Louisiana | 1 | $ 166,000 | $ 166,000 | $ 90,000 |
| De Soto, Louisiana | 1 | $ 16,000 | $ 16,000 | $ 56,000 |
| Iberia, Louisiana | 1 | $ 171,000 | $ 171,000 | $ 87,000 |
| Orleans, Louisiana | 1 | $ 240,000 | $ 240,000 | $ 48,000 |
| Sabine, Louisiana | 1 | $ 60,000 | $ 60,000 | $ 13,000 |
| St. John the Baptist, Louisiana | 1 | $ 126,000 | $ 126,000 | $ 108,000 |
| St. Mary, Louisiana | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Terrebonne, Louisiana | 1 | $ 172,000 | $ 172,000 | $ 124,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2013
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 | 154 | $22,301,000 | $144,000 | $945,000 | $79,000 | $400,000 |
| Refinancing | 76 | $12,205,000 | $160,000 | $3,052,000 | $81,000 | $424,000 |
| Home Improvement | 20 | $1,759,000 | $87,000 | $225,000 | $65,000 | $216,000 |
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 | 208 | $28,801,000 | $138,000 | $945,000 | $88,000 | $424,000 |
| Black or African American | 19 | $1,835,000 | $96,000 | $240,000 | $48,000 | $189,000 |
| Not applicable | 17 | $4,882,000 | $287,000 | $3,052,000 | $0 | $0 |
| Not Provided | 3 | $265,000 | $88,000 | $100,000 | $82,000 | $103,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $13,000 | $13,000 |
| American Indian or Alaskan Native | 1 | $172,000 | $172,000 | $172,000 | $124,000 | $124,000 |
| Asian | 1 | $250,000 | $250,000 | $250,000 | $72,000 | $72,000 |
| 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) | 223 | $33,029,000 | $148,000 | $3,052,000 | $82,000 | $424,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,236,000 | $119,000 | $235,000 | $44,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 153 | $24,553,000 | $160,000 | $3,052,000 | $89,000 | $424,000 |
| Application Denied By Financial Institution | 54 | $6,397,000 | $118,000 | $266,000 | $54,000 | $168,000 |
| Application Approved But Not Accepted | 24 | $2,745,000 | $114,000 | $265,000 | $69,000 | $167,000 |
| Application Withdrawn By Applicant | 19 | $2,570,000 | $135,000 | $528,000 | $73,000 | $285,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2013 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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