Tri-Parish Bank Mortgage Lending & HMDA Data, 2016
In 2016, Tri-Parish Bank of Eunice, LA reported 105 mortgage applications totaling $12.7 million, down 52% from 2015. The average application was for $121,323, and applicants reported an average income of $58,047. 88% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lafayette, LA (52), Lake Charles, LA (14) and New Orleans-Metairie, LA (3) (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 | 105 |
| Total Mortgage Loan Application Amount | $12,739,000 |
| Average Mortgage Loan Application Amount | $121,323 |
| Highest Mortgage Loan Application Amount | $947,000 |
| Average Applicant Income | $58,047 |
| Highest Applicant Income | $746,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lafayette, Louisiana | 30 | $ 4,078,000 | $ 135,933 | $ 36,000 |
| St. Landry, Louisiana | 24 | $ 2,085,000 | $ 86,875 | $ 77,000 |
| Calcasieu, Louisiana | 14 | $ 931,000 | $ 66,500 | $ 4,000 |
| Acadia, Louisiana | 13 | $ 1,742,000 | $ 134,000 | $ 160,000 |
| Evangeline, Louisiana | 7 | $ 836,000 | $ 119,428 | $ 82,000 |
| Vermilion, Louisiana | 4 | $ 610,000 | $ 152,500 | $ 32,000 |
| Iberia, Louisiana | 3 | $ 177,000 | $ 59,000 | $ 12,000 |
| Jefferson Davis, Louisiana | 2 | $ 95,000 | $ 47,500 | $ 31,000 |
| Orleans, Louisiana | 2 | $ 92,000 | $ 46,000 | $ 0 |
| St. Martin, Louisiana | 2 | $ 300,000 | $ 150,000 | $ 87,000 |
| Baldwin, Alabama | 1 | $ 570,000 | $ 570,000 | $ 0 |
| Assumption, Louisiana | 1 | $ 947,000 | $ 947,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 141,000 | $ 141,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2016
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 | 65 | $8,845,000 | $136,000 | $590,000 | $55,000 | $746,000 |
| Refinancing | 30 | $3,572,000 | $119,000 | $947,000 | $57,000 | $289,000 |
| Home Improvement | 10 | $322,000 | $32,000 | $88,000 | $81,000 | $358,000 |
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 | 51 | $6,390,000 | $125,000 | $590,000 | $101,000 | $746,000 |
| Not applicable | 48 | $6,033,000 | $125,000 | $947,000 | $7,000 | $173,000 |
| Black or African American | 4 | $234,000 | $58,000 | $98,000 | $125,000 | $234,000 |
| Hispanic | 2 | $82,000 | $41,000 | $65,000 | $64,000 | $79,000 |
| Native Hawaiin 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) | 102 | $12,361,000 | $121,000 | $947,000 | $59,000 | $746,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $378,000 | $126,000 | $242,000 | $48,000 | $87,000 |
| 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 | 92 | $10,547,000 | $114,000 | $947,000 | $54,000 | $746,000 |
| Application Denied By Financial Institution | 6 | $1,032,000 | $172,000 | $382,000 | $76,000 | $100,000 |
| Application Withdrawn By Applicant | 4 | $700,000 | $175,000 | $333,000 | $125,000 | $290,000 |
| Application Approved But Not Accepted | 3 | $460,000 | $153,000 | $310,000 | $78,000 | $110,000 |
| 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 2016 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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