Tri-Parish Bank Mortgage Lending & HMDA Data, 2017
In 2017, Tri-Parish Bank of Eunice, LA reported 74 mortgage applications totaling $14.7 million, down 30% from 2016. The average application was for $198,283, and applicants reported an average income of $77,135. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Lafayette, LA (43), New Orleans-Metairie, LA (2) and Baton Rouge, LA (1) (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 | 74 |
| Total Mortgage Loan Application Amount | $14,673,000 |
| Average Mortgage Loan Application Amount | $198,283 |
| Highest Mortgage Loan Application Amount | $3,434,000 |
| Average Applicant Income | $77,135 |
| Highest Applicant Income | $1,429,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 27 | $ 9,168,000 | $ 339,555 | $ 117,000 |
| St. Landry, Louisiana | 16 | $ 829,000 | $ 51,812 | $ 38,000 |
| Acadia, Louisiana | 11 | $ 1,354,000 | $ 123,090 | $ 57,000 |
| Evangeline, Louisiana | 6 | $ 377,000 | $ 62,833 | $ 18,000 |
| Vermilion, Louisiana | 4 | $ 341,000 | $ 85,250 | $ 0 |
| Orleans, Louisiana | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Sabine, Louisiana | 2 | $ 531,000 | $ 265,500 | $ 0 |
| Walton, Florida | 1 | $ 593,000 | $ 593,000 | $ 1,006,000 |
| Calcasieu, Louisiana | 1 | $ 196,000 | $ 196,000 | $ 65,000 |
| De Soto, Louisiana | 1 | $ 17,000 | $ 17,000 | $ 34,000 |
| East Baton Rouge, Louisiana | 1 | $ 20,000 | $ 20,000 | $ 0 |
| St. Martin, Louisiana | 1 | $ 525,000 | $ 525,000 | $ 99,000 |
| St. Mary, Louisiana | 1 | $ 474,000 | $ 474,000 | $ 0 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2017
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 | 34 | $4,793,000 | $140,000 | $525,000 | $50,000 | $255,000 |
| Refinancing | 29 | $9,529,000 | $328,000 | $3,434,000 | $120,000 | $1,429,000 |
| Home Improvement | 11 | $351,000 | $31,000 | $76,000 | $48,000 | $212,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 36 | $6,402,000 | $177,000 | $804,000 | $0 | $0 |
| White | 31 | $7,793,000 | $251,000 | $3,434,000 | $176,000 | $1,429,000 |
| Black or African American | 6 | $282,000 | $47,000 | $80,000 | $34,000 | $58,000 |
| Asian | 1 | $196,000 | $196,000 | $196,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 74 | $14,673,000 | $198,000 | $3,434,000 | $77,000 | $1,429,000 |
| 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 | 52 | $11,815,000 | $227,000 | $3,434,000 | $86,000 | $1,429,000 |
| Application Denied By Financial Institution | 11 | $1,176,000 | $106,000 | $525,000 | $42,000 | $99,000 |
| Application Withdrawn By Applicant | 6 | $1,037,000 | $172,000 | $337,000 | $71,000 | $172,000 |
| Application Approved But Not Accepted | 5 | $645,000 | $129,000 | $405,000 | $72,000 | $144,000 |
| 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 2017 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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