Tri-Parish Bank Mortgage Lending & HMDA Data, 2005
In 2005, Tri-Parish Bank of Eunice, LA reported 206 mortgage applications totaling $18.1 million. The average application was for $87,762, and applicants reported an average income of $55,689. 83% of its applications resulted in an originated loan and 5% were denied. Its largest market was Lafayette, LA (31).
| 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 | 206 |
| Total Mortgage Loan Application Amount | $18,079,000 |
| Average Mortgage Loan Application Amount | $87,762 |
| Highest Mortgage Loan Application Amount | $418,000 |
| Average Applicant Income | $55,689 |
| Highest Applicant Income | $480,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, LA | 31 | $ 4,508,000 | $ 145,419 | $ 59,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2005
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 | 129 | $13,304,000 | $102,500 | $418,000 | $60,500 | $447,000 |
| Refinancing | 56 | $4,107,000 | $84,500 | $227,000 | $124,500 | $480,000 |
| Home Improvement | 21 | $668,000 | $20,500 | $170,000 | $38,000 | $134,000 |
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 | 166 | $15,528,000 | $93,000 | $418,000 | $85,500 | $480,000 |
| Not applicable | 21 | $1,302,000 | $62,000 | $170,000 | $29,000 | $84,000 |
| Black or African American | 15 | $879,000 | $104,500 | $163,000 | $38,500 | $61,000 |
| Hispanic | 1 | $109,000 | $109,000 | $109,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $231,000 | $231,000 |
| Asian | 1 | $112,000 | $112,000 | $112,000 | $54,000 | $54,000 |
| Not Provided | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
| 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) | 206 | $18,079,000 | $90,500 | $418,000 | $81,500 | $480,000 |
| 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 | 172 | $14,868,000 | $89,000 | $418,000 | $92,000 | $480,000 |
| Application Withdrawn By Applicant | 18 | $1,855,000 | $99,000 | $228,000 | $85,500 | $231,000 |
| Application Denied By Financial Institution | 10 | $644,000 | $72,500 | $121,000 | $37,500 | $77,000 |
| Preapproval Approved but not Accepted | 4 | $515,000 | $128,000 | $180,000 | $53,000 | $64,000 |
| Application Approved But Not Accepted | 1 | $132,000 | $132,000 | $132,000 | $60,000 | $60,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 2005 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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