Tri-Parish Bank Mortgage Lending & HMDA Data, 2010
In 2010, Tri-Parish Bank of Eunice, LA reported 198 mortgage applications totaling $26.3 million, down 14% from 2009. The average application was for $132,954, and applicants reported an average income of $104,626. 68% of its applications resulted in an originated loan and 15% were denied. Its largest market was Lafayette, LA (37).
| 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 | 198 |
| Total Mortgage Loan Application Amount | $26,325,000 |
| Average Mortgage Loan Application Amount | $132,954 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $104,626 |
| Highest Applicant Income | $3,600,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 37 | $ 5,800,000 | $ 156,756 | $ 188,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2010
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 | 118 | $15,593,000 | $132,000 | $417,000 | $77,000 | $460,000 |
| Refinancing | 75 | $10,336,000 | $137,000 | $417,000 | $147,000 | $3,600,000 |
| Home Improvement | 5 | $396,000 | $79,000 | $132,000 | $121,000 | $190,000 |
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 | 176 | $24,076,000 | $136,000 | $417,000 | $112,000 | $3,600,000 |
| Black or African American | 11 | $1,220,000 | $110,000 | $288,000 | $53,000 | $136,000 |
| Not applicable | 8 | $472,000 | $59,000 | $120,000 | $26,000 | $47,000 |
| Asian | 3 | $557,000 | $185,000 | $320,000 | $70,000 | $136,000 |
| 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) | 166 | $22,928,000 | $138,000 | $417,000 | $112,000 | $3,600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,091,000 | $90,000 | $160,000 | $46,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,197,000 | $149,000 | $250,000 | $72,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 1 | $109,000 | $109,000 | $109,000 | $494,000 | $494,000 |
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 | 134 | $17,778,000 | $132,000 | $417,000 | $124,000 | $3,600,000 |
| Application Withdrawn By Applicant | 33 | $4,613,000 | $139,000 | $417,000 | $71,000 | $167,000 |
| Application Denied By Financial Institution | 30 | $3,822,000 | $127,000 | $250,000 | $61,000 | $160,000 |
| Application Approved But Not Accepted | 1 | $112,000 | $112,000 | $112,000 | $37,000 | $37,000 |
| 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 2010 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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