Tri-Parish Bank Mortgage Lending & HMDA Data, 2011
In 2011, Tri-Parish Bank of Eunice, LA reported 163 mortgage applications totaling $25.3 million, down 18% from 2010. The average application was for $154,963, and applicants reported an average income of $101,239. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Lafayette, LA (34), Lake Charles, 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 | 163 |
| Total Mortgage Loan Application Amount | $25,259,000 |
| Average Mortgage Loan Application Amount | $154,963 |
| Highest Mortgage Loan Application Amount | $932,000 |
| Average Applicant Income | $101,239 |
| Highest Applicant Income | $840,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 34 | $ 8,787,000 | $ 258,441 | $ 171,000 |
| Lake Charles, LA | 2 | $ 306,000 | $ 153,000 | $ 133,000 |
| Baton Rouge, LA | 1 | $ 410,000 | $ 410,000 | $ 424,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 172,000 | $ 172,000 | $ 321,000 |
| Shreveport-Bossier City, LA | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2011
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 | 98 | $14,347,000 | $146,000 | $417,000 | $82,000 | $525,000 |
| Refinancing | 61 | $10,818,000 | $177,000 | $932,000 | $134,000 | $840,000 |
| Home Improvement | 4 | $94,000 | $23,000 | $30,000 | $73,000 | $112,000 |
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 | 137 | $21,544,000 | $157,000 | $800,000 | $113,000 | $840,000 |
| Not applicable | 14 | $2,129,000 | $152,000 | $932,000 | $0 | $0 |
| Black or African American | 10 | $1,324,000 | $132,000 | $198,000 | $63,000 | $142,000 |
| Hispanic | 2 | $262,000 | $131,000 | $172,000 | $179,000 | $321,000 |
| Native Hawaiian 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) | 144 | $23,001,000 | $159,000 | $932,000 | $108,000 | $840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,357,000 | $104,000 | $198,000 | $41,000 | $73,000 |
| FHA-insured (Federal Housing Administration) | 6 | $901,000 | $150,000 | $161,000 | $73,000 | $117,000 |
| 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 | 119 | $18,714,000 | $157,000 | $932,000 | $108,000 | $840,000 |
| Application Denied By Financial Institution | 23 | $2,802,000 | $121,000 | $209,000 | $57,000 | $117,000 |
| Application Withdrawn By Applicant | 18 | $3,420,000 | $190,000 | $800,000 | $119,000 | $576,000 |
| Application Approved But Not Accepted | 2 | $239,000 | $119,000 | $134,000 | $70,000 | $80,000 |
| Preapproval Denied by Financial Institution | 1 | $84,000 | $84,000 | $84,000 | $45,000 | $45,000 |
| 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 |
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 2011 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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