Tri-Parish Bank Mortgage Lending & HMDA Data, 2012
In 2012, Tri-Parish Bank of Eunice, LA reported 231 mortgage applications totaling $36.8 million, up 42% from 2011. The average application was for $159,281, and applicants reported an average income of $93,398. 71% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Lafayette, LA (29), Baton Rouge, LA (1) and Houma-Bayou Cane-Thibodaux, 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 | 231 |
| Total Mortgage Loan Application Amount | $36,794,000 |
| Average Mortgage Loan Application Amount | $159,281 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $93,398 |
| Highest Applicant Income | $837,000 |
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Act (HMDA) records Tri-Parish Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 29 | $ 5,602,000 | $ 193,172 | $ 123,000 |
| Baton Rouge, LA | 1 | $ 417,000 | $ 417,000 | $ 567,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 152,000 | $ 152,000 | $ 152,000 |
| Lake Charles, LA | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 270,000 | $ 270,000 | $ 431,000 |
Mortgage Loan Application Detail Totals for Tri-Parish Bank in 2012
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 | 122 | $19,217,000 | $157,000 | $417,000 | $79,000 | $567,000 |
| Refinancing | 93 | $14,767,000 | $158,000 | $415,000 | $101,000 | $620,000 |
| Home Improvement | 16 | $2,810,000 | $175,000 | $615,000 | $159,000 | $837,000 |
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 | 203 | $33,843,000 | $166,000 | $615,000 | $102,000 | $837,000 |
| Not applicable | 14 | $1,271,000 | $90,000 | $266,000 | $0 | $0 |
| Black or African American | 12 | $1,289,000 | $107,000 | $417,000 | $58,000 | $145,000 |
| Asian | 2 | $391,000 | $195,000 | $252,000 | $61,000 | $72,000 |
| 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) | 221 | $35,714,000 | $161,000 | $615,000 | $95,000 | $837,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,080,000 | $108,000 | $179,000 | $49,000 | $86,000 |
| 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 | 163 | $25,629,000 | $157,000 | $615,000 | $99,000 | $837,000 |
| Application Denied By Financial Institution | 47 | $6,881,000 | $146,000 | $415,000 | $67,000 | $240,000 |
| Application Approved But Not Accepted | 14 | $3,114,000 | $222,000 | $417,000 | $104,000 | $209,000 |
| Application Withdrawn By Applicant | 7 | $1,170,000 | $167,000 | $289,000 | $98,000 | $188,000 |
| 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 2012 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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