Vermilion Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Vermilion Bank & Trust Company of Kaplan, LA reported 85 mortgage applications totaling $6.5 million, up 9% from 2018. The average application was for $76,529, and applicants reported an average income of $89,811. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Lafayette, LA (78), Lake Charles, LA (2) and Baton Rouge, LA (1) (applications in parentheses).
| Mortgage Company & Address | Vermilion Bank & Trust Company 420 N Cushing Ave Kaplan, LA 70548 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 85 |
| Total Mortgage Loan Application Amount | $6,505,000 |
| Average Mortgage Loan Application Amount | $76,529 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $89,811 |
| Highest Applicant Income | $360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vermilion Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Vermilion, Louisiana | 69 | $ 4,865,000 | $ 70,507 | $ 86,000 |
| Lafayette, Louisiana | 5 | $ 995,000 | $ 199,000 | $ 40,000 |
| Acadia, Louisiana | 4 | $ 210,000 | $ 52,500 | $ 109,000 |
| Jefferson Davis, Louisiana | 4 | $ 320,000 | $ 80,000 | $ 84,000 |
| Calcasieu, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Cameron, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| East Baton Rouge, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 360,000 |
Mortgage Loan Application Detail Totals for Vermilion Bank & Trust Company in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 48 | $3,110,000 | $64,000 | $285,000 | $81,000 | $286,000 |
| Refinancing | 15 | $1,395,000 | $93,000 | $555,000 | $98,000 | $360,000 |
| Home Purchase | 14 | $1,840,000 | $131,000 | $555,000 | $119,000 | $226,000 |
| Home Improvement | 7 | $155,000 | $22,000 | $45,000 | $84,000 | $250,000 |
| Other Purpose | 1 | $5,000 | $5,000 | $5,000 | $22,000 | $22,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 74 | $5,130,000 | $69,000 | $555,000 | $85,000 | $286,000 |
| Not applicable | 5 | $1,105,000 | $221,000 | $555,000 | $0 | $0 |
| Black or African American | 4 | $130,000 | $32,000 | $65,000 | $80,000 | $116,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $360,000 | $360,000 |
| 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) | 85 | $6,505,000 | $76,000 | $555,000 | $88,000 | $360,000 |
| 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 | 85 | $6,505,000 | $76,000 | $555,000 | $88,000 | $360,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 85 | $6,505,000 | $76,000 | $555,000 | $88,000 | $360,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vermilion Bank & Trust Company's 2019 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 Vermilion Bank & Trust Company'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.
For a list of all lenders in Louisiana, download the full spreadsheet
with aggregated HMDA statistics today.
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