Whitney National Bank Mortgage Lending & HMDA Data, 2010

In 2010, Whitney National Bank of Jefferson, LA reported 6,458 mortgage applications totaling $1.1 billion, down 5% from 2009. The average application was for $172,027, and applicants reported an average income of $121,641. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New Orleans-Metairie-Kenner, LA (2,681), Baton Rouge, LA (789) and Houston-Sugar Land-Baytown, TX (470) (applications in parentheses).

Mortgage Company & Address Whitney National Bank
400 Labarre Road, 3rd Floor
Jefferson, LA 70121
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,458
Total Mortgage Loan Application Amount $1,110,954,000
Average Mortgage Loan Application Amount $172,027
Highest Mortgage Loan Application Amount $3,360,000
Average Applicant Income $121,641
Highest Applicant Income $6,207,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Whitney National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Whitney National Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Louisiana 896 $ 143,725,000 $ 160,407 $ 110,000
St. Tammany, Louisiana 815 $ 143,424,000 $ 175,980 $ 110,000
Orleans, Louisiana 739 $ 149,298,000 $ 202,027 $ 138,000
Harris, Texas 347 $ 100,513,000 $ 289,662 $ 235,000
East Baton Rouge, Louisiana 345 $ 59,461,000 $ 172,350 $ 126,000
Ascension, Louisiana 296 $ 42,219,000 $ 142,631 $ 87,000
Mobile, Alabama 216 $ 33,741,000 $ 156,208 $ 116,000
Lafayette, Louisiana 193 $ 30,638,000 $ 158,746 $ 99,000
Tangipahoa, Louisiana 181 $ 26,606,000 $ 146,994 $ 82,000
Calcasieu, Louisiana 178 $ 18,177,000 $ 102,117 $ 92,000
Terrebonne, Louisiana 173 $ 20,683,000 $ 119,554 $ 105,000
Pinellas, Florida 164 $ 25,840,000 $ 157,560 $ 105,000
Manatee, Florida 162 $ 37,906,000 $ 233,987 $ 126,000
Lafourche, Louisiana 119 $ 14,735,000 $ 123,823 $ 72,000
St. Charles, Louisiana 117 $ 18,014,000 $ 153,965 $ 77,000
Livingston, Louisiana 113 $ 14,951,000 $ 132,309 $ 80,000
Escambia, Florida 106 $ 15,543,000 $ 146,632 $ 122,000
St. Mary, Louisiana 105 $ 7,198,000 $ 68,552 $ 65,000
Washington, Louisiana 88 $ 4,654,000 $ 52,886 $ 56,000
Baldwin, Alabama 73 $ 17,950,000 $ 245,890 $ 158,000
Harrison, Mississippi 63 $ 4,839,000 $ 76,809 $ 107,000
Fort Bend, Texas 62 $ 18,797,000 $ 303,177 $ 198,000
Butler, Alabama 54 $ 1,307,000 $ 24,203 $ 46,000
Hancock, Mississippi 52 $ 2,731,000 $ 52,519 $ 50,000
Walton, Florida 50 $ 18,970,000 $ 379,400 $ 345,000
Plaquemines, Louisiana 42 $ 5,705,000 $ 135,833 $ 82,000
St. Bernard, Louisiana 41 $ 3,623,000 $ 88,365 $ 50,000
Sarasota, Florida 39 $ 15,284,000 $ 391,897 $ 270,000
Autauga, Alabama 38 $ 2,013,000 $ 52,973 $ 39,000
Okaloosa, Florida 38 $ 8,929,000 $ 234,973 $ 91,000
Santa Rosa, Florida 36 $ 5,438,000 $ 151,055 $ 101,000
St. John the Baptist, Louisiana 31 $ 4,352,000 $ 140,387 $ 82,000
Montgomery, Texas 31 $ 12,911,000 $ 416,483 $ 419,000
St. James, Louisiana 29 $ 1,243,000 $ 42,862 $ 52,000
Assumption, Louisiana 25 $ 1,141,000 $ 45,640 $ 51,000
Montgomery, Alabama 22 $ 3,641,000 $ 165,500 $ 131,000
Pasco, Florida 19 $ 1,822,000 $ 95,894 $ 70,000
Iberia, Louisiana 17 $ 930,000 $ 54,705 $ 55,000
St. Martin, Louisiana 17 $ 1,546,000 $ 90,941 $ 76,000
Galveston, Texas 15 $ 5,049,000 $ 336,600 $ 354,000
Hillsborough, Florida 14 $ 7,220,000 $ 515,714 $ 263,000
St. Landry, Louisiana 14 $ 1,239,000 $ 88,500 $ 85,000
West Baton Rouge, Louisiana 14 $ 2,112,000 $ 150,857 $ 87,000
Pearl River, Mississippi 11 $ 1,379,000 $ 125,363 $ 167,000
Brazoria, Texas 11 $ 2,299,000 $ 209,000 $ 185,000
Iberville, Louisiana 9 $ 950,000 $ 105,555 $ 60,000
Acadia, Louisiana 8 $ 682,000 $ 85,250 $ 61,000
Travis, Texas 8 $ 3,766,000 $ 470,750 $ 504,000
Elmore, Alabama 7 $ 604,000 $ 86,285 $ 61,000
Vermilion, Louisiana 7 $ 637,000 $ 91,000 $ 76,000
Bay, Florida 6 $ 1,684,000 $ 280,666 $ 138,000
Brazos, Texas 6 $ 1,448,000 $ 241,333 $ 77,000
Crenshaw, Alabama 5 $ 91,000 $ 18,200 $ 60,000
Lee, Florida 5 $ 1,055,000 $ 211,000 $ 178,000
East Feliciana, Louisiana 5 $ 797,000 $ 159,400 $ 144,000
Jackson, Mississippi 5 $ 769,000 $ 153,800 $ 211,000
Dallas, Texas 5 $ 348,000 $ 69,600 $ 80,000
Tarrant, Texas 5 $ 817,000 $ 163,400 $ 119,000
Lowndes, Alabama 4 $ 217,000 $ 54,250 $ 34,000
Polk, Florida 4 $ 1,292,000 $ 323,000 $ 144,000
Fulton, Georgia 4 $ 1,017,000 $ 254,250 $ 169,000
Cameron, Louisiana 4 $ 392,000 $ 98,000 $ 196,000
St. Helena, Louisiana 4 $ 651,000 $ 162,750 $ 320,000
Lee, Alabama 3 $ 267,000 $ 89,000 $ 293,000
Shelby, Alabama 3 $ 465,000 $ 155,000 $ 71,000
Rapides, Louisiana 3 $ 463,000 $ 154,333 $ 167,000
Covington, Mississippi 3 $ 97,000 $ 32,333 $ 22,000
Stone, Mississippi 3 $ 118,000 $ 39,333 $ 42,000
Bergen, New Jersey 3 $ 1,412,000 $ 470,666 $ 335,000
Collin, Texas 3 $ 1,361,000 $ 453,666 $ 207,000
Chilton, Alabama 2 $ 67,000 $ 33,500 $ 54,000
Covington, Alabama 2 $ 24,000 $ 12,000 $ 27,000
Tuscaloosa, Alabama 2 $ 412,000 $ 206,000 $ 214,000
Wilcox, Alabama 2 $ 8,000 $ 4,000 $ 10,000
Pima, Arizona 2 $ 364,000 $ 182,000 $ 223,000
San Diego, California 2 $ 836,000 $ 418,000 $ 867,000
El Paso, Colorado 2 $ 463,000 $ 231,500 $ 114,000
Collier, Florida 2 $ 1,120,000 $ 560,000 $ 432,000
Monroe, Florida 2 $ 783,000 $ 391,500 $ 489,000
Orange, Florida 2 $ 2,061,000 $ 1,030,500 $ 43,000
Beauregard, Louisiana 2 $ 45,000 $ 22,500 $ 82,000
Bossier, Louisiana 2 $ 224,000 $ 112,000 $ 59,000
Caddo, Louisiana 2 $ 380,000 $ 190,000 $ 50,000
Jefferson Davis, Louisiana 2 $ 446,000 $ 223,000 $ 84,000
West Feliciana, Louisiana 2 $ 555,000 $ 277,500 $ 123,000
Hinds, Mississippi 2 $ 117,000 $ 58,500 $ 117,000
Jones, Mississippi 2 $ 61,000 $ 30,500 $ 0
Lamar, Mississippi 2 $ 337,000 $ 168,500 $ 92,000
Rankin, Mississippi 2 $ 190,000 $ 95,000 $ 0
Walthall, Mississippi 2 $ 226,000 $ 113,000 $ 99,000
Clark, Nevada 2 $ 6,000 $ 3,000 $ 40,000
New York, New York 2 $ 2,200,000 $ 1,100,000 $ 223,000
Jackson, North Carolina 2 $ 204,000 $ 102,000 $ 111,000
Davidson, Tennessee 2 $ 834,000 $ 417,000 $ 293,000
Comal, Texas 2 $ 505,000 $ 252,500 $ 201,000
Polk, Texas 2 $ 632,000 $ 316,000 $ 206,000
Clarke, Alabama 1 $ 66,000 $ 66,000 $ 30,000
Coffee, Alabama 1 $ 121,000 $ 121,000 $ 240,000
Conecuh, Alabama 1 $ 5,000 $ 5,000 $ 62,000
Dallas, Alabama 1 $ 35,000 $ 35,000 $ 0
Escambia, Alabama 1 $ 10,000 $ 10,000 $ 29,000
Jefferson, Alabama 1 $ 136,000 $ 136,000 $ 123,000
Madison, Alabama 1 $ 208,000 $ 208,000 $ 78,000
Monroe, Alabama 1 $ 184,000 $ 184,000 $ 86,000
Perry, Alabama 1 $ 4,000 $ 4,000 $ 26,000
Washington, Alabama 1 $ 90,000 $ 90,000 $ 34,000
Benton, Arkansas 1 $ 98,000 $ 98,000 $ 29,000
Montgomery, Arkansas 1 $ 20,000 $ 20,000 $ 17,000
Riverside, California 1 $ 249,000 $ 249,000 $ 3,527,000
Arapahoe, Colorado 1 $ 785,000 $ 785,000 $ 1,143,000
San Miguel, Colorado 1 $ 651,000 $ 651,000 $ 449,000
Brevard, Florida 1 $ 288,000 $ 288,000 $ 103,000
Charlotte, Florida 1 $ 82,000 $ 82,000 $ 55,000
Hernando, Florida 1 $ 139,000 $ 139,000 $ 46,000
Holmes, Florida 1 $ 91,000 $ 91,000 $ 181,000
Seminole, Florida 1 $ 417,000 $ 417,000 $ 234,000
Catoosa, Georgia 1 $ 130,000 $ 130,000 $ 52,000
Columbia, Georgia 1 $ 251,000 $ 251,000 $ 167,000
DeKalb, Georgia 1 $ 10,000 $ 10,000 $ 0
Fannin, Georgia 1 $ 112,000 $ 112,000 $ 117,000
White, Georgia 1 $ 161,000 $ 161,000 $ 112,000
Cook, Illinois 1 $ 1,102,000 $ 1,102,000 $ 288,000
Avoyelles, Louisiana 1 $ 120,000 $ 120,000 $ 79,000
Evangeline, Louisiana 1 $ 138,000 $ 138,000 $ 144,000
Jackson, Louisiana 1 $ 5,000 $ 5,000 $ 0
Pointe Coupee, Louisiana 1 $ 310,000 $ 310,000 $ 148,000
Sabine, Louisiana 1 $ 84,000 $ 84,000 $ 127,000
Winn, Louisiana 1 $ 10,000 $ 10,000 $ 42,000
Plymouth, Massachusetts 1 $ 1,300,000 $ 1,300,000 $ 1,737,000
Suffolk, Massachusetts 1 $ 320,000 $ 320,000 $ 180,000
Adams, Mississippi 1 $ 113,000 $ 113,000 $ 342,000
Amite, Mississippi 1 $ 130,000 $ 130,000 $ 65,000
Forrest, Mississippi 1 $ 15,000 $ 15,000 $ 52,000
Lauderdale, Mississippi 1 $ 20,000 $ 20,000 $ 106,000
Lee, Mississippi 1 $ 10,000 $ 10,000 $ 121,000
Lincoln, Mississippi 1 $ 258,000 $ 258,000 $ 72,000
Pike, Mississippi 1 $ 942,000 $ 942,000 $ 300,000
Carbon, Montana 1 $ 271,000 $ 271,000 $ 75,000
Camden, North Carolina 1 $ 200,000 $ 200,000 $ 89,000
Macon, North Carolina 1 $ 417,000 $ 417,000 $ 423,000
Montgomery, Ohio 1 $ 62,000 $ 62,000 $ 21,000
York, Pennsylvania 1 $ 24,000 $ 24,000 $ 57,000
Providence, Rhode Island 1 $ 20,000 $ 20,000 $ 84,000
Dorchester, South Carolina 1 $ 225,000 $ 225,000 $ 132,000
Oconee, South Carolina 1 $ 417,000 $ 417,000 $ 395,000
Lincoln, Tennessee 1 $ 173,000 $ 173,000 $ 65,000
Williamson, Tennessee 1 $ 580,000 $ 580,000 $ 205,000
Austin, Texas 1 $ 184,000 $ 184,000 $ 106,000
Bexar, Texas 1 $ 175,000 $ 175,000 $ 133,000
Burnet, Texas 1 $ 640,000 $ 640,000 $ 283,000
Cameron, Texas 1 $ 73,000 $ 73,000 $ 126,000
El Paso, Texas 1 $ 182,000 $ 182,000 $ 58,000
Fayette, Texas 1 $ 570,000 $ 570,000 $ 725,000
Grimes, Texas 1 $ 417,000 $ 417,000 $ 300,000
Harrison, Texas 1 $ 156,000 $ 156,000 $ 81,000
Kendall, Texas 1 $ 207,000 $ 207,000 $ 90,000
Liberty, Texas 1 $ 148,000 $ 148,000 $ 48,000
Matagorda, Texas 1 $ 200,000 $ 200,000 $ 327,000
Midland, Texas 1 $ 244,000 $ 244,000 $ 110,000
Montague, Texas 1 $ 15,000 $ 15,000 $ 36,000
San Jacinto, Texas 1 $ 360,000 $ 360,000 $ 150,000
Smith, Texas 1 $ 118,000 $ 118,000 $ 48,000
Trinity, Texas 1 $ 373,000 $ 373,000 $ 145,000
Waller, Texas 1 $ 223,000 $ 223,000 $ 81,000
Washington, Texas 1 $ 337,000 $ 337,000 $ 157,000
Wharton, Texas 1 $ 135,000 $ 135,000 $ 91,000
Windham, Vermont 1 $ 140,000 $ 140,000 $ 277,000
Cowlitz, Washington 1 $ 147,000 $ 147,000 $ 1,162,000

Mortgage Loan Application Detail Totals for Whitney National 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
Refinancing 2,772 $549,968,000 $198,000 $2,150,000 $143,000 $6,207,000
Home Purchase 2,395 $529,466,000 $221,000 $3,360,000 $135,000 $3,834,000
Home Improvement 1,291 $31,520,000 $24,000 $668,000 $51,000 $918,000

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 5,131 $937,302,000 $182,000 $3,360,000 $131,000 $4,563,000
Black or African American 670 $50,533,000 $75,000 $850,000 $49,000 $700,000
Not Provided 225 $38,005,000 $168,000 $1,950,000 $121,000 $1,325,000
Hispanic 217 $38,314,000 $176,000 $1,102,000 $138,000 $6,207,000
Not applicable 103 $19,545,000 $189,000 $2,040,000 $0 $0
Asian 95 $25,289,000 $266,000 $1,297,000 $204,000 $1,701,000
American Indian or Alaskan Native 12 $1,415,000 $117,000 $300,000 $123,000 $625,000
Native Hawaiian or Other Pacific Islander 5 $551,000 $110,000 $180,000 $60,000 $159,000

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) 5,705 $989,962,000 $173,000 $3,360,000 $129,000 $6,207,000
FHA-insured (Federal Housing Administration) 568 $90,524,000 $159,000 $352,000 $65,000 $700,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 113 $16,040,000 $141,000 $235,000 $45,000 $76,000
VA-guaranteed (Veterans Administration) 72 $14,428,000 $200,000 $417,000 $75,000 $262,000

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 4,524 $816,557,000 $180,000 $2,040,000 $133,000 $6,207,000
Application Denied By Financial Institution 915 $75,711,000 $82,000 $2,000,000 $65,000 $828,000
Application Withdrawn By Applicant 645 $151,046,000 $234,000 $2,150,000 $123,000 $1,940,000
Application Approved But Not Accepted 303 $52,348,000 $172,000 $3,360,000 $117,000 $1,097,000
File Closed For Incompleteness 71 $15,292,000 $215,000 $942,000 $122,000 $1,150,000
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

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 382 $33,121,000 $86,000 $2,000,000 $51,000 $550,000
Credit History 342 $11,858,000 $34,000 $500,000 $57,000 $720,000
Collateral 85 $11,373,000 $133,000 $1,000,000 $114,000 $828,000
Other 76 $14,205,000 $186,000 $1,297,000 $110,000 $540,000
Insufficient Cash (Downpayment, Closing Cost) 15 $3,811,000 $254,000 $1,295,000 $103,000 $489,000
Credit Application Incomplete 8 $546,000 $68,000 $242,000 $45,000 $103,000
Employment History 6 $676,000 $112,000 $328,000 $48,000 $112,000
Unverifiable Information 1 $121,000 $121,000 $121,000 $240,000 $240,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Whitney National 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 Whitney National 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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