Whitney National Bank Mortgage Lending & HMDA Data, 2009

In 2009, Whitney National Bank of Jefferson, LA reported 6,799 mortgage applications totaling $1.2 billion, up 40% from 2008. The average application was for $171,628, and applicants reported an average income of $120,163. 68% of its applications resulted in an originated loan and 15% were denied. Its largest markets were New Orleans-Metairie-Kenner, LA (2,635), Baton Rouge, LA (873) and Houston-Sugar Land-Baytown, TX (550) (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 6,799
Total Mortgage Loan Application Amount $1,166,901,000
Average Mortgage Loan Application Amount $171,628
Highest Mortgage Loan Application Amount $2,823,000
Average Applicant Income $120,163
Highest Applicant Income $8,610,000

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(HMDA) records Whitney National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
St. Tammany, Louisiana 866 $ 155,703,000 $ 179,795 $ 106,000
Jefferson, Louisiana 810 $ 132,280,000 $ 163,308 $ 102,000
Orleans, Louisiana 745 $ 139,799,000 $ 187,649 $ 134,000
East Baton Rouge, Louisiana 411 $ 66,732,000 $ 162,364 $ 126,000
Harris, Texas 376 $ 121,155,000 $ 322,220 $ 216,000
Mobile, Alabama 313 $ 50,437,000 $ 161,140 $ 121,000
Ascension, Louisiana 298 $ 43,553,000 $ 146,151 $ 82,000
Tangipahoa, Louisiana 237 $ 34,287,000 $ 144,670 $ 77,000
Lafayette, Louisiana 215 $ 33,450,000 $ 155,581 $ 115,000
Terrebonne, Louisiana 166 $ 19,381,000 $ 116,753 $ 85,000
Calcasieu, Louisiana 162 $ 19,187,000 $ 118,438 $ 144,000
Lafourche, Louisiana 137 $ 18,760,000 $ 136,934 $ 77,000
Escambia, Florida 127 $ 19,678,000 $ 154,944 $ 95,000
St. Mary, Louisiana 121 $ 7,127,000 $ 58,900 $ 58,000
Pinellas, Florida 119 $ 21,524,000 $ 180,873 $ 115,000
Livingston, Louisiana 118 $ 14,374,000 $ 121,813 $ 69,000
Baldwin, Alabama 113 $ 29,855,000 $ 264,203 $ 220,000
Washington, Louisiana 83 $ 4,879,000 $ 58,783 $ 46,000
St. Charles, Louisiana 82 $ 15,020,000 $ 183,170 $ 74,000
Butler, Alabama 81 $ 1,779,000 $ 21,962 $ 31,000
Fort Bend, Texas 76 $ 22,083,000 $ 290,565 $ 230,000
Harrison, Mississippi 72 $ 9,382,000 $ 130,305 $ 116,000
Manatee, Florida 70 $ 14,126,000 $ 201,800 $ 99,000
St. Bernard, Louisiana 65 $ 7,151,000 $ 110,015 $ 51,000
Walton, Florida 58 $ 16,291,000 $ 280,879 $ 203,000
Autauga, Alabama 49 $ 2,629,000 $ 53,653 $ 43,000
Santa Rosa, Florida 49 $ 8,979,000 $ 183,244 $ 117,000
Okaloosa, Florida 45 $ 9,625,000 $ 213,888 $ 266,000
Hancock, Mississippi 45 $ 5,201,000 $ 115,577 $ 59,000
Montgomery, Texas 41 $ 13,857,000 $ 337,975 $ 262,000
Plaquemines, Louisiana 39 $ 4,103,000 $ 105,205 $ 115,000
Brazoria, Texas 31 $ 5,653,000 $ 182,354 $ 81,000
Hillsborough, Florida 29 $ 10,301,000 $ 355,206 $ 179,000
St. John the Baptist, Louisiana 28 $ 3,593,000 $ 128,321 $ 83,000
St. James, Louisiana 27 $ 2,216,000 $ 82,074 $ 66,000
Montgomery, Alabama 23 $ 3,002,000 $ 130,521 $ 102,000
Assumption, Louisiana 22 $ 2,067,000 $ 93,954 $ 62,000
Sarasota, Florida 21 $ 5,865,000 $ 279,285 $ 237,000
Iberia, Louisiana 21 $ 1,401,000 $ 66,714 $ 53,000
Pearl River, Mississippi 21 $ 3,263,000 $ 155,380 $ 150,000
Elmore, Alabama 18 $ 2,169,000 $ 120,500 $ 91,000
Galveston, Texas 18 $ 3,380,000 $ 187,777 $ 219,000
St. Landry, Louisiana 16 $ 1,311,000 $ 81,937 $ 70,000
Iberville, Louisiana 14 $ 1,748,000 $ 124,857 $ 62,000
St. Martin, Louisiana 14 $ 1,228,000 $ 87,714 $ 105,000
Jackson, Mississippi 14 $ 2,694,000 $ 192,428 $ 115,000
West Baton Rouge, Louisiana 13 $ 1,891,000 $ 145,461 $ 67,000
Lee, Florida 11 $ 1,805,000 $ 164,090 $ 314,000
Pasco, Florida 11 $ 1,391,000 $ 126,454 $ 104,000
Vermilion, Louisiana 10 $ 560,000 $ 56,000 $ 68,000
Fayette, Texas 8 $ 2,185,000 $ 273,125 $ 458,000
East Feliciana, Louisiana 7 $ 909,000 $ 129,857 $ 81,000
Travis, Texas 7 $ 1,711,000 $ 244,428 $ 149,000
Lowndes, Alabama 6 $ 406,000 $ 67,666 $ 59,000
Beauregard, Louisiana 6 $ 268,000 $ 44,666 $ 46,000
West Feliciana, Louisiana 6 $ 1,212,000 $ 202,000 $ 356,000
Crenshaw, Alabama 5 $ 105,000 $ 21,000 $ 21,000
Bay, Florida 5 $ 1,939,000 $ 387,800 $ 216,000
Rapides, Louisiana 5 $ 725,000 $ 145,000 $ 160,000
Walthall, Mississippi 5 $ 349,000 $ 69,800 $ 47,000
Jefferson, Alabama 4 $ 615,000 $ 153,750 $ 127,000
Osceola, Florida 4 $ 655,000 $ 163,750 $ 99,000
Acadia, Louisiana 4 $ 375,000 $ 93,750 $ 74,000
Cameron, Louisiana 4 $ 694,000 $ 173,500 $ 234,000
Mecklenburg, North Carolina 4 $ 1,260,000 $ 315,000 $ 304,000
Guadalupe, Texas 4 $ 1,407,000 $ 351,750 $ 812,000
Wilcox, Alabama 3 $ 55,000 $ 18,333 $ 61,000
Evangeline, Louisiana 3 $ 160,000 $ 53,333 $ 43,000
Jefferson Davis, Louisiana 3 $ 188,000 $ 62,666 $ 45,000
Pointe Coupee, Louisiana 3 $ 646,000 $ 215,333 $ 198,000
St. Helena, Louisiana 3 $ 281,000 $ 93,666 $ 69,000
Austin, Texas 3 $ 638,000 $ 212,666 $ 77,000
Dallas, Texas 3 $ 499,000 $ 166,333 $ 227,000
Matagorda, Texas 3 $ 383,000 $ 127,666 $ 412,000
Chilton, Alabama 2 $ 123,000 $ 61,500 $ 69,000
Conecuh, Alabama 2 $ 210,000 $ 105,000 $ 327,000
Tallapoosa, Alabama 2 $ 364,000 $ 182,000 $ 58,000
Garland, Arkansas 2 $ 386,000 $ 193,000 $ 94,000
Broward, Florida 2 $ 1,030,000 $ 515,000 $ 989,000
Collier, Florida 2 $ 581,000 $ 290,500 $ 565,000
Lake, Florida 2 $ 141,000 $ 70,500 $ 87,000
Leon, Florida 2 $ 365,000 $ 182,500 $ 51,000
Miami-Dade, Florida 2 $ 380,000 $ 190,000 $ 86,000
Polk, Florida 2 $ 141,000 $ 70,500 $ 46,000
DeKalb, Georgia 2 $ 505,000 $ 252,500 $ 100,000
Fulton, Georgia 2 $ 3,138,000 $ 1,569,000 $ 1,403,000
Lamar, Mississippi 2 $ 332,000 $ 166,000 $ 49,000
Marion, Mississippi 2 $ 216,000 $ 108,000 $ 28,000
Shelby, Tennessee 2 $ 269,000 $ 134,500 $ 164,000
Collin, Texas 2 $ 332,000 $ 166,000 $ 92,000
Colorado, Texas 2 $ 973,000 $ 486,500 $ 49,000
San Jacinto, Texas 2 $ 368,000 $ 184,000 $ 128,000
Waller, Texas 2 $ 281,000 $ 140,500 $ 41,000
Summit, Utah 2 $ 854,000 $ 427,000 $ 322,000
Cullman, Alabama 1 $ 200,000 $ 200,000 $ 78,000
Houston, Alabama 1 $ 417,000 $ 417,000 $ 210,000
Lawrence, Alabama 1 $ 20,000 $ 20,000 $ 47,000
Shelby, Alabama 1 $ 225,000 $ 225,000 $ 173,000
Washington, Alabama 1 $ 150,000 $ 150,000 $ 51,000
Maricopa, Arizona 1 $ 120,000 $ 120,000 $ 51,000
Pima, Arizona 1 $ 160,000 $ 160,000 $ 271,000
Pulaski, Arkansas 1 $ 192,000 $ 192,000 $ 112,000
Fresno, California 1 $ 305,000 $ 305,000 $ 400,000
Arapahoe, Colorado 1 $ 826,000 $ 826,000 $ 351,000
Archuleta, Colorado 1 $ 417,000 $ 417,000 $ 120,000
Douglas, Colorado 1 $ 238,000 $ 238,000 $ 66,000
Eagle, Colorado 1 $ 300,000 $ 300,000 $ 82,000
El Paso, Colorado 1 $ 400,000 $ 400,000 $ 600,000
Larimer, Colorado 1 $ 238,000 $ 238,000 $ 155,000
Las Animas, Colorado 1 $ 300,000 $ 300,000 $ 0
DeSoto, Florida 1 $ 93,000 $ 93,000 $ 49,000
Duval, Florida 1 $ 29,000 $ 29,000 $ 0
Gilchrist, Florida 1 $ 188,000 $ 188,000 $ 121,000
Marion, Florida 1 $ 300,000 $ 300,000 $ 360,000
Orange, Florida 1 $ 140,000 $ 140,000 $ 892,000
Seminole, Florida 1 $ 193,000 $ 193,000 $ 305,000
St. Lucie, Florida 1 $ 95,000 $ 95,000 $ 166,000
Columbia, Georgia 1 $ 176,000 $ 176,000 $ 95,000
Douglas, Georgia 1 $ 192,000 $ 192,000 $ 51,000
Gwinnett, Georgia 1 $ 207,000 $ 207,000 $ 216,000
Henry, Georgia 1 $ 130,000 $ 130,000 $ 51,000
Houston, Georgia 1 $ 220,000 $ 220,000 $ 0
Putnam, Georgia 1 $ 375,000 $ 375,000 $ 188,000
Tazewell, Illinois 1 $ 292,000 $ 292,000 $ 190,000
Bossier, Louisiana 1 $ 158,000 $ 158,000 $ 106,000
Caddo, Louisiana 1 $ 374,000 $ 374,000 $ 150,000
Concordia, Louisiana 1 $ 335,000 $ 335,000 $ 0
De Soto, Louisiana 1 $ 147,000 $ 147,000 $ 62,000
Grant, Louisiana 1 $ 150,000 $ 150,000 $ 63,000
Jackson, Louisiana 1 $ 204,000 $ 204,000 $ 58,000
Lincoln, Louisiana 1 $ 479,000 $ 479,000 $ 0
Ouachita, Louisiana 1 $ 119,000 $ 119,000 $ 84,000
Baltimore, Maryland 1 $ 340,000 $ 340,000 $ 0
Adams, Mississippi 1 $ 269,000 $ 269,000 $ 160,000
Coahoma, Mississippi 1 $ 56,000 $ 56,000 $ 37,000
Franklin, Mississippi 1 $ 43,000 $ 43,000 $ 80,000
Jasper, Mississippi 1 $ 64,000 $ 64,000 $ 45,000
Lafayette, Mississippi 1 $ 334,000 $ 334,000 $ 614,000
Lawrence, Mississippi 1 $ 121,000 $ 121,000 $ 61,000
Madison, Mississippi 1 $ 204,000 $ 204,000 $ 177,000
Marshall, Mississippi 1 $ 190,000 $ 190,000 $ 0
Pike, Mississippi 1 $ 150,000 $ 150,000 $ 0
Rankin, Mississippi 1 $ 184,000 $ 184,000 $ 144,000
Stone, Mississippi 1 $ 168,000 $ 168,000 $ 123,000
Bergen, New Jersey 1 $ 492,000 $ 492,000 $ 144,000
Essex, New Jersey 1 $ 382,000 $ 382,000 $ 133,000
Monmouth, New Jersey 1 $ 76,000 $ 76,000 $ 8,610,000
New York, New York 1 $ 720,000 $ 720,000 $ 163,000
Macon, North Carolina 1 $ 240,000 $ 240,000 $ 87,000
Yancey, North Carolina 1 $ 205,000 $ 205,000 $ 75,000
Cuyahoga, Ohio 1 $ 39,000 $ 39,000 $ 22,000
Bristol, Rhode Island 1 $ 362,000 $ 362,000 $ 110,000
Beaufort, South Carolina 1 $ 101,000 $ 101,000 $ 103,000
Greenville, South Carolina 1 $ 1,450,000 $ 1,450,000 $ 0
Horry, South Carolina 1 $ 405,000 $ 405,000 $ 52,000
Davidson, Tennessee 1 $ 417,000 $ 417,000 $ 420,000
Hamilton, Tennessee 1 $ 328,000 $ 328,000 $ 191,000
Brazos, Texas 1 $ 162,000 $ 162,000 $ 1,044,000
Comal, Texas 1 $ 282,000 $ 282,000 $ 119,000
Grayson, Texas 1 $ 213,000 $ 213,000 $ 0
Jefferson, Texas 1 $ 20,000 $ 20,000 $ 79,000
Kerr, Texas 1 $ 548,000 $ 548,000 $ 701,000
Liberty, Texas 1 $ 178,000 $ 178,000 $ 108,000
Medina, Texas 1 $ 170,000 $ 170,000 $ 59,000
Nueces, Texas 1 $ 180,000 $ 180,000 $ 188,000
Polk, Texas 1 $ 10,000 $ 10,000 $ 0
Tarrant, Texas 1 $ 123,000 $ 123,000 $ 75,000
Wharton, Texas 1 $ 80,000 $ 80,000 $ 25,000
Williamson, Texas 1 $ 101,000 $ 101,000 $ 42,000
Wasatch, Utah 1 $ 464,000 $ 464,000 $ 408,000
Weber, Utah 1 $ 120,000 $ 120,000 $ 212,000
Chesapeake, Virginia 1 $ 242,000 $ 242,000 $ 65,000
Jefferson, West Virginia 1 $ 417,000 $ 417,000 $ 204,000

Mortgage Loan Application Detail Totals for Whitney National Bank in 2009

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 3,133 $676,422,000 $215,000 $2,823,000 $140,000 $8,610,000
Home Purchase 2,302 $458,385,000 $199,000 $2,560,000 $130,000 $3,080,000
Home Improvement 1,364 $32,094,000 $23,000 $500,000 $58,000 $1,800,000

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 5,334 $984,194,000 $184,000 $2,823,000 $132,000 $8,610,000
Black or African American 778 $60,090,000 $77,000 $713,000 $53,000 $1,427,000
Hispanic 254 $38,840,000 $152,000 $1,954,000 $99,000 $2,776,000
Not Provided 222 $37,480,000 $168,000 $2,368,000 $129,000 $1,962,000
Not applicable 98 $20,610,000 $210,000 $1,600,000 $0 $0
Asian 93 $23,221,000 $249,000 $2,560,000 $174,000 $1,297,000
American Indian or Alaskan Native 13 $1,333,000 $102,000 $375,000 $87,000 $281,000
Native Hawaiian or Other Pacific Islander 7 $1,133,000 $161,000 $396,000 $107,000 $400,000

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) 5,815 $1,016,493,000 $174,000 $2,823,000 $130,000 $8,610,000
FHA-insured (Federal Housing Administration) 755 $112,293,000 $148,000 $339,000 $61,000 $719,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 132 $19,020,000 $144,000 $260,000 $47,000 $86,000
VA-guaranteed (Veterans Administration) 97 $19,095,000 $196,000 $424,000 $66,000 $176,000

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 4,618 $837,541,000 $181,000 $2,823,000 $128,000 $5,839,000
Application Denied By Financial Institution 1,046 $81,891,000 $78,000 $1,337,000 $67,000 $4,847,000
Application Withdrawn By Applicant 673 $158,394,000 $235,000 $2,560,000 $136,000 $8,610,000
Application Approved But Not Accepted 320 $53,580,000 $167,000 $1,650,000 $142,000 $1,800,000
File Closed For Incompleteness 142 $35,495,000 $249,000 $1,775,000 $131,000 $2,400,000
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 433 $37,507,000 $86,000 $1,337,000 $51,000 $533,000
Credit History 423 $17,317,000 $40,000 $1,050,000 $55,000 $623,000
Other 72 $12,423,000 $172,000 $830,000 $117,000 $1,019,000
Collateral 65 $8,140,000 $125,000 $400,000 $198,000 $4,847,000
Insufficient Cash (Downpayment, Closing Cost) 32 $4,661,000 $145,000 $549,000 $64,000 $480,000
Employment History 14 $742,000 $53,000 $165,000 $50,000 $173,000
Credit Application Incomplete 6 $736,000 $122,000 $425,000 $58,000 $128,000
Unverifiable Information 1 $365,000 $365,000 $365,000 $28,000 $28,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Whitney National Bank's 2009 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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