Whitney National Bank Mortgage Lending & HMDA Data, 2006
In 2006, Whitney National Bank of Jefferson, LA reported 5,684 mortgage applications totaling $875.0 million, down 7% from 2005. The average application was for $153,944, and applicants reported an average income of $116,401. 61% of its applications resulted in an originated loan and 18% were denied. Its largest markets were New Orleans-Metairie-Kenner, LA (1,908), Baton Rouge, LA (562) and Mobile, AL (278) (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 | 5,684 |
| Total Mortgage Loan Application Amount | $875,020,000 |
| Average Mortgage Loan Application Amount | $153,944 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $116,401 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Whitney National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New Orleans-Metairie-Kenner, LA | 1,908 | $ 279,272,000 | $ 146,368 | $ 109,000 |
| Baton Rouge, LA | 562 | $ 68,468,000 | $ 121,829 | $ 84,000 |
| Mobile, AL | 278 | $ 31,759,000 | $ 114,241 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 249 | $ 44,846,000 | $ 180,104 | $ 115,000 |
| Houma-Bayou Cane-Thibodaux, LA | 246 | $ 17,747,000 | $ 72,142 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 233 | $ 72,180,000 | $ 309,785 | $ 188,000 |
| Lafayette, LA | 205 | $ 22,771,000 | $ 111,078 | $ 135,000 |
| Lake Charles, LA | 190 | $ 15,498,000 | $ 81,568 | $ 78,000 |
| Gulfport-Biloxi, MS | 177 | $ 15,671,000 | $ 88,536 | $ 76,000 |
| Fort Walton Beach-Crestview-Destin, FL | 136 | $ 47,290,000 | $ 347,720 | $ 360,000 |
| Montgomery, AL | 120 | $ 8,776,000 | $ 73,133 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 68 | $ 14,261,000 | $ 209,720 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 56 | $ 6,511,000 | $ 116,267 | $ 80,000 |
| Panama City-Lynn Haven, FL | 20 | $ 5,909,000 | $ 295,450 | $ 560,000 |
| Pascagoula, MS | 16 | $ 2,916,000 | $ 182,250 | $ 104,000 |
| Austin-Round Rock, TX | 8 | $ 4,299,000 | $ 537,375 | $ 680,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 1,012,000 | $ 144,571 | $ 194,000 |
| Birmingham-Hoover, AL | 7 | $ 1,003,000 | $ 143,285 | $ 141,000 |
| San Antonio, TX | 6 | $ 1,359,000 | $ 226,500 | $ 205,000 |
| Auburn-Opelika, AL | 5 | $ 619,000 | $ 123,800 | $ 448,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,327,000 | $ 331,750 | $ 180,000 |
| Dallas-Plano-Irving, TX | 3 | $ 835,000 | $ 278,333 | $ 197,000 |
| Hattiesburg, MS | 3 | $ 297,000 | $ 99,000 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 2,261,000 | $ 753,666 | $ 414,000 |
| Naples-Marco Island, FL | 3 | $ 2,113,000 | $ 704,333 | $ 539,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 222,000 | $ 111,000 | $ 59,000 |
| Fort Worth-Arlington, TX | 2 | $ 283,000 | $ 141,500 | $ 308,000 |
| Gainesville, FL | 2 | $ 364,000 | $ 182,000 | $ 92,000 |
| Memphis, TN-MS-AR | 2 | $ 415,000 | $ 207,500 | $ 188,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 810,000 | $ 405,000 | $ 439,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 1,275,000 | $ 637,500 | $ 198,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 710,000 | $ 355,000 | $ 79,000 |
| Orlando-Kissimmee, FL | 2 | $ 5,451,000 | $ 2,725,500 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 30,000 | $ 15,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 605,000 | $ 302,500 | $ 184,000 |
| Beaumont-Port Arthur, TX | 1 | $ 206,000 | $ 206,000 | $ 300,000 |
| Colorado Springs, CO | 1 | $ 499,000 | $ 499,000 | $ 903,000 |
| Columbus, GA-AL | 1 | $ 321,000 | $ 321,000 | $ 117,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,600,000 | $ 1,600,000 | $ 765,000 |
| Gadsden, AL | 1 | $ 183,000 | $ 183,000 | $ 35,000 |
| Gary, IN | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Hot Springs, AR | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Jackson, MS | 1 | $ 428,000 | $ 428,000 | $ 696,000 |
| Jacksonville, FL | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Knoxville, TN | 1 | $ 224,000 | $ 224,000 | $ 72,000 |
| Lakeland, FL | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Little Rock-North Little Rock, AR | 1 | $ 263,000 | $ 263,000 | $ 134,000 |
| Monroe, LA | 1 | $ 203,000 | $ 203,000 | $ 140,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 118,000 | $ 118,000 | $ 104,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 268,000 | $ 268,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 1 | $ 117,000 | $ 117,000 | $ 98,000 |
| Tucson, AZ | 1 | $ 40,000 | $ 40,000 | $ 95,000 |
| Valdosta, GA | 1 | $ 50,000 | $ 50,000 | $ 258,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 1,100,000 | $ 1,100,000 | $ 400,000 |
| Yuma, AZ | 1 | $ 185,000 | $ 185,000 | $ 198,000 |
Mortgage Loan Application Detail Totals for Whitney National Bank in 2006
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 | 2,870 | $564,817,000 | $196,000 | $5,100,000 | $137,000 | $9,999,000 |
| Home Improvement | 1,465 | $38,643,000 | $26,000 | $450,000 | $58,000 | $1,500,000 |
| Refinancing | 1,349 | $271,560,000 | $201,000 | $3,600,000 | $136,000 | $9,999,000 |
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 | 4,349 | $737,699,000 | $169,000 | $3,600,000 | $133,000 | $9,999,000 |
| Black or African American | 811 | $60,552,000 | $74,000 | $1,803,000 | $64,000 | $9,999,000 |
| Hispanic | 266 | $29,909,000 | $112,000 | $1,000,000 | $65,000 | $940,000 |
| Not applicable | 100 | $26,436,000 | $264,000 | $5,100,000 | $0 | $0 |
| Asian | 71 | $10,298,000 | $145,000 | $500,000 | $80,000 | $384,000 |
| Not Provided | 63 | $7,272,000 | $115,000 | $1,391,000 | $91,000 | $908,000 |
| American Indian or Alaskan Native | 20 | $2,497,000 | $124,000 | $772,000 | $89,000 | $743,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $357,000 | $89,000 | $147,000 | $47,000 | $64,000 |
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) | 5,174 | $813,363,000 | $157,000 | $5,100,000 | $124,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 438 | $50,771,000 | $115,000 | $246,000 | $41,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 67 | $10,249,000 | $152,000 | $342,000 | $58,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $637,000 | $127,000 | $158,000 | $36,000 | $43,000 |
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 | 3,450 | $578,656,000 | $167,000 | $5,100,000 | $135,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,016 | $60,862,000 | $59,000 | $1,500,000 | $58,000 | $865,000 |
| Application Withdrawn By Applicant | 422 | $106,415,000 | $252,000 | $3,600,000 | $152,000 | $2,741,000 |
| Application Approved But Not Accepted | 352 | $63,117,000 | $179,000 | $3,150,000 | $124,000 | $2,999,000 |
| Preapproval Denied by Financial Institution | 206 | $26,480,000 | $128,000 | $425,000 | $43,000 | $168,000 |
| Preapproval Approved but not Accepted | 152 | $23,594,000 | $155,000 | $500,000 | $61,000 | $342,000 |
| File Closed For Incompleteness | 86 | $15,896,000 | $184,000 | $875,000 | $118,000 | $2,244,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 582 | $30,921,000 | $53,000 | $1,100,000 | $52,000 | $520,000 |
| Debt-To-Income Ratio | 426 | $30,728,000 | $72,000 | $1,150,000 | $46,000 | $479,000 |
| Collateral | 80 | $8,824,000 | $110,000 | $980,000 | $97,000 | $865,000 |
| Other | 61 | $10,644,000 | $174,000 | $1,500,000 | $112,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $4,704,000 | $112,000 | $320,000 | $48,000 | $162,000 |
| Employment History | 22 | $553,000 | $25,000 | $91,000 | $33,000 | $91,000 |
| Credit Application Incomplete | 7 | $622,000 | $88,000 | $200,000 | $88,000 | $384,000 |
| Unverifiable Information | 2 | $346,000 | $173,000 | $203,000 | $77,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Whitney National Bank's 2006 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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