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(HMDA) records Whitney National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 2,635 | $ 457,649,000 | $ 173,680 | $ 110,000 |
| Baton Rouge, LA | 873 | $ 131,346,000 | $ 150,453 | $ 102,000 |
| Houston-Sugar Land-Baytown, TX | 550 | $ 167,593,000 | $ 304,714 | $ 212,000 |
| Mobile, AL | 313 | $ 50,437,000 | $ 161,140 | $ 121,000 |
| Houma-Bayou Cane-Thibodaux, LA | 303 | $ 38,141,000 | $ 125,877 | $ 82,000 |
| Lafayette, LA | 229 | $ 34,678,000 | $ 151,432 | $ 114,000 |
| Pensacola-Ferry Pass-Brent, FL | 176 | $ 28,657,000 | $ 162,823 | $ 101,000 |
| Lake Charles, LA | 166 | $ 19,881,000 | $ 119,765 | $ 146,000 |
| Tampa-St. Petersburg-Clearwater, FL | 159 | $ 33,216,000 | $ 208,905 | $ 126,000 |
| Gulfport-Biloxi, MS | 118 | $ 14,751,000 | $ 125,008 | $ 94,000 |
| Montgomery, AL | 96 | $ 8,206,000 | $ 85,479 | $ 67,000 |
| Bradenton-Sarasota-Venice, FL | 91 | $ 19,991,000 | $ 219,681 | $ 131,000 |
| Fort Walton Beach-Crestview-Destin, FL | 45 | $ 9,625,000 | $ 213,888 | $ 266,000 |
| Pascagoula, MS | 14 | $ 2,694,000 | $ 192,428 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,805,000 | $ 164,090 | $ 314,000 |
| Austin-Round Rock, TX | 8 | $ 1,812,000 | $ 226,500 | $ 136,000 |
| Orlando-Kissimmee, FL | 8 | $ 1,129,000 | $ 141,125 | $ 220,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 4,172,000 | $ 596,000 | $ 474,000 |
| Birmingham-Hoover, AL | 7 | $ 963,000 | $ 137,571 | $ 117,000 |
| Alexandria, LA | 6 | $ 875,000 | $ 145,833 | $ 144,000 |
| San Antonio, TX | 6 | $ 1,859,000 | $ 309,833 | $ 571,000 |
| Dallas-Plano-Irving, TX | 5 | $ 831,000 | $ 166,200 | $ 173,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 5 | $ 1,939,000 | $ 387,800 | $ 216,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 1,260,000 | $ 315,000 | $ 304,000 |
| Memphis, TN-MS-AR | 3 | $ 459,000 | $ 153,000 | $ 109,333 |
| Shreveport-Bossier City, LA | 3 | $ 679,000 | $ 226,333 | $ 106,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 1,064,000 | $ 532,000 | $ 208,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,030,000 | $ 515,000 | $ 989,000 |
| Hattiesburg, MS | 2 | $ 332,000 | $ 166,000 | $ 49,000 |
| Hot Springs, AR | 2 | $ 386,000 | $ 193,000 | $ 94,000 |
| Jackson, MS | 2 | $ 388,000 | $ 194,000 | $ 160,000 |
| Lakeland-Winter Haven, FL | 2 | $ 141,000 | $ 70,500 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Naples-Marco Island, FL | 2 | $ 581,000 | $ 290,500 | $ 565,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,212,000 | $ 606,000 | $ 153,500 |
| Salt Lake City, UT | 2 | $ 854,000 | $ 427,000 | $ 322,000 |
| Tallahassee, FL | 2 | $ 365,000 | $ 182,500 | $ 51,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 176,000 | $ 176,000 | $ 95,000 |
| Baltimore-Towson, MD | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 20,000 | $ 20,000 | $ 79,000 |
| Chattanooga, TN-GA | 1 | $ 328,000 | $ 328,000 | $ 191,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 39,000 | $ 39,000 | $ 22,000 |
| College Station-Bryan, TX | 1 | $ 162,000 | $ 162,000 | $ 1,044,000 |
| Colorado Springs, CO | 1 | $ 400,000 | $ 400,000 | $ 600,000 |
| Corpus Christi, TX | 1 | $ 180,000 | $ 180,000 | $ 188,000 |
| Decatur, AL | 1 | $ 20,000 | $ 20,000 | $ 47,000 |
| Dothan, AL | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Edison-New Brunswick, NJ | 1 | $ 76,000 | $ 76,000 | $ 8,610,000 |
| Fort Collins-Loveland, CO | 1 | $ 238,000 | $ 238,000 | $ 155,000 |
| Fort Worth-Arlington, TX | 1 | $ 123,000 | $ 123,000 | $ 75,000 |
| Fresno, CA | 1 | $ 305,000 | $ 305,000 | $ 400,000 |
| Gainesville, FL | 1 | $ 188,000 | $ 188,000 | $ 121,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 1,450,000 | $ 1,450,000 | $ 0 |
| Jacksonville, FL | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 192,000 | $ 192,000 | $ 112,000 |
| Monroe, LA | 1 | $ 119,000 | $ 119,000 | $ 84,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 405,000 | $ 405,000 | $ 52,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 417,000 | $ 417,000 | $ 420,000 |
| Newark-Union, NJ-PA | 1 | $ 382,000 | $ 382,000 | $ 133,000 |
| Ocala, FL | 1 | $ 300,000 | $ 300,000 | $ 360,000 |
| Ogden-Clearfield, UT | 1 | $ 120,000 | $ 120,000 | $ 212,000 |
| Peoria, IL | 1 | $ 292,000 | $ 292,000 | $ 190,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Port St. Lucie, FL | 1 | $ 95,000 | $ 95,000 | $ 166,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 362,000 | $ 362,000 | $ 110,000 |
| Sherman-Denison, TX | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Tucson, AZ | 1 | $ 160,000 | $ 160,000 | $ 271,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 242,000 | $ 242,000 | $ 65,000 |
| Warner Robins, GA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 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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