Winnsboro State Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Winnsboro State Bank & Trust Company of Winnsboro, LA reported 247 mortgage applications totaling $44.3 million. The average application was for $179,534, and applicants reported an average income of $147,506. 94% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Monroe, LA (75), Shreveport-Bossier City, LA (5) and Baton Rouge, LA (3) (applications in parentheses).
| Mortgage Company & Address | Winnsboro State Bank & Trust Company 3875 Front St Winnsboro, LA 71295 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 247 |
| Total Mortgage Loan Application Amount | $44,345,000 |
| Average Mortgage Loan Application Amount | $179,534 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $147,506 |
| Highest Applicant Income | $2,007,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Winnsboro State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Franklin, Louisiana | 112 | $ 8,540,000 | $ 76,250 | $ 84,000 |
| Richland, Louisiana | 44 | $ 4,590,000 | $ 104,318 | $ 120,000 |
| Ouachita, Louisiana | 28 | $ 10,770,000 | $ 384,642 | $ 242,000 |
| Catahoula, Louisiana | 12 | $ 640,000 | $ 53,333 | $ 82,000 |
| Lincoln, Louisiana | 10 | $ 5,060,000 | $ 506,000 | $ 138,000 |
| Tensas, Louisiana | 7 | $ 565,000 | $ 80,714 | $ 223,000 |
| Caddo, Louisiana | 4 | $ 5,020,000 | $ 1,255,000 | $ 389,000 |
| Caldwell, Louisiana | 4 | $ 930,000 | $ 232,500 | $ 0 |
| Barber, Kansas | 3 | $ 1,295,000 | $ 431,666 | $ 1,825,000 |
| Concordia, Louisiana | 2 | $ 220,000 | $ 110,000 | $ 101,000 |
| East Baton Rouge, Louisiana | 2 | $ 1,100,000 | $ 550,000 | $ 178,000 |
| Red River, Louisiana | 2 | $ 200,000 | $ 100,000 | $ 141,000 |
| Union, Louisiana | 2 | $ 120,000 | $ 60,000 | $ 67,000 |
| Baldwin, Alabama | 1 | $ 95,000 | $ 95,000 | $ 466,000 |
| Ascension, Louisiana | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Bossier, Louisiana | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| East Carroll, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Jackson, Louisiana | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| La Salle, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Lafayette, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 540,000 |
| Madison, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Morehouse, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Amite, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 179,000 |
| Hinds, Mississippi | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Jefferson, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Taney, Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cherokee, Texas | 1 | $ 855,000 | $ 855,000 | $ 683,000 |
Mortgage Loan Application Detail Totals for Winnsboro State Bank & Trust Company in 2025
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 | 119 | $21,935,000 | $184,000 | $3,505,000 | $98,000 | $389,000 |
| Home Purchase | 114 | $20,280,000 | $177,000 | $3,215,000 | $205,000 | $2,007,000 |
| Home Improvement | 11 | $1,965,000 | $178,000 | $705,000 | $98,000 | $245,000 |
| Other Purpose | 3 | $165,000 | $55,000 | $105,000 | $108,000 | $177,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 167 | $21,975,000 | $131,000 | $1,805,000 | $151,000 | $2,007,000 |
| Not applicable | 63 | $21,535,000 | $341,000 | $3,505,000 | $0 | $0 |
| Black or African American | 15 | $745,000 | $49,000 | $205,000 | $81,000 | $293,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $28,000 | $28,000 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $80,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 247 | $44,345,000 | $179,000 | $3,505,000 | $145,000 | $2,007,000 |
| 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 | 232 | $38,840,000 | $167,000 | $3,215,000 | $149,000 | $2,007,000 |
| Application Approved But Not Accepted | 8 | $890,000 | $111,000 | $175,000 | $91,000 | $161,000 |
| Application Withdrawn By Applicant | 5 | $1,085,000 | $217,000 | $425,000 | $104,000 | $179,000 |
| File Closed For Incompleteness | 1 | $3,505,000 | $3,505,000 | $3,505,000 | $0 | $0 |
| Application Denied By Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $80,000 | $80,000 |
| 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 | 247 | $44,345,000 | $179,000 | $3,505,000 | $145,000 | $2,007,000 |
| 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 Winnsboro State Bank & Trust Company's 2025 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 Winnsboro State 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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