Livingston Parish, LA Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 8,650 mortgage applications in Livingston Parish, LA totaling $1.2 billion, down 11% from 2009. The average application was for $143,000, and applicants reported an average income of $66,000. 42% of applications resulted in an originated loan and 15% were denied. The most active lender was Bank of America, N.A., with 1,094 applications, followed by JPMorgan Chase Bank, NA and Gmfs, LLC.

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Total Number of Mortgage Applications 8,650
Total Mortgage Loan Application Amount $1,245,469,000
Average Mortgage Loan Application Amount $143,000
Highest Mortgage Loan Application Amount $16,456,000
Average Applicant Income $66,000
Highest Applicant Income $2,448,000
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Top Mortgage Lenders in Livingston Parish, LA (2010)

Ranked by the number of mortgage applications each lender reported in Livingston Parish, LA in 2010.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Bank of America, N.A.
Calabasas, CA
1,094 $165,772,000 $151,000 $66,000
2 JPMorgan Chase Bank, NA
Columbus, OH
762 $114,944,000 $150,000 $54,000
3 Gmfs, LLC
Baton Rouge, LA
731 $112,598,000 $154,000 $64,000
4 Wells Fargo Bank, NA
Winston-Salem, NC
501 $85,988,000 $171,000 $72,000
5 Wells Fargo Funding, Inc
Winston-Salem, NC
477 $77,847,000 $163,000 $73,000
6 Hancock Bank of Louisiana
Baton Rouge, LA
413 $45,973,000 $111,000 $70,000
7 Capital One NA
Baton Rouge, LA
334 $21,737,000 $65,000 $74,000
8 Iberiabank Mortgage Company
Little Rock, AR
208 $34,656,000 $166,000 $76,000
9 DHI Mortgage Company, Ltd.
Austin, TX
204 $30,202,000 $148,000 $47,000
10 Regions Bank
Birmingham, AL
161 $21,345,000 $132,000 $77,000

See every lender active in Livingston Parish, LA in 2010 »

The tables below break down 2010 mortgage applications in Livingston Parish, LA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Livingston Parish, LA 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 4,690 $722,767,000 $154,000 $16,456,000 $71,000 $2,448,000
Home Purchase 3,428 $496,137,000 $144,000 $800,000 $59,000 $769,000
Home Improvement 532 $26,565,000 $49,000 $462,000 $65,000 $1,013,000

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 6,830 $955,959,000 $139,000 $977,000 $70,000 $2,448,000
Not Provided 778 $112,670,000 $144,000 $807,000 $69,000 $650,000
Not applicable 477 $97,081,000 $203,000 $16,456,000 $16,000 $321,000
Black or African American 373 $51,648,000 $138,000 $286,000 $47,000 $193,000
Hispanic 120 $17,918,000 $149,000 $459,000 $58,000 $183,000
Asian 44 $6,213,000 $141,000 $403,000 $82,000 $326,000
American Indian or Alaskan Native 20 $2,907,000 $145,000 $590,000 $180,000 $1,560,000
Native Hawaiian or Other Pacific Islander 8 $1,073,000 $134,000 $183,000 $51,000 $85,000

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) 4,854 $639,732,000 $131,000 $2,400,000 $74,000 $2,448,000
FHA-insured (Federal Housing Administration) 2,236 $365,188,000 $163,000 $16,456,000 $62,000 $1,020,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,313 $194,669,000 $148,000 $336,000 $44,000 $90,000
VA-guaranteed (Veterans Administration) 247 $45,880,000 $185,000 $365,000 $52,000 $173,000

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 3,618 $509,465,000 $140,000 $2,400,000 $69,000 $769,000
Loan Purchased By The Institution 2,239 $372,256,000 $166,000 $16,456,000 $57,000 $321,000
Application Denied By Financial Institution 1,316 $151,152,000 $114,000 $807,000 $65,000 $2,448,000
Application Withdrawn By Applicant 990 $149,350,000 $150,000 $977,000 $74,000 $1,560,000
Application Approved But Not Accepted 290 $34,931,000 $120,000 $440,000 $68,000 $650,000
File Closed For Incompleteness 197 $28,315,000 $143,000 $417,000 $73,000 $484,000
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
Credit History 332 $29,327,000 $88,000 $807,000 $62,000 $683,000
Debt-To-Income Ratio 201 $25,774,000 $128,000 $782,000 $55,000 $1,120,000
Collateral 134 $17,876,000 $133,000 $559,000 $80,000 $312,000
Credit Application Incomplete 114 $17,294,000 $151,000 $590,000 $64,000 $812,000
Other 92 $13,203,000 $143,000 $625,000 $75,000 $480,000
Employment History 21 $3,057,000 $145,000 $339,000 $46,000 $89,000
Insufficient Cash (Downpayment, Closing Cost) 18 $2,715,000 $150,000 $371,000 $96,000 $792,000
Unverifiable Information 16 $2,284,000 $142,000 $260,000 $66,000 $100,000
Mortgage Insurance Denied 2 $246,000 $123,000 $131,000 $74,000 $84,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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