Vernon Parish, LA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,438 mortgage applications in Vernon Parish, LA totaling $158.9 million, down 28% from 2007. The average application was for $110,000, and applicants reported an average income of $64,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was Sabine State Bank and Trust Company, with 133 applications, followed by JPMorgan Chase Bank, NA and Beneficial Company LLC.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,438 |
| Total Mortgage Loan Application Amount | $158,852,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $749,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,200,000 |
Top Mortgage Lenders in Vernon Parish, LA (2008)
Ranked by the number of mortgage applications each lender reported in Vernon Parish, LA in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Sabine State Bank and Trust Company Many, LA |
133 | $15,495,000 | $116,000 | $81,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
118 | $12,554,000 | $106,000 | $61,000 |
| 3 | Beneficial Company LLC Mettawa, IL |
93 | $10,344,000 | $111,000 | $75,000 |
| 4 | Countrywide Bank FSB Westlake Village, CA |
74 | $8,415,000 | $113,000 | $65,000 |
| 5 | City Savings Bank & Trust Company Deridder, LA |
71 | $3,735,000 | $52,000 | $52,000 |
| 6 | Fairway Independent Mort Corp Madison, WI |
66 | $8,882,000 | $134,000 | $68,000 |
| 7 | Barksdale Federal Credit Union Bossier City, LA |
62 | $5,988,000 | $96,000 | $63,000 |
| 8 | Gmac Mortgage LLC Ft. Washington, PA |
59 | $8,232,000 | $139,000 | $41,000 |
| 9 | Wells Fargo Funding, Inc Winston-Salem, NC |
57 | $8,553,000 | $150,000 | $62,000 |
| 10 | USAA Federal Savings Bank San Antonio, TX |
56 | $7,042,000 | $125,000 | $70,000 |
The tables below break down 2008 mortgage applications in Vernon 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 Vernon Parish, LA in 2008
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 | 704 | $78,190,000 | $111,000 | $749,000 | $69,000 | $1,200,000 |
| Home Purchase | 606 | $74,425,000 | $122,000 | $623,000 | $58,000 | $452,000 |
| Home Improvement | 128 | $6,237,000 | $48,000 | $286,000 | $68,000 | $323,000 |
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 | 978 | $104,151,000 | $106,000 | $749,000 | $70,000 | $1,200,000 |
| Black or African American | 182 | $20,806,000 | $114,000 | $291,000 | $60,000 | $720,000 |
| Not applicable | 107 | $14,195,000 | $132,000 | $273,000 | $10,000 | $131,000 |
| Not Provided | 106 | $10,632,000 | $100,000 | $245,000 | $70,000 | $511,000 |
| Hispanic | 41 | $5,463,000 | $133,000 | $227,000 | $76,000 | $211,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,798,000 | $179,000 | $304,000 | $90,000 | $135,000 |
| American Indian or Alaskan Native | 7 | $800,000 | $114,000 | $135,000 | $57,000 | $88,000 |
| Asian | 7 | $1,007,000 | $143,000 | $204,000 | $52,000 | $62,000 |
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) | 985 | $98,597,000 | $100,000 | $749,000 | $68,000 | $720,000 |
| VA-guaranteed (Veterans Administration) | 217 | $32,656,000 | $150,000 | $300,000 | $51,000 | $197,000 |
| FHA-insured (Federal Housing Administration) | 185 | $22,485,000 | $121,000 | $275,000 | $68,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $5,114,000 | $100,000 | $203,000 | $41,000 | $90,000 |
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 | 598 | $68,462,000 | $114,000 | $749,000 | $72,000 | $511,000 |
| Application Denied By Financial Institution | 398 | $35,701,000 | $89,000 | $309,000 | $60,000 | $720,000 |
| Loan Purchased By The Institution | 203 | $27,110,000 | $133,000 | $304,000 | $34,000 | $240,000 |
| Application Withdrawn By Applicant | 152 | $18,862,000 | $124,000 | $300,000 | $80,000 | $1,200,000 |
| Application Approved But Not Accepted | 68 | $6,559,000 | $96,000 | $304,000 | $69,000 | $175,000 |
| File Closed For Incompleteness | 19 | $2,158,000 | $113,000 | $285,000 | $71,000 | $153,000 |
| 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 | 81 | $4,594,000 | $56,000 | $200,000 | $50,000 | $138,000 |
| Collateral | 42 | $4,353,000 | $103,000 | $252,000 | $70,000 | $252,000 |
| Debt-To-Income Ratio | 39 | $3,565,000 | $91,000 | $206,000 | $55,000 | $424,000 |
| Credit Application Incomplete | 34 | $4,129,000 | $121,000 | $309,000 | $71,000 | $162,000 |
| Other | 19 | $1,962,000 | $103,000 | $293,000 | $56,000 | $170,000 |
| Employment History | 7 | $488,000 | $69,000 | $157,000 | $57,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $297,000 | $74,000 | $90,000 | $54,000 | $72,000 |
| Unverifiable Information | 4 | $339,000 | $84,000 | $115,000 | $35,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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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