West Carroll Parish, LA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 263 mortgage applications in West Carroll Parish, LA totaling $23.6 million, down 4% from 2011. The average application was for $89,000, and applicants reported an average income of $66,000. 44% of applications resulted in an originated loan and 27% were denied. The most active lender was Capital One NA, with 32 applications, followed by Richland State Bank and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 263
Total Mortgage Loan Application Amount $23,620,000
Average Mortgage Loan Application Amount $89,000
Highest Mortgage Loan Application Amount $311,000
Average Applicant Income $66,000
Highest Applicant Income $240,000

Mortgage Company List for Lending in West Carroll Parish, LA for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 32 $ 2,777,000
Richland State Bank
P O BOX 817
RAYVILLE, LA 71269
* $ 222,790,000 28 $ 1,649,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 26 $ 3,053,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 23 $ 1,330,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 17 $ 821,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 12 $ 1,158,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 12 $ 1,026,000
Cross Keys Bank
PO BOX 142
MONROE, LA 71207
* $ 317,561,000 9 $ 571,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 7 $ 1,113,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 6 $ 1,507,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 6 $ 277,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 6 $ 490,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 11,676,671,000 6 $ 640,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,507,508,000 5 $ 490,000
Origin Bank

HOUSTON, TX 77024
* $ 2,470,701,000 4 $ 237,000
Bankers Mortgage Center, Inc.
909 NORTH 18TH STREET STE 110
MONROE, LA 71201
* $ 10,000,000 4 $ 471,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 4 $ 326,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 3 $ 489,000
Dsld Mortgage LLC

BATON ROUGE, LA 70809
* $ 222,000 3 $ 489,000
Delta Trust & Bank
P.O. BOX 37
PARKDALE, AR 71661
* $ 381,710,000 3 $ 76,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 12,990,345,000 3 $ 341,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 3 $ 214,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 3 $ 261,000
Progressive Bank
1411 NORTH 19TH STREET, P O BOX 4053
MONROE, LA 71201
* $ 436,191,000 2 $ 84,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 235,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 147,000
Pelican State Credit Union
P.O. BOX 40088
BATON ROUGE, LA 70835
* $ 191,733,000 2 $ 54,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 11,676,671,000 2 $ 127,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 2 $ 141,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 165,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ 1,000,000,000 2 $ 152,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 100,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 1 $ 137,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 103,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 100,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 55,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 99,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 305,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 1 $ 260,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 50,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 311,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 60,000
Eagle Louisiana FCU
PO BOX 64630
BATON ROUGE, LA 70896
* $ 92,069,000 1 $ 20,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 69,000
Ouachita Independent Bank
909 N 18TH STREET, STE 120
MONROE, LA 71201
* $ 567,658,000 1 $ 212,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 683,714,000 1 $ 93,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 55,000
Marion State Bank
345 MAIN STREET
MARION, LA 71260
* $ 128,866,000 1 $ 56,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 115,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 128,000

The tables below break down 2012 mortgage applications in West Carroll 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 West Carroll Parish, LA in 2012

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 $13,214,000 $111,000 $311,000 $67,000 $240,000
Home Purchase 117 $9,447,000 $80,000 $247,000 $65,000 $211,000
Home Improvement 27 $959,000 $35,000 $106,000 $62,000 $207,000

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 221 $19,907,000 $90,000 $311,000 $69,000 $240,000
Not Provided 19 $2,483,000 $130,000 $311,000 $58,000 $121,000
Black or African American 12 $577,000 $48,000 $92,000 $36,000 $77,000
Not applicable 6 $389,000 $64,000 $114,000 $14,000 $85,000
Hispanic 5 $264,000 $52,000 $89,000 $80,000 $207,000
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) 210 $17,986,000 $85,000 $311,000 $69,000 $240,000
FHA-insured (Federal Housing Administration) 33 $3,719,000 $112,000 $234,000 $63,000 $130,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $1,493,000 $99,000 $143,000 $45,000 $60,000
VA-guaranteed (Veterans Administration) 5 $422,000 $84,000 $115,000 $18,000 $32,000

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 116 $10,195,000 $87,000 $311,000 $76,000 $240,000
Application Denied By Financial Institution 70 $5,457,000 $77,000 $311,000 $52,000 $207,000
Application Withdrawn By Applicant 35 $3,922,000 $112,000 $308,000 $60,000 $199,000
Loan Purchased By The Institution 31 $3,227,000 $104,000 $260,000 $63,000 $182,000
Application Approved But Not Accepted 9 $696,000 $77,000 $214,000 $70,000 $101,000
File Closed For Incompleteness 2 $123,000 $61,000 $68,000 $52,000 $56,000
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 27 $1,837,000 $68,000 $230,000 $45,000 $121,000
Debt-To-Income Ratio 13 $1,089,000 $83,000 $184,000 $47,000 $139,000
Credit Application Incomplete 5 $918,000 $183,000 $308,000 $94,000 $127,000
Collateral 3 $495,000 $165,000 $311,000 $93,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 1 $50,000 $50,000 $50,000 $38,000 $38,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 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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