Rayne State Bank & Trust Co Mortgage Lending & HMDA Data, 2025
In 2025, Rayne State Bank & Trust Co of Rayne, LA reported 83 mortgage applications totaling $20.4 million, down 19% from 2024. The average application was for $245,240, and applicants reported an average income of $216,662. 94% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lafayette, LA (68), Baton Rouge, LA (2) and Daphne-Fairhope-Foley, AL (2) (applications in parentheses).
| Mortgage Company & Address | Rayne State Bank & Trust Co 200 S Adams Ave Rayne, LA 70578 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 83 |
| Total Mortgage Loan Application Amount | $20,355,000 |
| Average Mortgage Loan Application Amount | $245,240 |
| Highest Mortgage Loan Application Amount | $1,765,000 |
| Average Applicant Income | $216,662 |
| Highest Applicant Income | $2,739,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rayne State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Rayne State Bank & Trust Co 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 | 55 | $11,545,000 | $209,000 | $1,765,000 | $206,000 | $2,739,000 |
| Home Purchase | 22 | $8,580,000 | $390,000 | $1,325,000 | $274,000 | $1,680,000 |
| Other Purpose | 5 | $205,000 | $41,000 | $75,000 | $67,000 | $174,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $290,000 | $290,000 |
| 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 | 56 | $12,140,000 | $216,000 | $1,275,000 | $233,000 | $2,739,000 |
| Not applicable | 17 | $6,865,000 | $403,000 | $1,765,000 | $0 | $0 |
| Black or African American | 7 | $465,000 | $66,000 | $175,000 | $80,000 | $163,000 |
| Asian | 2 | $740,000 | $370,000 | $385,000 | $225,000 | $402,000 |
| Not Provided | 1 | $145,000 | $145,000 | $145,000 | $74,000 | $74,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 83 | $20,355,000 | $245,000 | $1,765,000 | $214,000 | $2,739,000 |
| 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 | 78 | $20,030,000 | $256,000 | $1,765,000 | $226,000 | $2,739,000 |
| Application Denied By Financial Institution | 3 | $165,000 | $55,000 | $75,000 | $87,000 | $174,000 |
| Application Withdrawn By Applicant | 1 | $145,000 | $145,000 | $145,000 | $74,000 | $74,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $13,000 | $13,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 80 | $20,190,000 | $252,000 | $1,765,000 | $220,000 | $2,739,000 |
| Debt-To-Income Ratio | 2 | $100,000 | $50,000 | $75,000 | $44,000 | $73,000 |
| Credit History | 1 | $65,000 | $65,000 | $65,000 | $174,000 | $174,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rayne State Bank & Trust Co'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 Rayne State Bank & Trust Co'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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