Rayne State Bank & Trust Co Mortgage Lending & HMDA Data, 2020
In 2020, Rayne State Bank & Trust Co of Rayne, LA reported 128 mortgage applications totaling $24.1 million, up 1% from 2019. The average application was for $188,593, and applicants reported an average income of $157,460. 94% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lafayette, LA (110), Crestview-Fort Walton Beach-Destin, FL (3) and Baton Rouge, LA (1) (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 | 128 |
| Total Mortgage Loan Application Amount | $24,140,000 |
| Average Mortgage Loan Application Amount | $188,593 |
| Highest Mortgage Loan Application Amount | $2,375,000 |
| Average Applicant Income | $157,460 |
| Highest Applicant Income | $1,786,000 |
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records Rayne State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, Louisiana | 74 | $ 16,110,000 | $ 217,702 | $ 189,000 |
| Acadia, Louisiana | 32 | $ 2,110,000 | $ 65,937 | $ 64,000 |
| St. Landry, Louisiana | 6 | $ 630,000 | $ 105,000 | $ 89,000 |
| Vermilion, Louisiana | 4 | $ 500,000 | $ 125,000 | $ 43,000 |
| Walton, Florida | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Pike, Alabama | 1 | $ 155,000 | $ 155,000 | $ 339,000 |
| Okaloosa, Florida | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Evangeline, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jefferson Davis, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 136,000 |
| Natchitoches, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 415,000 |
| Pointe Coupee, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 111,000 |
| Sabine, Louisiana | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Holmes, Mississippi | 1 | $ 2,375,000 | $ 2,375,000 | $ 0 |
| Ector, Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Rayne State Bank & Trust Co in 2020
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 | 83 | $15,795,000 | $190,000 | $2,375,000 | $105,000 | $617,000 |
| Home Purchase | 37 | $7,975,000 | $215,000 | $1,075,000 | $295,000 | $1,786,000 |
| Home Improvement | 7 | $335,000 | $47,000 | $65,000 | $57,000 | $87,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $126,000 | $126,000 |
| 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 | 72 | $8,800,000 | $122,000 | $1,075,000 | $144,000 | $1,786,000 |
| Not applicable | 49 | $15,025,000 | $306,000 | $2,375,000 | $0 | $0 |
| Black or African American | 7 | $315,000 | $45,000 | $75,000 | $66,000 | $189,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Not Provided | 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) | 128 | $24,140,000 | $188,000 | $2,375,000 | $138,000 | $1,786,000 |
| 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 | 120 | $23,640,000 | $197,000 | $2,375,000 | $146,000 | $1,786,000 |
| Application Denied By Financial Institution | 6 | $240,000 | $40,000 | $115,000 | $22,000 | $39,000 |
| Application Withdrawn By Applicant | 1 | $55,000 | $55,000 | $55,000 | $87,000 | $87,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $263,000 | $263,000 |
| 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 | 122 | $23,900,000 | $195,000 | $2,375,000 | $146,000 | $1,786,000 |
| Credit History | 4 | $70,000 | $17,000 | $35,000 | $28,000 | $39,000 |
| Debt-To-Income Ratio | 2 | $170,000 | $85,000 | $115,000 | $14,000 | $21,000 |
| 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 2020 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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