Rayne State Bank & Trust Co Mortgage Lending & HMDA Data, 2021
In 2021, Rayne State Bank & Trust Co of Rayne, LA reported 137 mortgage applications totaling $33.9 million, up 7% from 2020. The average application was for $247,554, and applicants reported an average income of $175,832. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lafayette, LA (119), Baton Rouge, LA (3) and Houston-The Woodlands-Sugar Land, TX (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 | 137 |
| Total Mortgage Loan Application Amount | $33,915,000 |
| Average Mortgage Loan Application Amount | $247,554 |
| Highest Mortgage Loan Application Amount | $6,115,000 |
| Average Applicant Income | $175,832 |
| Highest Applicant Income | $2,521,000 |
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records Rayne State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lafayette, LA | 119 | $ 29,375,000 | $ 246,848 | $ 174,000 |
| Outside any metro area | 8 | $ 690,000 | $ 86,250 | $ 102,000 |
| Baton Rouge, LA | 3 | $ 555,000 | $ 185,000 | $ 132,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 1,420,000 | $ 710,000 | $ 308,000 |
| Lake Charles, LA | 2 | $ 670,000 | $ 335,000 | $ 109,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 215,000 | $ 215,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 305,000 | $ 305,000 | $ 1,264,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 685,000 | $ 685,000 | $ 0 |
Mortgage Loan Application Detail Totals for Rayne State Bank & Trust Co in 2021
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 | 75 | $18,065,000 | $240,000 | $6,115,000 | $129,000 | $714,000 |
| Home Purchase | 50 | $14,810,000 | $296,000 | $1,535,000 | $259,000 | $2,521,000 |
| Home Improvement | 6 | $170,000 | $28,000 | $55,000 | $85,000 | $194,000 |
| Other Purpose | 6 | $870,000 | $145,000 | $455,000 | $159,000 | $463,000 |
| 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 | 90 | $18,110,000 | $201,000 | $1,535,000 | $192,000 | $2,521,000 |
| Not applicable | 32 | $13,890,000 | $434,000 | $6,115,000 | $0 | $0 |
| Black or African American | 9 | $525,000 | $58,000 | $185,000 | $120,000 | $381,000 |
| Asian | 4 | $1,290,000 | $322,000 | $635,000 | $97,000 | $247,000 |
| Hispanic | 2 | $100,000 | $50,000 | $65,000 | $68,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 137 | $33,915,000 | $247,000 | $6,115,000 | $180,000 | $2,521,000 |
| 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 | 125 | $31,995,000 | $255,000 | $6,115,000 | $189,000 | $2,521,000 |
| Application Denied By Financial Institution | 8 | $990,000 | $123,000 | $455,000 | $51,000 | $114,000 |
| Application Withdrawn By Applicant | 2 | $490,000 | $245,000 | $405,000 | $273,000 | $463,000 |
| Application Approved But Not Accepted | 2 | $440,000 | $220,000 | $325,000 | $66,000 | $66,000 |
| 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 | 129 | $32,925,000 | $255,000 | $6,115,000 | $189,000 | $2,521,000 |
| Credit History | 4 | $220,000 | $55,000 | $105,000 | $47,000 | $69,000 |
| Debt-To-Income Ratio | 4 | $770,000 | $192,000 | $455,000 | $54,000 | $114,000 |
| 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 2021 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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