Rayne State Bank & Trust Co Mortgage Lending & HMDA Data, 2022
In 2022, Rayne State Bank & Trust Co of Rayne, LA reported 120 mortgage applications totaling $27.5 million, down 12% from 2021. The average application was for $229,333, and applicants reported an average income of $237,141. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lafayette, LA (101), Baton Rouge, LA (7) and Dallas-Plano-Irving, TX (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 | 120 |
| Total Mortgage Loan Application Amount | $27,520,000 |
| Average Mortgage Loan Application Amount | $229,333 |
| Highest Mortgage Loan Application Amount | $3,255,000 |
| Average Applicant Income | $237,141 |
| Highest Applicant Income | $2,700,000 |
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records Rayne State Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 101 | $ 19,145,000 | $ 189,554 | $ 197,000 |
| Outside any metro area | 9 | $ 5,545,000 | $ 616,111 | $ 398,555 |
| Baton Rouge, LA | 7 | $ 2,165,000 | $ 309,285 | $ 131,000 |
| Dallas-Plano-Irving, TX | 1 | $ 255,000 | $ 255,000 | $ 1,445,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 195,000 | $ 195,000 | $ 208,000 |
| Lake Charles, LA | 1 | $ 215,000 | $ 215,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Rayne State Bank & Trust Co in 2022
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 | 62 | $14,300,000 | $230,000 | $3,255,000 | $213,000 | $2,700,000 |
| Home Purchase | 51 | $12,705,000 | $249,000 | $1,255,000 | $261,000 | $915,000 |
| Home Improvement | 4 | $160,000 | $40,000 | $75,000 | $59,000 | $81,000 |
| Other Purpose | 3 | $355,000 | $118,000 | $255,000 | $568,000 | $1,445,000 |
| 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 | 74 | $16,370,000 | $221,000 | $3,255,000 | $215,000 | $2,700,000 |
| Not applicable | 38 | $9,840,000 | $258,000 | $1,125,000 | $0 | $0 |
| Black or African American | 7 | $635,000 | $90,000 | $195,000 | $374,000 | $915,000 |
| 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) | 120 | $27,520,000 | $229,000 | $3,255,000 | $233,000 | $2,700,000 |
| 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 | 110 | $25,200,000 | $229,000 | $3,255,000 | $250,000 | $2,700,000 |
| Application Denied By Financial Institution | 5 | $695,000 | $139,000 | $325,000 | $70,000 | $131,000 |
| Application Approved But Not Accepted | 4 | $1,560,000 | $390,000 | $1,185,000 | $181,000 | $417,000 |
| Application Withdrawn By Applicant | 1 | $65,000 | $65,000 | $65,000 | $43,000 | $43,000 |
| 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 | 115 | $26,825,000 | $233,000 | $3,255,000 | $244,000 | $2,700,000 |
| Credit History | 4 | $370,000 | $92,000 | $255,000 | $57,000 | $131,000 |
| Debt-To-Income Ratio | 1 | $325,000 | $325,000 | $325,000 | $122,000 | $122,000 |
| 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 2022 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About