Southern Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Southern Bank And Trust Company 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Southern Bank And Trust Company Po Box 729 Mount Olive, NC 28365 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,782 |
| Total Mortgage Loan Application Amount | $353,590,000 |
| Average Mortgage Loan Application Amount | $222,666 |
| Highest Mortgage Loan Application Amount | $10,095,000 |
| Average Applicant Income | $112,833 |
| Highest Applicant Income | $2,089,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Southern Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Southern Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Southern Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Southern Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Southern Bank And Trust Company's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nash County North Carolina | 246 | $ 34,260,000 | $ 139,000 | $ 106,000 |
| Pitt County North Carolina | 208 | $ 41,780,000 | $ 200,000 | $ 156,000 |
| Dare County North Carolina | 138 | $ 50,050,000 | $ 362,000 | $ 147,000 |
| Virginia Beach County Virginia | 94 | $ 31,600,000 | $ 336,000 | $ 264,000 |
| Wilson County North Carolina | 89 | $ 12,775,000 | $ 143,000 | $ 166,000 |
| Wayne County North Carolina | 71 | $ 10,255,000 | $ 144,000 | $ 100,000 |
| Edgecombe County North Carolina | 63 | $ 6,355,000 | $ 100,000 | $ 81,000 |
| Beaufort County North Carolina | 57 | $ 6,275,000 | $ 110,000 | $ 90,000 |
| New Hanover County North Carolina | 49 | $ 23,415,000 | $ 477,000 | $ 295,000 |
| Wake County North Carolina | 49 | $ 12,955,000 | $ 264,000 | $ 224,000 |
| Hertford County North Carolina | 47 | $ 3,795,000 | $ 80,000 | $ 89,000 |
| Carteret County North Carolina | 45 | $ 12,695,000 | $ 282,000 | $ 246,000 |
| Chowan County North Carolina | 39 | $ 5,675,000 | $ 145,000 | $ 87,000 |
| Duplin County North Carolina | 37 | $ 6,055,000 | $ 163,000 | $ 95,000 |
| Norfolk County Virginia | 35 | $ 9,185,000 | $ 262,000 | $ 280,000 |
| Bertie County North Carolina | 34 | $ 3,660,000 | $ 107,000 | $ 122,000 |
| Halifax County North Carolina | 32 | $ 3,420,000 | $ 106,000 | $ 93,000 |
| Lenoir County North Carolina | 28 | $ 3,550,000 | $ 126,000 | $ 78,000 |
| Chesapeake County Virginia | 24 | $ 5,410,000 | $ 225,000 | $ 148,000 |
| Martin County North Carolina | 23 | $ 2,445,000 | $ 106,000 | $ 94,000 |
| Sampson County North Carolina | 23 | $ 2,755,000 | $ 119,000 | $ 99,000 |
| Gates County North Carolina | 20 | $ 1,860,000 | $ 93,000 | $ 69,000 |
| Currituck County North Carolina | 19 | $ 7,985,000 | $ 420,000 | $ 143,000 |
| Northampton County North Carolina | 16 | $ 1,550,000 | $ 96,000 | $ 83,000 |
| Johnston County North Carolina | 15 | $ 1,715,000 | $ 114,000 | $ 89,000 |
| Suffolk County Virginia | 15 | $ 4,005,000 | $ 267,000 | $ 254,000 |
| Pasquotank County North Carolina | 14 | $ 2,200,000 | $ 157,000 | $ 150,000 |
| Greene County North Carolina | 13 | $ 1,705,000 | $ 131,000 | $ 91,000 |
| Washington County North Carolina | 13 | $ 1,345,000 | $ 103,000 | $ 90,000 |
| Craven County North Carolina | 11 | $ 985,000 | $ 89,000 | $ 63,000 |
| Perquimans County North Carolina | 11 | $ 1,715,000 | $ 155,000 | $ 82,000 |
| Brunswick County North Carolina | 10 | $ 2,420,000 | $ 242,000 | $ 317,000 |
| Franklin County North Carolina | 10 | $ 1,400,000 | $ 140,000 | $ 125,000 |
| Hyde County North Carolina | 8 | $ 1,050,000 | $ 131,000 | $ 91,000 |
| Pender County North Carolina | 8 | $ 2,050,000 | $ 256,000 | $ 337,000 |
| Portsmouth County Virginia | 7 | $ 785,000 | $ 112,000 | $ 80,000 |
| Camden County North Carolina | 6 | $ 1,000,000 | $ 166,000 | $ 115,000 |
| Horry County South Carolina | 6 | $ 1,380,000 | $ 230,000 | $ 454,000 |
| Warren County North Carolina | 5 | $ 945,000 | $ 189,000 | $ 191,000 |
| Forsyth County North Carolina | 4 | $ 580,000 | $ 145,000 | $ 135,000 |
| Onslow County North Carolina | 4 | $ 850,000 | $ 212,000 | $ 227,000 |
| Cumberland County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 55,000 |
| Durham County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 62,000 |
| Watauga County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 88,000 |
| James City County Virginia | 3 | $ 1,235,000 | $ 411,000 | $ 288,000 |
| Northampton County Virginia | 3 | $ 675,000 | $ 225,000 | $ 516,000 |
| York County Virginia | 3 | $ 715,000 | $ 238,000 | $ 698,000 |
| Jackson County North Carolina | 2 | $ 230,000 | $ 115,000 | $ 46,000 |
| Tyrrell County North Carolina | 2 | $ 70,000 | $ 35,000 | $ 68,000 |
| Beaufort County South Carolina | 2 | $ 600,000 | $ 300,000 | $ 477,000 |
| Southampton County Virginia | 2 | $ 280,000 | $ 140,000 | $ 75,000 |
| Alleghany County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 297,000 |
| Bladen County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Buncombe County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Cleveland County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Columbus County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Davidson County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Gaston County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Granville County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Guilford County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 975,000 | $ 975,000 | $ 200,000 |
| Jones County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lee County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Madison County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| Mecklenburg County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 177,000 |
| Mitchell County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 408,000 |
| Moore County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 126,000 |
| Orange County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Pamlico County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 212,000 |
| Robeson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 124,000 |
| Union County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 222,000 |
| Richland County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 792,000 |
| Brunswick County Virginia | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Danville County Virginia | 1 | $ 355,000 | $ 355,000 | $ 536,000 |
| Franklin City County Virginia | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Greensville County Virginia | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Isle of Wight County Virginia | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Mecklenburg County Virginia | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Middlesex County Virginia | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Newport News County Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Prince William County Virginia | 1 | $ 205,000 | $ 205,000 | $ 298,000 |
| Sussex County Virginia | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Southern Bank And Trust Company in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 828 | $195,700,000 | $236,000 | $3,435,000 | $141,000 | $1,500,000 |
| Refinancing | 442 | $102,930,000 | $232,000 | $10,095,000 | $164,000 | $934,000 |
| Other Purpose | 292 | $26,950,000 | $92,000 | $755,000 | $142,000 | $2,089,000 |
| Home Improvement | 128 | $9,410,000 | $73,000 | $525,000 | $122,000 | $1,089,000 |
| Cash-out Refinancing | 91 | $18,095,000 | $198,000 | $1,115,000 | $108,000 | $452,000 |
| Not Applicable | 1 | $505,000 | $505,000 | $505,000 | $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 | 1,386 | $250,180,000 | $180,000 | $2,505,000 | $148,000 | $2,089,000 |
| Not applicable | 184 | $66,890,000 | $363,000 | $10,095,000 | $0 | $0 |
| Black or African American | 118 | $13,290,000 | $112,000 | $755,000 | $75,000 | $255,000 |
| Not Provided | 43 | $10,145,000 | $235,000 | $505,000 | $145,000 | $792,000 |
| Hispanic | 28 | $6,380,000 | $227,000 | $775,000 | $126,000 | $505,000 |
| Asian | 11 | $4,545,000 | $413,000 | $1,575,000 | $296,000 | $772,000 |
| American Indian or Alaskan Native | 6 | $1,220,000 | $203,000 | $405,000 | $115,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $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) | 1,734 | $342,110,000 | $197,000 | $10,095,000 | $144,000 | $2,089,000 |
| VA-guaranteed (Veterans Administration) | 26 | $8,300,000 | $319,000 | $1,115,000 | $151,000 | $654,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,965,000 | $141,000 | $205,000 | $47,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 1 | $215,000 | $215,000 | $215,000 | $100,000 | $100,000 |
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 | 1,414 | $274,720,000 | $194,000 | $3,435,000 | $154,000 | $2,089,000 |
| Application Denied By Financial Institution | 117 | $18,485,000 | $157,000 | $2,505,000 | $81,000 | $654,000 |
| Application Approved But Not Accepted | 104 | $28,730,000 | $276,000 | $10,095,000 | $147,000 | $815,000 |
| Preapproval Approved but not Accepted | 64 | $15,900,000 | $248,000 | $725,000 | $93,000 | $315,000 |
| Preapproval Denied by Financial Institution | 54 | $8,710,000 | $161,000 | $455,000 | $53,000 | $182,000 |
| Application Withdrawn By Applicant | 29 | $7,045,000 | $242,000 | $975,000 | $195,000 | $792,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 1,611 | $326,395,000 | $202,000 | $10,095,000 | $152,000 | $2,089,000 |
| Credit History | 74 | $7,990,000 | $107,000 | $375,000 | $57,000 | $182,000 |
| Debt-To-Income Ratio | 58 | $10,860,000 | $187,000 | $2,505,000 | $59,000 | $250,000 |
| Collateral | 24 | $4,680,000 | $195,000 | $855,000 | $114,000 | $250,000 |
| Other | 5 | $2,115,000 | $423,000 | $1,185,000 | $250,000 | $654,000 |
| Employment History | 4 | $370,000 | $92,000 | $195,000 | $26,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $880,000 | $220,000 | $495,000 | $91,000 | $242,000 |
| Mortgage Insurance Denied | 1 | $105,000 | $105,000 | $105,000 | $48,000 | $48,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $127,000 | $127,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Bank And Trust Company's 2019 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 Southern Bank And Trust Company'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.