Southern Bank And Trust Compan
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Southern Bank And Trust Compan 2013 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 Compan Po Box 729 Mt Olive, NC 28365 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,895 |
| Total Mortgage Loan Application Amount | $293,007,000 |
| Average Mortgage Loan Application Amount | $121,333 |
| Highest Mortgage Loan Application Amount | $3,722,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $2,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Southern Bank And Trust Compan. 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 Compan's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Southern Bank And Trust Compan'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 Compan serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Bank And Trust Compan, 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 Compan's mortgage activity for 2013.
| 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 | 173 | $ 24,586,000 | $ 142,000 | $ 106,000 |
| Pitt County North Carolina | 128 | $ 23,123,000 | $ 180,000 | $ 150,000 |
| Dare County North Carolina | 110 | $ 29,362,000 | $ 266,000 | $ 272,000 |
| Wayne County North Carolina | 70 | $ 8,098,000 | $ 115,000 | $ 80,000 |
| Wake County North Carolina | 65 | $ 13,986,000 | $ 215,000 | $ 162,000 |
| Davidson County North Carolina | 62 | $ 8,961,000 | $ 144,000 | $ 67,000 |
| Bertie County North Carolina | 60 | $ 6,192,000 | $ 103,000 | $ 71,000 |
| Hertford County North Carolina | 59 | $ 6,911,000 | $ 117,000 | $ 80,000 |
| Duplin County North Carolina | 54 | $ 5,451,000 | $ 100,000 | $ 107,000 |
| Halifax County North Carolina | 54 | $ 5,503,000 | $ 101,000 | $ 71,000 |
| Beaufort County North Carolina | 52 | $ 7,431,000 | $ 142,000 | $ 144,000 |
| Henry County Virginia | 46 | $ 5,892,000 | $ 128,000 | $ 67,000 |
| Franklin County Virginia | 38 | $ 5,258,000 | $ 138,000 | $ 73,000 |
| Edgecombe County North Carolina | 36 | $ 3,350,000 | $ 93,000 | $ 134,000 |
| Chowan County North Carolina | 35 | $ 5,826,000 | $ 166,000 | $ 122,000 |
| Sampson County North Carolina | 34 | $ 3,694,000 | $ 108,000 | $ 87,000 |
| Guilford County North Carolina | 32 | $ 3,413,000 | $ 106,000 | $ 60,000 |
| Carteret County North Carolina | 30 | $ 8,334,000 | $ 277,000 | $ 241,000 |
| Cleveland County North Carolina | 30 | $ 4,654,000 | $ 155,000 | $ 87,000 |
| Moore County North Carolina | 30 | $ 4,563,000 | $ 152,000 | $ 56,000 |
| Johnston County North Carolina | 28 | $ 3,327,000 | $ 118,000 | $ 73,000 |
| Martin County North Carolina | 28 | $ 2,662,000 | $ 95,000 | $ 62,000 |
| Forsyth County North Carolina | 26 | $ 4,743,000 | $ 182,000 | $ 108,000 |
| Lenoir County North Carolina | 25 | $ 2,801,000 | $ 112,000 | $ 83,000 |
| Montgomery County North Carolina | 24 | $ 2,499,000 | $ 104,000 | $ 76,000 |
| Northampton County North Carolina | 23 | $ 2,348,000 | $ 102,000 | $ 76,000 |
| Person County North Carolina | 23 | $ 3,555,000 | $ 154,000 | $ 85,000 |
| Randolph County North Carolina | 23 | $ 2,855,000 | $ 124,000 | $ 55,000 |
| Granville County North Carolina | 22 | $ 2,293,000 | $ 104,000 | $ 64,000 |
| Wilson County North Carolina | 18 | $ 2,403,000 | $ 133,000 | $ 90,000 |
| Norfolk County Virginia | 18 | $ 2,990,000 | $ 166,000 | $ 75,000 |
| Virginia Beach County Virginia | 18 | $ 3,811,000 | $ 211,000 | $ 90,000 |
| Gates County North Carolina | 16 | $ 1,462,000 | $ 91,000 | $ 51,000 |
| Harnett County North Carolina | 16 | $ 2,836,000 | $ 177,000 | $ 165,000 |
| Vance County North Carolina | 16 | $ 2,079,000 | $ 129,000 | $ 82,000 |
| Martinsville County Virginia | 16 | $ 1,717,000 | $ 107,000 | $ 64,000 |
| New Hanover County North Carolina | 13 | $ 2,244,000 | $ 172,000 | $ 144,000 |
| Washington County North Carolina | 13 | $ 1,130,000 | $ 86,000 | $ 167,000 |
| Chesapeake County Virginia | 13 | $ 6,542,000 | $ 503,000 | $ 127,000 |
| Franklin County North Carolina | 12 | $ 2,037,000 | $ 169,000 | $ 84,000 |
| Hyde County North Carolina | 11 | $ 995,000 | $ 90,000 | $ 88,000 |
| Durham County North Carolina | 10 | $ 1,812,000 | $ 181,000 | $ 107,000 |
| Rockingham County North Carolina | 10 | $ 1,392,000 | $ 139,000 | $ 67,000 |
| Mecklenburg County Virginia | 10 | $ 1,120,000 | $ 112,000 | $ 84,000 |
| Alamance County North Carolina | 9 | $ 1,343,000 | $ 149,000 | $ 59,000 |
| Patrick County Virginia | 9 | $ 1,710,000 | $ 190,000 | $ 61,000 |
| Hoke County North Carolina | 8 | $ 853,000 | $ 106,000 | $ 61,000 |
| Chatham County North Carolina | 7 | $ 1,411,000 | $ 201,000 | $ 93,000 |
| Currituck County North Carolina | 7 | $ 1,447,000 | $ 206,000 | $ 92,000 |
| Perquimans County North Carolina | 7 | $ 1,313,000 | $ 187,000 | $ 101,000 |
| Horry County South Carolina | 7 | $ 1,092,000 | $ 156,000 | $ 166,000 |
| Robeson County North Carolina | 6 | $ 548,000 | $ 91,000 | $ 46,000 |
| Davie County North Carolina | 5 | $ 1,135,000 | $ 227,000 | $ 90,000 |
| Lee County North Carolina | 5 | $ 543,000 | $ 108,000 | $ 254,000 |
| Onslow County North Carolina | 5 | $ 1,070,000 | $ 214,000 | $ 115,000 |
| Pamlico County North Carolina | 5 | $ 202,000 | $ 40,000 | $ 47,000 |
| Pender County North Carolina | 5 | $ 1,289,000 | $ 257,000 | $ 148,000 |
| Warren County North Carolina | 5 | $ 696,000 | $ 139,000 | $ 110,000 |
| Brunswick County North Carolina | 4 | $ 857,000 | $ 214,000 | $ 279,000 |
| Gaston County North Carolina | 4 | $ 463,000 | $ 115,000 | $ 97,000 |
| Orange County North Carolina | 4 | $ 802,000 | $ 200,000 | $ 140,000 |
| Pittsylvania County Virginia | 4 | $ 307,000 | $ 76,000 | $ 55,000 |
| Suffolk County Virginia | 4 | $ 3,055,000 | $ 763,000 | $ 410,000 |
| Greene County North Carolina | 3 | $ 478,000 | $ 159,000 | $ 536,000 |
| Rowan County North Carolina | 3 | $ 884,000 | $ 294,000 | $ 108,000 |
| Rutherford County North Carolina | 3 | $ 280,000 | $ 93,000 | $ 101,000 |
| Watauga County North Carolina | 3 | $ 460,000 | $ 153,000 | $ 152,000 |
| Portsmouth County Virginia | 3 | $ 250,000 | $ 83,000 | $ 72,000 |
| Bladen County North Carolina | 2 | $ 194,000 | $ 97,000 | $ 52,000 |
| Craven County North Carolina | 2 | $ 382,000 | $ 191,000 | $ 69,000 |
| Iredell County North Carolina | 2 | $ 655,000 | $ 327,000 | $ 116,000 |
| Jones County North Carolina | 2 | $ 183,000 | $ 91,000 | $ 43,000 |
| Stokes County North Carolina | 2 | $ 168,000 | $ 84,000 | $ 55,000 |
| Tyrrell County North Carolina | 2 | $ 428,000 | $ 214,000 | $ 57,000 |
| Cherokee County South Carolina | 2 | $ 262,000 | $ 131,000 | $ 203,000 |
| Northampton County Virginia | 2 | $ 1,009,000 | $ 504,000 | $ 0 |
| Roanoke City County Virginia | 2 | $ 408,000 | $ 204,000 | $ 105,000 |
| Oconee County Georgia | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Caldwell County North Carolina | 1 | $ 379,000 | $ 379,000 | $ 157,000 |
| Caswell County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 30,000 |
| Catawba County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 28,000 |
| Cumberland County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 79,000 |
| Lincoln County North Carolina | 1 | $ 344,000 | $ 344,000 | $ 256,000 |
| McDowell County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 304,000 |
| Pasquotank County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 262,000 |
| Richmond County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 121,000 |
| Yadkin County North Carolina | 1 | $ 383,000 | $ 383,000 | $ 218,000 |
| Sevier County Tennessee | 1 | $ 141,000 | $ 141,000 | $ 69,000 |
| Accomack County Virginia | 1 | $ 372,000 | $ 372,000 | $ 227,000 |
| Henrico County Virginia | 1 | $ 262,000 | $ 262,000 | $ 1,399,000 |
| Isle of Wight County Virginia | 1 | $ 296,000 | $ 296,000 | $ 144,000 |
| Montgomery County Virginia | 1 | $ 212,000 | $ 212,000 | $ 93,000 |
| Poquoson County Virginia | 1 | $ 250,000 | $ 250,000 | $ 43,000 |
| Richmond City County Virginia | 1 | $ 131,000 | $ 131,000 | $ 140,000 |
| Spotsylvania County Virginia | 1 | $ 1,545,000 | $ 1,545,000 | $ 0 |
| York County Virginia | 1 | $ 306,000 | $ 306,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Southern Bank And Trust Compan in 2013
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 | 1,237 | $201,050,000 | $162,000 | $3,722,000 | $113,000 | $2,200,000 |
| Home Purchase | 620 | $89,718,000 | $144,000 | $2,249,000 | $104,000 | $1,585,000 |
| Home Improvement | 38 | $2,239,000 | $58,000 | $616,000 | $98,000 | $999,000 |
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 | 1,603 | $241,971,000 | $150,000 | $1,178,000 | $118,000 | $2,200,000 |
| Black or African American | 162 | $15,690,000 | $96,000 | $616,000 | $58,000 | $446,000 |
| Hispanic | 54 | $5,439,000 | $100,000 | $340,000 | $56,000 | $265,000 |
| Not applicable | 41 | $21,504,000 | $524,000 | $3,722,000 | $0 | $0 |
| Asian | 20 | $6,391,000 | $319,000 | $2,249,000 | $300,000 | $1,458,000 |
| American Indian or Alaskan Native | 7 | $738,000 | $105,000 | $204,000 | $60,000 | $130,000 |
| Not Provided | 6 | $894,000 | $149,000 | $277,000 | $87,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $380,000 | $190,000 | $315,000 | $201,000 | $368,000 |
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) | 1,813 | $284,490,000 | $156,000 | $3,722,000 | $113,000 | $2,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $7,761,000 | $100,000 | $291,000 | $41,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 3 | $360,000 | $120,000 | $127,000 | $73,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 2 | $396,000 | $198,000 | $286,000 | $114,000 | $162,000 |
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 | 1,150 | $189,346,000 | $164,000 | $3,722,000 | $130,000 | $2,160,000 |
| Application Denied By Financial Institution | 397 | $50,728,000 | $127,000 | $1,400,000 | $67,000 | $950,000 |
| Application Withdrawn By Applicant | 110 | $16,626,000 | $151,000 | $417,000 | $97,000 | $989,000 |
| Preapproval Denied by Financial Institution | 102 | $14,665,000 | $143,000 | $417,000 | $49,000 | $130,000 |
| Application Approved But Not Accepted | 100 | $17,318,000 | $173,000 | $555,000 | $131,000 | $2,200,000 |
| File Closed For Incompleteness | 36 | $4,324,000 | $120,000 | $263,000 | $87,000 | $468,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Bank And Trust Compan's 2013 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 Compan'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.