State Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, State Bank & Trust Company of Brookhaven, MS reported 374 mortgage applications totaling $73.1 million, down 29% from 2019. The average application was for $195,347, and applicants reported an average income of $133,911. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Baton Rouge, LA (54), New Orleans-Metairie, LA (33) and Dothan, AL (15) (applications in parentheses).
| Mortgage Company & Address | State Bank & Trust Company 147 South Railroad Avenue Brookhaven, MS 39601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 374 |
| Total Mortgage Loan Application Amount | $73,060,000 |
| Average Mortgage Loan Application Amount | $195,347 |
| Highest Mortgage Loan Application Amount | $5,195,000 |
| Average Applicant Income | $133,911 |
| Highest Applicant Income | $1,626,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lincoln, Mississippi | 54 | $ 3,910,000 | $ 72,407 | $ 82,000 |
| Marion, Mississippi | 42 | $ 3,470,000 | $ 82,619 | $ 75,000 |
| Pike, Mississippi | 28 | $ 3,640,000 | $ 130,000 | $ 80,000 |
| East Baton Rouge, Louisiana | 20 | $ 5,480,000 | $ 274,000 | $ 482,000 |
| Lawrence, Mississippi | 18 | $ 850,000 | $ 47,222 | $ 68,000 |
| Orleans, Louisiana | 17 | $ 12,335,000 | $ 725,588 | $ 136,000 |
| Livingston, Louisiana | 16 | $ 1,380,000 | $ 86,250 | $ 68,000 |
| St. Tammany, Louisiana | 15 | $ 2,415,000 | $ 161,000 | $ 159,000 |
| Tangipahoa, Louisiana | 11 | $ 2,195,000 | $ 199,545 | $ 117,000 |
| Pointe Coupee, Louisiana | 10 | $ 900,000 | $ 90,000 | $ 93,000 |
| Coffee, Alabama | 9 | $ 1,305,000 | $ 145,000 | $ 212,000 |
| Mobile, Alabama | 9 | $ 1,965,000 | $ 218,333 | $ 128,000 |
| Grenada, Mississippi | 8 | $ 740,000 | $ 92,500 | $ 46,000 |
| Bolivar, Mississippi | 7 | $ 2,295,000 | $ 327,857 | $ 261,000 |
| Baldwin, Alabama | 6 | $ 1,710,000 | $ 285,000 | $ 630,000 |
| Geneva, Alabama | 6 | $ 820,000 | $ 136,666 | $ 163,000 |
| Houston, Alabama | 6 | $ 1,950,000 | $ 325,000 | $ 203,000 |
| Leflore, Mississippi | 6 | $ 440,000 | $ 73,333 | $ 362,000 |
| Dale, Alabama | 5 | $ 5,665,000 | $ 1,133,000 | $ 267,000 |
| Ascension, Louisiana | 5 | $ 1,045,000 | $ 209,000 | $ 0 |
| Copiah, Mississippi | 5 | $ 425,000 | $ 85,000 | $ 93,000 |
| Madison, Mississippi | 5 | $ 685,000 | $ 137,000 | $ 261,000 |
| Carroll, Mississippi | 4 | $ 400,000 | $ 100,000 | $ 70,000 |
| Claiborne, Mississippi | 4 | $ 120,000 | $ 30,000 | $ 31,000 |
| Walthall, Mississippi | 4 | $ 370,000 | $ 92,500 | $ 64,000 |
| Henry, Alabama | 3 | $ 265,000 | $ 88,333 | $ 304,000 |
| Bay, Florida | 3 | $ 725,000 | $ 241,666 | $ 632,000 |
| Walton, Florida | 3 | $ 4,225,000 | $ 1,408,333 | $ 872,000 |
| St. Landry, Louisiana | 3 | $ 195,000 | $ 65,000 | $ 119,000 |
| Amite, Mississippi | 3 | $ 395,000 | $ 131,666 | $ 78,000 |
| Lamar, Mississippi | 3 | $ 765,000 | $ 255,000 | $ 86,000 |
| Holmes, Florida | 2 | $ 60,000 | $ 30,000 | $ 27,000 |
| East Feliciana, Louisiana | 2 | $ 110,000 | $ 55,000 | $ 80,000 |
| DeSoto, Mississippi | 2 | $ 410,000 | $ 205,000 | $ 360,000 |
| Franklin, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Hancock, Mississippi | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Hinds, Mississippi | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Jackson, Mississippi | 2 | $ 290,000 | $ 145,000 | $ 85,000 |
| Lafayette, Mississippi | 2 | $ 1,200,000 | $ 600,000 | $ 200,000 |
| Montgomery, Mississippi | 2 | $ 80,000 | $ 40,000 | $ 38,000 |
| Sunflower, Mississippi | 2 | $ 320,000 | $ 160,000 | $ 81,000 |
| Covington, Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lee, Alabama | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
| St. Bernard, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Terrebonne, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 0 |
| West Feliciana, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Adams, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clay, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Holmes, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Jones, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tallahatchie, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Warren, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Washington, Mississippi | 1 | $ 4,715,000 | $ 4,715,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 908,000 |
| Jefferson, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company 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 | 188 | $31,040,000 | $165,000 | $4,765,000 | $131,000 | $1,626,000 |
| Home Purchase | 146 | $38,650,000 | $264,000 | $5,195,000 | $141,000 | $1,616,000 |
| Home Improvement | 25 | $1,885,000 | $75,000 | $315,000 | $131,000 | $632,000 |
| Other Purpose | 14 | $1,250,000 | $89,000 | $225,000 | $111,000 | $613,000 |
| Cash-out Refinancing | 1 | $235,000 | $235,000 | $235,000 | $40,000 | $40,000 |
| 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 | 220 | $26,380,000 | $119,000 | $2,565,000 | $144,000 | $1,626,000 |
| Not applicable | 106 | $42,020,000 | $396,000 | $5,195,000 | $0 | $0 |
| Black or African American | 35 | $1,625,000 | $46,000 | $155,000 | $49,000 | $114,000 |
| Not Provided | 6 | $1,640,000 | $273,000 | $555,000 | $317,000 | $875,000 |
| Asian | 2 | $150,000 | $75,000 | $115,000 | $56,000 | $56,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $90,000 | $90,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 374 | $73,060,000 | $195,000 | $5,195,000 | $133,000 | $1,626,000 |
| 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 | 276 | $58,220,000 | $210,000 | $5,195,000 | $171,000 | $1,626,000 |
| Application Denied By Financial Institution | 52 | $9,610,000 | $184,000 | $4,765,000 | $58,000 | $226,000 |
| Application Approved But Not Accepted | 37 | $3,405,000 | $92,000 | $445,000 | $89,000 | $632,000 |
| Application Withdrawn By Applicant | 7 | $1,365,000 | $195,000 | $535,000 | $75,000 | $125,000 |
| File Closed For Incompleteness | 2 | $460,000 | $230,000 | $425,000 | $138,000 | $231,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 374 | $73,060,000 | $195,000 | $5,195,000 | $133,000 | $1,626,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank & Trust Company'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 State Bank & 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 Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
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