State Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, State Bank & Trust Company of Brookhaven, MS reported 1,935 mortgage applications totaling $207.6 million, up 8% from 2006. The average application was for $107,297, and applicants reported an average income of $75,673. 66% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Baton Rouge, LA (422), Jackson, MS (210) and Dothan, AL (96) (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 | 1,935 |
| Total Mortgage Loan Application Amount | $207,621,000 |
| Average Mortgage Loan Application Amount | $107,297 |
| Highest Mortgage Loan Application Amount | $6,320,000 |
| Average Applicant Income | $75,673 |
| Highest Applicant Income | $1,553,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 252 | $ 16,250,000 | $ 64,484 | $ 68,000 |
| Pointe Coupee, Louisiana | 147 | $ 17,755,000 | $ 120,782 | $ 76,000 |
| East Baton Rouge, Louisiana | 135 | $ 26,807,000 | $ 198,570 | $ 102,000 |
| Pike, Mississippi | 127 | $ 8,782,000 | $ 69,149 | $ 95,000 |
| Lawrence, Mississippi | 105 | $ 5,733,000 | $ 54,600 | $ 72,000 |
| Geneva, Alabama | 93 | $ 4,692,000 | $ 50,451 | $ 67,000 |
| Bolivar, Mississippi | 79 | $ 4,278,000 | $ 54,151 | $ 65,000 |
| Hinds, Mississippi | 76 | $ 8,721,000 | $ 114,750 | $ 82,000 |
| Grenada, Mississippi | 71 | $ 4,330,000 | $ 60,985 | $ 68,000 |
| Leflore, Mississippi | 68 | $ 3,212,000 | $ 47,235 | $ 65,000 |
| Rankin, Mississippi | 57 | $ 7,607,000 | $ 133,456 | $ 72,000 |
| Claiborne, Mississippi | 54 | $ 1,076,000 | $ 19,925 | $ 34,000 |
| Marion, Mississippi | 52 | $ 4,271,000 | $ 82,134 | $ 72,000 |
| Madison, Mississippi | 47 | $ 8,011,000 | $ 170,446 | $ 96,000 |
| Ascension, Louisiana | 43 | $ 8,427,000 | $ 195,976 | $ 108,000 |
| Livingston, Louisiana | 41 | $ 6,889,000 | $ 168,024 | $ 94,000 |
| West Baton Rouge, Louisiana | 34 | $ 5,977,000 | $ 175,794 | $ 66,000 |
| Tangipahoa, Louisiana | 28 | $ 10,040,000 | $ 358,571 | $ 75,000 |
| Copiah, Mississippi | 27 | $ 1,343,000 | $ 49,740 | $ 56,000 |
| St. Tammany, Louisiana | 25 | $ 4,751,000 | $ 190,040 | $ 99,000 |
| Holmes, Florida | 21 | $ 842,000 | $ 40,095 | $ 116,000 |
| Walthall, Mississippi | 19 | $ 1,217,000 | $ 64,052 | $ 72,000 |
| Carroll, Mississippi | 15 | $ 1,175,000 | $ 78,333 | $ 62,000 |
| Iberville, Louisiana | 14 | $ 1,644,000 | $ 117,428 | $ 65,000 |
| Walton, Florida | 12 | $ 3,503,000 | $ 291,916 | $ 133,000 |
| Amite, Mississippi | 12 | $ 672,000 | $ 56,000 | $ 73,000 |
| Lafayette, Louisiana | 11 | $ 1,922,000 | $ 174,727 | $ 89,000 |
| St. Landry, Louisiana | 10 | $ 651,000 | $ 65,100 | $ 61,000 |
| Sunflower, Mississippi | 9 | $ 260,000 | $ 28,888 | $ 44,000 |
| Acadia, Louisiana | 8 | $ 856,000 | $ 107,000 | $ 52,000 |
| Jefferson, Mississippi | 8 | $ 720,000 | $ 90,000 | $ 58,000 |
| Forrest, Mississippi | 6 | $ 380,000 | $ 63,333 | $ 51,000 |
| Tallahatchie, Mississippi | 6 | $ 397,000 | $ 66,166 | $ 23,000 |
| Caddo, Louisiana | 5 | $ 2,000,000 | $ 400,000 | $ 20,000 |
| Lafayette, Mississippi | 5 | $ 544,000 | $ 108,800 | $ 79,000 |
| Lamar, Mississippi | 5 | $ 758,000 | $ 151,600 | $ 74,000 |
| Montgomery, Mississippi | 5 | $ 226,000 | $ 45,200 | $ 24,000 |
| Yazoo, Mississippi | 5 | $ 493,000 | $ 98,600 | $ 32,000 |
| Orleans, Louisiana | 4 | $ 595,000 | $ 148,750 | $ 102,000 |
| West Feliciana, Louisiana | 4 | $ 1,301,000 | $ 325,250 | $ 448,000 |
| Harrison, Mississippi | 4 | $ 922,000 | $ 230,500 | $ 77,000 |
| Oktibbeha, Mississippi | 4 | $ 365,000 | $ 91,250 | $ 84,000 |
| Covington, Alabama | 3 | $ 215,000 | $ 71,666 | $ 56,000 |
| Henry, Alabama | 3 | $ 425,000 | $ 141,666 | $ 68,000 |
| Pearl River, Mississippi | 3 | $ 535,000 | $ 178,333 | $ 0 |
| Simpson, Mississippi | 3 | $ 182,000 | $ 60,666 | $ 344,000 |
| Warren, Mississippi | 3 | $ 121,000 | $ 40,333 | $ 24,000 |
| Washington, Mississippi | 3 | $ 140,000 | $ 46,666 | $ 69,000 |
| Yalobusha, Mississippi | 3 | $ 51,000 | $ 17,000 | $ 48,000 |
| Coffee, Alabama | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Etowah, Alabama | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Lee, Alabama | 2 | $ 24,000 | $ 12,000 | $ 110,000 |
| Bay, Florida | 2 | $ 982,000 | $ 491,000 | $ 294,000 |
| Assumption, Louisiana | 2 | $ 230,000 | $ 115,000 | $ 94,000 |
| East Feliciana, Louisiana | 2 | $ 423,000 | $ 211,500 | $ 71,000 |
| Evangeline, Louisiana | 2 | $ 107,000 | $ 53,500 | $ 78,000 |
| St. Helena, Louisiana | 2 | $ 305,000 | $ 152,500 | $ 70,000 |
| Vermilion, Louisiana | 2 | $ 298,000 | $ 149,000 | $ 115,000 |
| Jones, Mississippi | 2 | $ 187,000 | $ 93,500 | $ 145,000 |
| Lowndes, Mississippi | 2 | $ 351,000 | $ 175,500 | $ 47,000 |
| Wilkinson, Mississippi | 2 | $ 225,000 | $ 112,500 | $ 72,000 |
| Baldwin, Alabama | 1 | $ 6,320,000 | $ 6,320,000 | $ 0 |
| Dale, Alabama | 1 | $ 57,000 | $ 57,000 | $ 48,000 |
| Mobile, Alabama | 1 | $ 31,000 | $ 31,000 | $ 106,000 |
| Pike, Alabama | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Tallapoosa, Alabama | 1 | $ 133,000 | $ 133,000 | $ 129,000 |
| Garland, Arkansas | 1 | $ 158,000 | $ 158,000 | $ 204,000 |
| Izard, Arkansas | 1 | $ 61,000 | $ 61,000 | $ 148,000 |
| Beauregard, Louisiana | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Concordia, Louisiana | 1 | $ 48,000 | $ 48,000 | $ 165,000 |
| Jefferson, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| St. Mary, Louisiana | 1 | $ 74,000 | $ 74,000 | $ 19,000 |
| Tensas, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Washington, Louisiana | 1 | $ 89,000 | $ 89,000 | $ 43,000 |
| Attala, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Coahoma, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 76,000 |
| Franklin, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Hancock, Mississippi | 1 | $ 211,000 | $ 211,000 | $ 297,000 |
| Holmes, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Humphreys, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Jefferson Davis, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Lauderdale, Mississippi | 1 | $ 4,000 | $ 4,000 | $ 52,000 |
| Neshoba, Mississippi | 1 | $ 40,000 | $ 40,000 | $ 71,000 |
| Tunica, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| Shelby, Missouri | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Burlington, New Jersey | 1 | $ 119,000 | $ 119,000 | $ 48,000 |
| Sevier, Tennessee | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Dallas, Texas | 1 | $ 25,000 | $ 25,000 | $ 313,000 |
| Harris, Texas | 1 | $ 197,000 | $ 197,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2007
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 | 853 | $114,168,000 | $133,000 | $6,320,000 | $72,000 | $1,041,000 |
| Refinancing | 711 | $83,907,000 | $118,000 | $6,230,000 | $94,000 | $1,553,000 |
| Home Improvement | 371 | $9,546,000 | $25,000 | $329,000 | $49,000 | $414,000 |
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 | 1,287 | $136,416,000 | $105,000 | $1,492,000 | $90,000 | $1,500,000 |
| Black or African American | 493 | $28,841,000 | $58,000 | $850,000 | $54,000 | $1,553,000 |
| Not applicable | 107 | $36,475,000 | $340,000 | $6,320,000 | $0 | $75,000 |
| Hispanic | 19 | $1,377,000 | $72,000 | $183,000 | $60,000 | $313,000 |
| Asian | 12 | $2,160,000 | $180,000 | $356,000 | $96,000 | $144,000 |
| Not Provided | 11 | $1,435,000 | $130,000 | $338,000 | $94,000 | $545,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $858,000 | $171,000 | $276,000 | $72,000 | $144,000 |
| American Indian or Alaskan Native | 1 | $59,000 | $59,000 | $59,000 | $40,000 | $40,000 |
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) | 1,907 | $204,415,000 | $107,000 | $6,320,000 | $76,000 | $1,553,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,629,000 | $109,000 | $195,000 | $40,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 4 | $577,000 | $144,000 | $170,000 | $49,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,275 | $139,071,000 | $109,000 | $6,320,000 | $83,000 | $1,553,000 |
| Application Denied By Financial Institution | 371 | $29,443,000 | $79,000 | $1,013,000 | $55,000 | $630,000 |
| Application Approved But Not Accepted | 168 | $23,497,000 | $139,000 | $1,492,000 | $88,000 | $1,456,000 |
| Preapproval Denied by Financial Institution | 105 | $13,698,000 | $130,000 | $472,000 | $48,000 | $159,000 |
| Application Withdrawn By Applicant | 12 | $1,651,000 | $137,000 | $232,000 | $61,000 | $123,000 |
| File Closed For Incompleteness | 4 | $261,000 | $65,000 | $120,000 | $20,000 | $48,000 |
| 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 State Bank & Trust Company's 2007 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.
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