State Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
State Bank & Trust Company 2008 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 | 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 | 1,672 |
| Total Mortgage Loan Application Amount | $181,492,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $3,213,000 |
| Average Applicant Income | $91,333 |
| Highest Applicant Income | $7,650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with State Bank & 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 State Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down State Bank & 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 State Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by State Bank & 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 State Bank & Trust Company's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln County Mississippi | 237 | $ 14,809,000 | $ 62,000 | $ 68,000 |
| Pike County Mississippi | 123 | $ 10,076,000 | $ 81,000 | $ 100,000 |
| Pointe Coupee County Louisiana | 100 | $ 10,866,000 | $ 108,000 | $ 73,000 |
| Lawrence County Mississippi | 85 | $ 5,400,000 | $ 63,000 | $ 87,000 |
| East Baton Rouge County Louisiana | 79 | $ 17,624,000 | $ 223,000 | $ 133,000 |
| Leflore County Mississippi | 79 | $ 4,238,000 | $ 53,000 | $ 104,000 |
| Hinds County Mississippi | 78 | $ 9,353,000 | $ 119,000 | $ 125,000 |
| Geneva County Alabama | 70 | $ 4,374,000 | $ 62,000 | $ 59,000 |
| Grenada County Mississippi | 68 | $ 4,921,000 | $ 72,000 | $ 86,000 |
| Bolivar County Mississippi | 67 | $ 4,893,000 | $ 73,000 | $ 67,000 |
| Rankin County Mississippi | 61 | $ 7,901,000 | $ 129,000 | $ 154,000 |
| Madison County Mississippi | 57 | $ 9,132,000 | $ 160,000 | $ 136,000 |
| Claiborne County Mississippi | 42 | $ 1,192,000 | $ 28,000 | $ 39,000 |
| Marion County Mississippi | 40 | $ 4,398,000 | $ 109,000 | $ 75,000 |
| Tangipahoa County Louisiana | 30 | $ 8,336,000 | $ 277,000 | $ 73,000 |
| Livingston County Louisiana | 29 | $ 5,474,000 | $ 188,000 | $ 74,000 |
| Holmes County Florida | 23 | $ 709,000 | $ 30,000 | $ 56,000 |
| Copiah County Mississippi | 23 | $ 2,018,000 | $ 87,000 | $ 82,000 |
| Ascension County Louisiana | 22 | $ 5,062,000 | $ 230,000 | $ 115,000 |
| St. Tammany County Louisiana | 21 | $ 6,384,000 | $ 304,000 | $ 291,000 |
| Carroll County Mississippi | 17 | $ 953,000 | $ 56,000 | $ 61,000 |
| Amite County Mississippi | 16 | $ 1,220,000 | $ 76,000 | $ 112,000 |
| Walthall County Mississippi | 16 | $ 2,298,000 | $ 143,000 | $ 552,000 |
| West Baton Rouge County Louisiana | 13 | $ 3,473,000 | $ 267,000 | $ 60,000 |
| Sunflower County Mississippi | 13 | $ 598,000 | $ 46,000 | $ 40,000 |
| Tallahatchie County Mississippi | 9 | $ 751,000 | $ 83,000 | $ 81,000 |
| Acadia County Louisiana | 8 | $ 431,000 | $ 53,000 | $ 56,000 |
| Lafayette County Louisiana | 8 | $ 1,157,000 | $ 144,000 | $ 72,000 |
| St. Landry County Louisiana | 8 | $ 546,000 | $ 68,000 | $ 62,000 |
| Walton County Florida | 7 | $ 2,399,000 | $ 342,000 | $ 102,000 |
| Mobile County Alabama | 6 | $ 2,512,000 | $ 418,000 | $ 152,000 |
| Jefferson County Mississippi | 6 | $ 439,000 | $ 73,000 | $ 96,000 |
| Lamar County Mississippi | 6 | $ 997,000 | $ 166,000 | $ 111,000 |
| Yalobusha County Mississippi | 6 | $ 599,000 | $ 99,000 | $ 329,000 |
| West Feliciana County Louisiana | 5 | $ 1,027,000 | $ 205,000 | $ 81,000 |
| Montgomery County Mississippi | 5 | $ 237,000 | $ 47,000 | $ 59,000 |
| Washington County Mississippi | 5 | $ 225,000 | $ 45,000 | $ 95,000 |
| Baldwin County Alabama | 4 | $ 1,893,000 | $ 473,000 | $ 309,000 |
| Bay County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 138,000 |
| Iberville County Louisiana | 4 | $ 348,000 | $ 87,000 | $ 70,000 |
| Forrest County Mississippi | 4 | $ 382,000 | $ 95,000 | $ 89,000 |
| Coffee County Alabama | 3 | $ 136,000 | $ 45,000 | $ 78,000 |
| Dale County Alabama | 3 | $ 187,000 | $ 62,000 | $ 1,535,000 |
| Montgomery County Alabama | 3 | $ 671,000 | $ 223,000 | $ 69,000 |
| Washington County Florida | 3 | $ 144,000 | $ 48,000 | $ 78,000 |
| Orleans County Louisiana | 3 | $ 326,000 | $ 108,000 | $ 73,000 |
| Holmes County Mississippi | 3 | $ 77,000 | $ 25,000 | $ 34,000 |
| Lafayette County Mississippi | 3 | $ 275,000 | $ 91,000 | $ 117,000 |
| Simpson County Mississippi | 3 | $ 115,000 | $ 38,000 | $ 37,000 |
| Tallapoosa County Alabama | 2 | $ 271,000 | $ 135,000 | $ 113,000 |
| Caddo County Louisiana | 2 | $ 338,000 | $ 169,000 | $ 112,000 |
| Concordia County Louisiana | 2 | $ 262,000 | $ 131,000 | $ 131,000 |
| Franklin County Mississippi | 2 | $ 251,000 | $ 125,000 | $ 104,000 |
| Jackson County Mississippi | 2 | $ 212,000 | $ 106,000 | $ 96,000 |
| Jefferson Davis County Mississippi | 2 | $ 158,000 | $ 79,000 | $ 152,000 |
| Yazoo County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 13,000 |
| Barbour County Alabama | 1 | $ 37,000 | $ 37,000 | $ 160,000 |
| Hale County Alabama | 1 | $ 173,000 | $ 173,000 | $ 85,000 |
| Henry County Alabama | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
| Madison County Alabama | 1 | $ 156,000 | $ 156,000 | $ 102,000 |
| Pike County Alabama | 1 | $ 22,000 | $ 22,000 | $ 144,000 |
| Garland County Arkansas | 1 | $ 138,000 | $ 138,000 | $ 239,000 |
| Miami-Dade County Florida | 1 | $ 701,000 | $ 701,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 610,000 | $ 610,000 | $ 180,000 |
| Oconee County Georgia | 1 | $ 152,000 | $ 152,000 | $ 2,792,000 |
| Cook County Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Catahoula County Louisiana | 1 | $ 57,000 | $ 57,000 | $ 88,000 |
| Evangeline County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Jefferson Davis County Louisiana | 1 | $ 27,000 | $ 27,000 | $ 129,000 |
| St. Bernard County Louisiana | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| St. James County Louisiana | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Adams County Mississippi | 1 | $ 426,000 | $ 426,000 | $ 120,000 |
| Coahoma County Mississippi | 1 | $ 23,000 | $ 23,000 | $ 60,000 |
| Covington County Mississippi | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| DeSoto County Mississippi | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Hancock County Mississippi | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Harrison County Mississippi | 1 | $ 318,000 | $ 318,000 | $ 238,000 |
| Jones County Mississippi | 1 | $ 106,000 | $ 106,000 | $ 75,000 |
| Newton County Mississippi | 1 | $ 156,000 | $ 156,000 | $ 69,000 |
| Pearl River County Mississippi | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Scott County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Stone County Mississippi | 1 | $ 279,000 | $ 279,000 | $ 235,000 |
| Warren County Mississippi | 1 | $ 239,000 | $ 239,000 | $ 161,000 |
| Winston County Mississippi | 1 | $ 81,000 | $ 81,000 | $ 90,000 |
| Manitowoc County Wisconsin | 1 | $ 2,000 | $ 2,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2008
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 | 735 | $80,299,000 | $109,000 | $3,213,000 | $109,000 | $4,500,000 |
| Home Purchase | 626 | $91,817,000 | $146,000 | $2,892,000 | $106,000 | $7,650,000 |
| Home Improvement | 311 | $9,376,000 | $30,000 | $436,000 | $59,000 | $773,000 |
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 | 1,150 | $126,421,000 | $109,000 | $1,304,000 | $126,000 | $7,650,000 |
| Black or African American | 361 | $21,224,000 | $58,000 | $650,000 | $50,000 | $956,000 |
| Not applicable | 116 | $29,087,000 | $250,000 | $3,213,000 | $0 | $0 |
| Hispanic | 21 | $2,330,000 | $110,000 | $700,000 | $55,000 | $140,000 |
| Asian | 12 | $1,579,000 | $131,000 | $238,000 | $70,000 | $156,000 |
| Not Provided | 7 | $576,000 | $82,000 | $186,000 | $48,000 | $87,000 |
| American Indian or Alaskan Native | 3 | $121,000 | $40,000 | $61,000 | $44,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $154,000 | $77,000 | $128,000 | $68,000 | $99,000 |
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) | 1,536 | $165,358,000 | $107,000 | $3,213,000 | $103,000 | $7,650,000 |
| FHA-insured (Federal Housing Administration) | 98 | $11,530,000 | $117,000 | $274,000 | $50,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,309,000 | $114,000 | $236,000 | $52,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,295,000 | $143,000 | $212,000 | $60,000 | $119,000 |
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 | 1,055 | $116,391,000 | $110,000 | $3,213,000 | $122,000 | $7,650,000 |
| Application Denied By Financial Institution | 323 | $25,161,000 | $77,000 | $750,000 | $51,000 | $558,000 |
| Application Approved But Not Accepted | 184 | $25,617,000 | $139,000 | $780,000 | $83,000 | $753,000 |
| Preapproval Denied by Financial Institution | 98 | $12,742,000 | $130,000 | $650,000 | $47,000 | $131,000 |
| File Closed For Incompleteness | 8 | $916,000 | $114,000 | $236,000 | $58,000 | $148,000 |
| Application Withdrawn By Applicant | 4 | $665,000 | $166,000 | $209,000 | $29,000 | $61,000 |
| 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 2008 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.