State Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, State Bank & Trust Company of Brookhaven, MS reported 1,515 mortgage applications totaling $179.8 million, down 9% from 2008. The average application was for $118,711, and applicants reported an average income of $88,161. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Baton Rouge, LA (256), Jackson, MS (167) and Dothan, AL (58) (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 | 1,515 |
| Total Mortgage Loan Application Amount | $179,848,000 |
| Average Mortgage Loan Application Amount | $118,711 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $88,161 |
| Highest Applicant Income | $2,608,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 202 | $ 11,764,000 | $ 58,237 | $ 80,000 |
| Pointe Coupee, Louisiana | 122 | $ 17,178,000 | $ 140,803 | $ 86,000 |
| Pike, Mississippi | 109 | $ 9,790,000 | $ 89,816 | $ 101,000 |
| East Baton Rouge, Louisiana | 68 | $ 22,596,000 | $ 332,294 | $ 114,000 |
| Lawrence, Mississippi | 65 | $ 4,721,000 | $ 72,630 | $ 76,000 |
| Grenada, Mississippi | 60 | $ 5,202,000 | $ 86,700 | $ 88,000 |
| Geneva, Alabama | 58 | $ 2,848,000 | $ 49,103 | $ 67,000 |
| Marion, Mississippi | 57 | $ 4,464,000 | $ 78,315 | $ 76,000 |
| Hinds, Mississippi | 53 | $ 6,514,000 | $ 122,905 | $ 141,000 |
| Rankin, Mississippi | 50 | $ 7,820,000 | $ 156,400 | $ 79,000 |
| Madison, Mississippi | 45 | $ 8,791,000 | $ 195,355 | $ 165,000 |
| Leflore, Mississippi | 44 | $ 4,087,000 | $ 92,886 | $ 65,000 |
| Claiborne, Mississippi | 40 | $ 2,320,000 | $ 58,000 | $ 36,000 |
| Bolivar, Mississippi | 38 | $ 1,965,000 | $ 51,710 | $ 72,000 |
| Livingston, Louisiana | 31 | $ 5,436,000 | $ 175,354 | $ 53,000 |
| Tangipahoa, Louisiana | 25 | $ 4,662,000 | $ 186,480 | $ 71,000 |
| Amite, Mississippi | 21 | $ 1,456,000 | $ 69,333 | $ 214,000 |
| Copiah, Mississippi | 18 | $ 1,225,000 | $ 68,055 | $ 72,000 |
| Walthall, Mississippi | 18 | $ 1,096,000 | $ 60,888 | $ 102,000 |
| St. Tammany, Louisiana | 17 | $ 4,998,000 | $ 294,000 | $ 128,000 |
| West Baton Rouge, Louisiana | 16 | $ 4,080,000 | $ 255,000 | $ 65,000 |
| Holmes, Florida | 11 | $ 601,000 | $ 54,636 | $ 43,000 |
| Jefferson, Mississippi | 11 | $ 754,000 | $ 68,545 | $ 68,000 |
| Ascension, Louisiana | 10 | $ 2,871,000 | $ 287,100 | $ 69,000 |
| Montgomery, Mississippi | 10 | $ 354,000 | $ 35,400 | $ 197,000 |
| Walton, Florida | 9 | $ 2,498,000 | $ 277,555 | $ 87,000 |
| Carroll, Mississippi | 9 | $ 471,000 | $ 52,333 | $ 47,000 |
| Harrison, Mississippi | 9 | $ 1,455,000 | $ 161,666 | $ 106,000 |
| Sunflower, Mississippi | 9 | $ 1,867,000 | $ 207,444 | $ 151,000 |
| Mobile, Alabama | 8 | $ 1,970,000 | $ 246,250 | $ 103,000 |
| St. Landry, Louisiana | 8 | $ 539,000 | $ 67,375 | $ 49,000 |
| Acadia, Louisiana | 6 | $ 685,000 | $ 114,166 | $ 136,000 |
| Iberville, Louisiana | 6 | $ 750,000 | $ 125,000 | $ 68,000 |
| Lamar, Mississippi | 6 | $ 936,000 | $ 156,000 | $ 114,000 |
| Baldwin, Alabama | 5 | $ 992,000 | $ 198,400 | $ 146,000 |
| Tallahatchie, Mississippi | 5 | $ 174,000 | $ 34,800 | $ 64,000 |
| Yalobusha, Mississippi | 4 | $ 909,000 | $ 227,250 | $ 489,000 |
| Lafayette, Louisiana | 3 | $ 498,000 | $ 166,000 | $ 64,000 |
| Adams, Mississippi | 3 | $ 359,000 | $ 119,666 | $ 506,000 |
| Jones, Mississippi | 3 | $ 291,000 | $ 97,000 | $ 515,000 |
| Lafayette, Mississippi | 3 | $ 297,000 | $ 99,000 | $ 197,000 |
| Warren, Mississippi | 3 | $ 331,000 | $ 110,333 | $ 158,000 |
| Coffee, Alabama | 2 | $ 202,000 | $ 101,000 | $ 51,000 |
| Evangeline, Louisiana | 2 | $ 229,000 | $ 114,500 | $ 98,000 |
| St. James, Louisiana | 2 | $ 115,000 | $ 57,500 | $ 43,000 |
| West Feliciana, Louisiana | 2 | $ 548,000 | $ 274,000 | $ 119,000 |
| Franklin, Mississippi | 2 | $ 42,000 | $ 21,000 | $ 91,000 |
| Pearl River, Mississippi | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Scott, Mississippi | 2 | $ 121,000 | $ 60,500 | $ 55,000 |
| Washington, Mississippi | 2 | $ 32,000 | $ 16,000 | $ 40,000 |
| Covington, Alabama | 1 | $ 9,000 | $ 9,000 | $ 28,000 |
| Dale, Alabama | 1 | $ 52,000 | $ 52,000 | $ 150,000 |
| Madison, Alabama | 1 | $ 156,000 | $ 156,000 | $ 84,000 |
| Tallapoosa, Alabama | 1 | $ 133,000 | $ 133,000 | $ 140,000 |
| Izard, Arkansas | 1 | $ 59,000 | $ 59,000 | $ 148,000 |
| Escambia, Florida | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 130,000 | $ 130,000 | $ 150,000 |
| Avoyelles, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Caddo, Louisiana | 1 | $ 316,000 | $ 316,000 | $ 130,000 |
| Catahoula, Louisiana | 1 | $ 5,000 | $ 5,000 | $ 119,000 |
| Concordia, Louisiana | 1 | $ 48,000 | $ 48,000 | $ 158,000 |
| East Feliciana, Louisiana | 1 | $ 221,000 | $ 221,000 | $ 80,000 |
| Ouachita, Louisiana | 1 | $ 417,000 | $ 417,000 | $ 159,000 |
| Washington, Louisiana | 1 | $ 38,000 | $ 38,000 | $ 47,000 |
| Attala, Mississippi | 1 | $ 38,000 | $ 38,000 | $ 42,000 |
| Clarke, Mississippi | 1 | $ 42,000 | $ 42,000 | $ 137,000 |
| Coahoma, Mississippi | 1 | $ 49,000 | $ 49,000 | $ 61,000 |
| Forrest, Mississippi | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| George, Mississippi | 1 | $ 126,000 | $ 126,000 | $ 73,000 |
| Jackson, Mississippi | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Jefferson Davis, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Lauderdale, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 49,000 |
| Panola, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Pontotoc, Mississippi | 1 | $ 170,000 | $ 170,000 | $ 57,000 |
| Simpson, Mississippi | 1 | $ 46,000 | $ 46,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2009
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 | 722 | $105,899,000 | $146,000 | $4,500,000 | $108,000 | $2,608,000 |
| Home Purchase | 505 | $66,775,000 | $132,000 | $1,712,000 | $77,000 | $1,457,000 |
| Home Improvement | 288 | $7,174,000 | $24,000 | $348,000 | $58,000 | $1,618,000 |
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 | 1,068 | $124,925,000 | $116,000 | $1,712,000 | $108,000 | $2,608,000 |
| Black or African American | 294 | $18,029,000 | $61,000 | $443,000 | $46,000 | $300,000 |
| Not applicable | 122 | $33,674,000 | $276,000 | $4,500,000 | $14,000 | $1,742,000 |
| Hispanic | 12 | $1,229,000 | $102,000 | $280,000 | $72,000 | $306,000 |
| Asian | 9 | $785,000 | $87,000 | $150,000 | $56,000 | $89,000 |
| Not Provided | 6 | $882,000 | $147,000 | $391,000 | $292,000 | $734,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $289,000 | $96,000 | $139,000 | $81,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $12,000 | $12,000 |
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) | 1,336 | $157,661,000 | $118,000 | $4,500,000 | $94,000 | $2,608,000 |
| FHA-insured (Federal Housing Administration) | 101 | $13,083,000 | $129,000 | $276,000 | $52,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $6,208,000 | $103,000 | $180,000 | $34,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,896,000 | $160,000 | $443,000 | $50,000 | $149,000 |
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 | 920 | $112,861,000 | $122,000 | $4,500,000 | $100,000 | $2,608,000 |
| Application Denied By Financial Institution | 263 | $20,389,000 | $77,000 | $900,000 | $61,000 | $925,000 |
| Application Approved But Not Accepted | 117 | $15,005,000 | $128,000 | $560,000 | $103,000 | $1,396,000 |
| Preapproval Denied by Financial Institution | 116 | $13,850,000 | $119,000 | $303,000 | $46,000 | $197,000 |
| Preapproval Approved but not Accepted | 59 | $8,764,000 | $148,000 | $340,000 | $60,000 | $114,000 |
| File Closed For Incompleteness | 35 | $7,587,000 | $216,000 | $443,000 | $95,000 | $312,000 |
| Application Withdrawn By Applicant | 5 | $1,392,000 | $278,000 | $894,000 | $226,000 | $755,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2009 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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