State Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, State Bank & Trust Company of Brookhaven, MS reported 839 mortgage applications totaling $79.0 million, down 12% from 2010. The average application was for $94,158, and applicants reported an average income of $96,955. 74% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Baton Rouge, LA (112), Jackson, MS (69) and Dothan, AL (29) (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 | 839 |
| Total Mortgage Loan Application Amount | $78,999,000 |
| Average Mortgage Loan Application Amount | $94,158 |
| Highest Mortgage Loan Application Amount | $3,580,000 |
| Average Applicant Income | $96,955 |
| Highest Applicant Income | $9,999,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 141 | $ 6,206,000 | $ 44,014 | $ 62,000 |
| Pike, Mississippi | 80 | $ 5,150,000 | $ 64,375 | $ 111,000 |
| Lawrence, Mississippi | 55 | $ 2,326,000 | $ 42,290 | $ 69,000 |
| Bolivar, Mississippi | 52 | $ 6,328,000 | $ 121,692 | $ 99,000 |
| Marion, Mississippi | 42 | $ 2,495,000 | $ 59,404 | $ 81,000 |
| East Baton Rouge, Louisiana | 40 | $ 14,144,000 | $ 353,600 | $ 42,000 |
| Grenada, Mississippi | 40 | $ 1,466,000 | $ 36,650 | $ 95,000 |
| Pointe Coupee, Louisiana | 37 | $ 2,400,000 | $ 64,864 | $ 73,000 |
| Leflore, Mississippi | 36 | $ 1,310,000 | $ 36,388 | $ 168,000 |
| Hinds, Mississippi | 29 | $ 2,924,000 | $ 100,827 | $ 509,000 |
| Geneva, Alabama | 27 | $ 1,304,000 | $ 48,296 | $ 89,000 |
| Claiborne, Mississippi | 24 | $ 397,000 | $ 16,541 | $ 34,000 |
| Tangipahoa, Louisiana | 17 | $ 5,152,000 | $ 303,058 | $ 32,000 |
| Livingston, Louisiana | 16 | $ 1,976,000 | $ 123,500 | $ 24,000 |
| Madison, Mississippi | 13 | $ 3,678,000 | $ 282,923 | $ 198,000 |
| Jefferson, Mississippi | 12 | $ 434,000 | $ 36,166 | $ 35,000 |
| Copiah, Mississippi | 10 | $ 236,000 | $ 23,600 | $ 64,000 |
| Rankin, Mississippi | 10 | $ 791,000 | $ 79,100 | $ 39,000 |
| St. Landry, Louisiana | 9 | $ 184,000 | $ 20,444 | $ 90,000 |
| Carroll, Mississippi | 9 | $ 266,000 | $ 29,555 | $ 60,000 |
| Holmes, Florida | 8 | $ 475,000 | $ 59,375 | $ 61,000 |
| Ascension, Louisiana | 8 | $ 1,420,000 | $ 177,500 | $ 38,000 |
| Walthall, Mississippi | 8 | $ 357,000 | $ 44,625 | $ 91,000 |
| St. Tammany, Louisiana | 7 | $ 1,801,000 | $ 257,285 | $ 300,000 |
| West Baton Rouge, Louisiana | 7 | $ 1,227,000 | $ 175,285 | $ 123,000 |
| Simpson, Mississippi | 7 | $ 192,000 | $ 27,428 | $ 47,000 |
| Mobile, Alabama | 6 | $ 740,000 | $ 123,333 | $ 104,000 |
| Lamar, Mississippi | 6 | $ 352,000 | $ 58,666 | $ 58,000 |
| Tallahatchie, Mississippi | 6 | $ 154,000 | $ 25,666 | $ 33,000 |
| Washington, Mississippi | 6 | $ 194,000 | $ 32,333 | $ 79,000 |
| Acadia, Louisiana | 5 | $ 484,000 | $ 96,800 | $ 68,000 |
| Orleans, Louisiana | 5 | $ 1,721,000 | $ 344,200 | $ 163,000 |
| Sunflower, Mississippi | 5 | $ 275,000 | $ 55,000 | $ 28,000 |
| Amite, Mississippi | 4 | $ 198,000 | $ 49,500 | $ 94,000 |
| Holmes, Mississippi | 4 | $ 115,000 | $ 28,750 | $ 92,000 |
| Dale, Alabama | 3 | $ 158,000 | $ 52,666 | $ 29,000 |
| Iberville, Louisiana | 3 | $ 106,000 | $ 35,333 | $ 50,000 |
| Lafayette, Mississippi | 3 | $ 376,000 | $ 125,333 | $ 49,000 |
| Baldwin, Alabama | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Houston, Alabama | 2 | $ 801,000 | $ 400,500 | $ 52,000 |
| Escambia, Florida | 2 | $ 1,155,000 | $ 577,500 | $ 475,000 |
| Okaloosa, Florida | 2 | $ 3,500,000 | $ 1,750,000 | $ 0 |
| Walton, Florida | 2 | $ 343,000 | $ 171,500 | $ 16,000 |
| Evangeline, Louisiana | 2 | $ 163,000 | $ 81,500 | $ 58,000 |
| Coahoma, Mississippi | 2 | $ 68,000 | $ 34,000 | $ 60,000 |
| Wilkinson, Mississippi | 2 | $ 233,000 | $ 116,500 | $ 90,000 |
| Barbour, Alabama | 1 | $ 46,000 | $ 46,000 | $ 83,000 |
| Chaffee, Colorado | 1 | $ 36,000 | $ 36,000 | $ 245,000 |
| Bay, Florida | 1 | $ 585,000 | $ 585,000 | $ 271,000 |
| Gulf, Florida | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Blaine, Idaho | 1 | $ 249,000 | $ 249,000 | $ 416,000 |
| Lafayette, Louisiana | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| West Feliciana, Louisiana | 1 | $ 340,000 | $ 340,000 | $ 237,000 |
| Attala, Mississippi | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Benton, Mississippi | 1 | $ 247,000 | $ 247,000 | $ 60,000 |
| Calhoun, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Forrest, Mississippi | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Franklin, Mississippi | 1 | $ 96,000 | $ 96,000 | $ 172,000 |
| Hancock, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 144,000 |
| Humphreys, Mississippi | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Jefferson Davis, Mississippi | 1 | $ 261,000 | $ 261,000 | $ 59,000 |
| Montgomery, Mississippi | 1 | $ 33,000 | $ 33,000 | $ 101,000 |
| Yalobusha, Mississippi | 1 | $ 23,000 | $ 23,000 | $ 57,000 |
| Yazoo, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 0 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2011
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 | 364 | $46,131,000 | $126,000 | $3,580,000 | $132,000 | $9,999,000 |
| Home Improvement | 263 | $5,757,000 | $21,000 | $381,000 | $46,000 | $416,000 |
| Home Purchase | 212 | $27,111,000 | $127,000 | $1,956,000 | $100,000 | $4,329,000 |
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 | 505 | $38,832,000 | $76,000 | $1,600,000 | $135,000 | $9,999,000 |
| Black or African American | 223 | $6,894,000 | $30,000 | $448,000 | $56,000 | $1,604,000 |
| Not applicable | 94 | $32,538,000 | $346,000 | $3,580,000 | $0 | $0 |
| Hispanic | 6 | $127,000 | $21,000 | $47,000 | $21,000 | $54,000 |
| Asian | 6 | $459,000 | $76,000 | $262,000 | $61,000 | $161,000 |
| Not Provided | 3 | $114,000 | $38,000 | $59,000 | $10,000 | $31,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $88,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $33,000 | $33,000 | $33,000 | $160,000 | $160,000 |
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) | 838 | $78,963,000 | $94,000 | $3,580,000 | $97,000 | $9,999,000 |
| VA-guaranteed (Veterans Administration) | 1 | $36,000 | $36,000 | $36,000 | $33,000 | $33,000 |
| 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 |
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 | 623 | $64,797,000 | $104,000 | $3,580,000 | $109,000 | $9,999,000 |
| Application Denied By Financial Institution | 145 | $5,511,000 | $38,000 | $350,000 | $44,000 | $257,000 |
| Application Approved But Not Accepted | 53 | $6,808,000 | $128,000 | $1,600,000 | $95,000 | $950,000 |
| File Closed For Incompleteness | 11 | $975,000 | $88,000 | $262,000 | $97,000 | $195,000 |
| Application Withdrawn By Applicant | 4 | $567,000 | $141,000 | $320,000 | $103,000 | $127,000 |
| Preapproval Denied by Financial Institution | 3 | $341,000 | $113,000 | $180,000 | $197,000 | $535,000 |
| 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 2011 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