State Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, State Bank & Trust Company of Brookhaven, MS reported 828 mortgage applications totaling $64.0 million, down 1% from 2011. The average application was for $77,350, and applicants reported an average income of $102,513. 75% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Baton Rouge, LA (116), Jackson, MS (69) and Dothan, AL (27) (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 | 828 |
| Total Mortgage Loan Application Amount | $64,046,000 |
| Average Mortgage Loan Application Amount | $77,350 |
| Highest Mortgage Loan Application Amount | $1,734,000 |
| Average Applicant Income | $102,513 |
| Highest Applicant Income | $4,182,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 122 | $ 5,827,000 | $ 47,762 | $ 80,000 |
| Pike, Mississippi | 76 | $ 5,261,000 | $ 69,223 | $ 94,000 |
| Lawrence, Mississippi | 48 | $ 1,905,000 | $ 39,687 | $ 68,000 |
| Bolivar, Mississippi | 47 | $ 1,569,000 | $ 33,382 | $ 48,000 |
| Leflore, Mississippi | 41 | $ 1,565,000 | $ 38,170 | $ 45,000 |
| Pointe Coupee, Louisiana | 40 | $ 2,978,000 | $ 74,450 | $ 122,000 |
| Claiborne, Mississippi | 39 | $ 882,000 | $ 22,615 | $ 22,000 |
| East Baton Rouge, Louisiana | 35 | $ 5,275,000 | $ 150,714 | $ 154,000 |
| Grenada, Mississippi | 34 | $ 1,478,000 | $ 43,470 | $ 71,000 |
| Marion, Mississippi | 33 | $ 1,952,000 | $ 59,151 | $ 73,000 |
| Hinds, Mississippi | 31 | $ 1,776,000 | $ 57,290 | $ 496,000 |
| Geneva, Alabama | 21 | $ 1,070,000 | $ 50,952 | $ 39,000 |
| Livingston, Louisiana | 19 | $ 3,874,000 | $ 203,894 | $ 130,000 |
| Tangipahoa, Louisiana | 18 | $ 4,014,000 | $ 223,000 | $ 41,000 |
| Madison, Mississippi | 17 | $ 1,763,000 | $ 103,705 | $ 150,000 |
| Jefferson, Mississippi | 15 | $ 519,000 | $ 34,600 | $ 66,000 |
| Carroll, Mississippi | 13 | $ 661,000 | $ 50,846 | $ 81,000 |
| St. Tammany, Louisiana | 12 | $ 1,719,000 | $ 143,250 | $ 73,000 |
| Copiah, Mississippi | 12 | $ 670,000 | $ 55,833 | $ 67,000 |
| Orleans, Louisiana | 11 | $ 2,622,000 | $ 238,363 | $ 82,000 |
| Montgomery, Mississippi | 10 | $ 296,000 | $ 29,600 | $ 44,000 |
| Rankin, Mississippi | 8 | $ 461,000 | $ 57,625 | $ 31,000 |
| Sunflower, Mississippi | 8 | $ 179,000 | $ 22,375 | $ 34,000 |
| Ascension, Louisiana | 7 | $ 892,000 | $ 127,428 | $ 62,000 |
| West Baton Rouge, Louisiana | 7 | $ 1,570,000 | $ 224,285 | $ 23,000 |
| Amite, Mississippi | 7 | $ 594,000 | $ 84,857 | $ 84,000 |
| Forrest, Mississippi | 7 | $ 504,000 | $ 72,000 | $ 18,000 |
| Walthall, Mississippi | 7 | $ 546,000 | $ 78,000 | $ 65,000 |
| Houston, Alabama | 6 | $ 2,155,000 | $ 359,166 | $ 371,000 |
| Lafayette, Mississippi | 6 | $ 492,000 | $ 82,000 | $ 208,000 |
| Holmes, Florida | 5 | $ 122,000 | $ 24,400 | $ 56,000 |
| Coffee, Alabama | 4 | $ 293,000 | $ 73,250 | $ 211,000 |
| Walton, Florida | 3 | $ 378,000 | $ 126,000 | $ 46,000 |
| Iberville, Louisiana | 3 | $ 126,000 | $ 42,000 | $ 51,000 |
| St. Helena, Louisiana | 3 | $ 137,000 | $ 45,666 | $ 71,000 |
| St. Landry, Louisiana | 3 | $ 344,000 | $ 114,666 | $ 50,000 |
| Lamar, Mississippi | 3 | $ 390,000 | $ 130,000 | $ 136,000 |
| Tallahatchie, Mississippi | 3 | $ 49,000 | $ 16,333 | $ 38,000 |
| Yalobusha, Mississippi | 3 | $ 202,000 | $ 67,333 | $ 53,000 |
| Baldwin, Alabama | 2 | $ 196,000 | $ 98,000 | $ 590,000 |
| Tallapoosa, Alabama | 2 | $ 396,000 | $ 198,000 | $ 184,000 |
| Bay, Florida | 2 | $ 149,000 | $ 74,500 | $ 154,000 |
| St. Martin, Louisiana | 2 | $ 45,000 | $ 22,500 | $ 92,000 |
| West Feliciana, Louisiana | 2 | $ 667,000 | $ 333,500 | $ 191,000 |
| Franklin, Mississippi | 2 | $ 62,000 | $ 31,000 | $ 50,000 |
| Holmes, Mississippi | 2 | $ 22,000 | $ 11,000 | $ 26,000 |
| Jefferson Davis, Mississippi | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| Warren, Mississippi | 2 | $ 53,000 | $ 26,500 | $ 47,000 |
| Dale, Alabama | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Hot Spring, Arkansas | 1 | $ 44,000 | $ 44,000 | $ 120,000 |
| Phillips, Arkansas | 1 | $ 342,000 | $ 342,000 | $ 4,182,000 |
| Decatur, Georgia | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Concordia, Louisiana | 1 | $ 88,000 | $ 88,000 | $ 277,000 |
| Evangeline, Louisiana | 1 | $ 24,000 | $ 24,000 | $ 97,000 |
| Jefferson, Louisiana | 1 | $ 183,000 | $ 183,000 | $ 0 |
| St. Bernard, Louisiana | 1 | $ 372,000 | $ 372,000 | $ 798,000 |
| Washington, Louisiana | 1 | $ 41,000 | $ 41,000 | $ 53,000 |
| DeSoto, Mississippi | 1 | $ 1,011,000 | $ 1,011,000 | $ 0 |
| Jackson, Mississippi | 1 | $ 1,435,000 | $ 1,435,000 | $ 0 |
| Lauderdale, Mississippi | 1 | $ 9,000 | $ 9,000 | $ 49,000 |
| Oktibbeha, Mississippi | 1 | $ 23,000 | $ 23,000 | $ 49,000 |
| Panola, Mississippi | 1 | $ 449,000 | $ 449,000 | $ 98,000 |
| Perry, Mississippi | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Simpson, Mississippi | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Stone, Mississippi | 1 | $ 69,000 | $ 69,000 | $ 55,000 |
| Washington, Mississippi | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 261,000 | $ 261,000 | $ 241,000 |
| Shelby, Tennessee | 1 | $ 139,000 | $ 139,000 | $ 412,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2012
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 | 343 | $37,704,000 | $109,000 | $1,734,000 | $96,000 | $1,719,000 |
| Home Improvement | 266 | $4,038,000 | $15,000 | $142,000 | $43,000 | $521,000 |
| Home Purchase | 219 | $22,304,000 | $101,000 | $1,600,000 | $185,000 | $4,182,000 |
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 | 498 | $37,444,000 | $75,000 | $1,600,000 | $146,000 | $4,182,000 |
| Black or African American | 227 | $6,706,000 | $29,000 | $324,000 | $50,000 | $521,000 |
| Not applicable | 87 | $19,122,000 | $219,000 | $1,734,000 | $0 | $0 |
| Not Provided | 8 | $194,000 | $24,000 | $47,000 | $55,000 | $84,000 |
| Hispanic | 5 | $221,000 | $44,000 | $68,000 | $64,000 | $123,000 |
| Asian | 3 | $359,000 | $119,000 | $176,000 | $80,000 | $184,000 |
| American Indian or Alaskan Native | 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) | 828 | $64,046,000 | $77,000 | $1,734,000 | $102,000 | $4,182,000 |
| 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 | 625 | $52,804,000 | $84,000 | $1,734,000 | $116,000 | $4,182,000 |
| Application Denied By Financial Institution | 137 | $5,975,000 | $43,000 | $378,000 | $50,000 | $521,000 |
| Application Approved But Not Accepted | 54 | $4,566,000 | $84,000 | $400,000 | $90,000 | $784,000 |
| File Closed For Incompleteness | 8 | $459,000 | $57,000 | $170,000 | $83,000 | $150,000 |
| Application Withdrawn By Applicant | 3 | $80,000 | $26,000 | $36,000 | $56,000 | $95,000 |
| Loan Purchased By The Institution | 1 | $162,000 | $162,000 | $162,000 | $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 |
|---|---|---|---|---|---|---|
| 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 2012 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.
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with aggregated HMDA statistics today.
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