State Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, State Bank & Trust Company of Brookhaven, MS reported 988 mortgage applications totaling $100.4 million, up 19% from 2012. The average application was for $101,595, and applicants reported an average income of $93,097. 80% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Baton Rouge, LA (123), Jackson, MS (73) and New Orleans-Metairie-Kenner, LA (63) (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 | 988 |
| Total Mortgage Loan Application Amount | $100,376,000 |
| Average Mortgage Loan Application Amount | $101,595 |
| Highest Mortgage Loan Application Amount | $4,924,000 |
| Average Applicant Income | $93,097 |
| Highest Applicant Income | $1,510,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 133 | $ 5,751,000 | $ 43,240 | $ 74,000 |
| Pike, Mississippi | 71 | $ 7,216,000 | $ 101,633 | $ 70,000 |
| Pointe Coupee, Louisiana | 61 | $ 3,155,000 | $ 51,721 | $ 59,000 |
| Lawrence, Mississippi | 59 | $ 2,644,000 | $ 44,813 | $ 70,000 |
| Claiborne, Mississippi | 47 | $ 1,077,000 | $ 22,914 | $ 43,000 |
| Orleans, Louisiana | 46 | $ 15,185,000 | $ 330,108 | $ 107,000 |
| Marion, Mississippi | 46 | $ 2,568,000 | $ 55,826 | $ 69,000 |
| Leflore, Mississippi | 45 | $ 1,644,000 | $ 36,533 | $ 57,000 |
| Grenada, Mississippi | 39 | $ 1,332,000 | $ 34,153 | $ 65,000 |
| Geneva, Alabama | 38 | $ 1,550,000 | $ 40,789 | $ 52,000 |
| Bolivar, Mississippi | 35 | $ 1,776,000 | $ 50,742 | $ 44,000 |
| East Baton Rouge, Louisiana | 31 | $ 10,101,000 | $ 325,838 | $ 75,000 |
| Hinds, Mississippi | 24 | $ 1,556,000 | $ 64,833 | $ 311,000 |
| Houston, Alabama | 19 | $ 2,779,000 | $ 146,263 | $ 253,000 |
| Tangipahoa, Louisiana | 19 | $ 13,083,000 | $ 688,578 | $ 78,000 |
| Madison, Mississippi | 18 | $ 3,119,000 | $ 173,277 | $ 437,000 |
| Livingston, Louisiana | 17 | $ 1,706,000 | $ 100,352 | $ 47,000 |
| Rankin, Mississippi | 17 | $ 1,602,000 | $ 94,235 | $ 426,000 |
| Jefferson, Mississippi | 16 | $ 134,000 | $ 8,375 | $ 20,000 |
| Coffee, Alabama | 15 | $ 4,049,000 | $ 269,933 | $ 97,000 |
| St. Tammany, Louisiana | 13 | $ 2,597,000 | $ 199,769 | $ 201,000 |
| Copiah, Mississippi | 13 | $ 428,000 | $ 32,923 | $ 58,000 |
| Amite, Mississippi | 12 | $ 528,000 | $ 44,000 | $ 49,000 |
| Carroll, Mississippi | 12 | $ 648,000 | $ 54,000 | $ 79,000 |
| Mobile, Alabama | 10 | $ 1,251,000 | $ 125,100 | $ 79,000 |
| Sunflower, Mississippi | 10 | $ 578,000 | $ 57,800 | $ 32,000 |
| Walthall, Mississippi | 9 | $ 565,000 | $ 62,777 | $ 121,000 |
| Tallahatchie, Mississippi | 7 | $ 351,000 | $ 50,142 | $ 67,000 |
| Holmes, Florida | 6 | $ 214,000 | $ 35,666 | $ 36,000 |
| Ascension, Louisiana | 6 | $ 789,000 | $ 131,500 | $ 160,000 |
| Forrest, Mississippi | 6 | $ 630,000 | $ 105,000 | $ 31,000 |
| Harrison, Mississippi | 6 | $ 611,000 | $ 101,833 | $ 32,000 |
| Lamar, Mississippi | 5 | $ 452,000 | $ 90,400 | $ 77,000 |
| Montgomery, Mississippi | 5 | $ 135,000 | $ 27,000 | $ 28,000 |
| Jefferson Davis, Mississippi | 4 | $ 200,000 | $ 50,000 | $ 58,000 |
| Baldwin, Alabama | 3 | $ 581,000 | $ 193,666 | $ 222,000 |
| Dale, Alabama | 3 | $ 344,000 | $ 114,666 | $ 81,000 |
| Walton, Florida | 3 | $ 1,032,000 | $ 344,000 | $ 86,000 |
| Acadia, Louisiana | 3 | $ 102,000 | $ 34,000 | $ 63,000 |
| St. Landry, Louisiana | 3 | $ 161,000 | $ 53,666 | $ 95,000 |
| West Baton Rouge, Louisiana | 3 | $ 327,000 | $ 109,000 | $ 53,000 |
| Washington, Mississippi | 3 | $ 11,000 | $ 3,666 | $ 0 |
| Jackson, Florida | 2 | $ 570,000 | $ 285,000 | $ 72,000 |
| Okaloosa, Florida | 2 | $ 442,000 | $ 221,000 | $ 116,000 |
| Iberville, Louisiana | 2 | $ 114,000 | $ 57,000 | $ 67,000 |
| Jefferson, Louisiana | 2 | $ 257,000 | $ 128,500 | $ 0 |
| Lafourche, Louisiana | 2 | $ 195,000 | $ 97,500 | $ 86,000 |
| St. Bernard, Louisiana | 2 | $ 935,000 | $ 467,500 | $ 0 |
| West Feliciana, Louisiana | 2 | $ 434,000 | $ 217,000 | $ 211,000 |
| Franklin, Mississippi | 2 | $ 79,000 | $ 39,500 | $ 44,000 |
| Holmes, Mississippi | 2 | $ 15,000 | $ 7,500 | $ 36,000 |
| Lafayette, Mississippi | 2 | $ 40,000 | $ 20,000 | $ 111,000 |
| Oktibbeha, Mississippi | 2 | $ 605,000 | $ 302,500 | $ 168,000 |
| Yalobusha, Mississippi | 2 | $ 25,000 | $ 12,500 | $ 37,000 |
| Montgomery, Alabama | 1 | $ 122,000 | $ 122,000 | $ 53,000 |
| Tuscaloosa, Alabama | 1 | $ 89,000 | $ 89,000 | $ 128,000 |
| Bay, Florida | 1 | $ 114,000 | $ 114,000 | $ 592,000 |
| Escambia, Florida | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| East Feliciana, Louisiana | 1 | $ 53,000 | $ 53,000 | $ 74,000 |
| Evangeline, Louisiana | 1 | $ 2,000 | $ 2,000 | $ 120,000 |
| Jefferson Davis, Louisiana | 1 | $ 18,000 | $ 18,000 | $ 465,000 |
| Washington, Louisiana | 1 | $ 39,000 | $ 39,000 | $ 43,000 |
| Adams, Mississippi | 1 | $ 366,000 | $ 366,000 | $ 108,000 |
| Clarke, Mississippi | 1 | $ 30,000 | $ 30,000 | $ 137,000 |
| Clay, Mississippi | 1 | $ 288,000 | $ 288,000 | $ 721,000 |
| Coahoma, Mississippi | 1 | $ 17,000 | $ 17,000 | $ 18,000 |
| Humphreys, Mississippi | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Jones, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Scott, Mississippi | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Simpson, Mississippi | 1 | $ 76,000 | $ 76,000 | $ 394,000 |
| Stone, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Warren, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 45,000 |
| Wilkinson, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 453,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2013
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 | 390 | $61,840,000 | $158,000 | $4,924,000 | $130,000 | $1,510,000 |
| Home Improvement | 330 | $9,360,000 | $28,000 | $750,000 | $52,000 | $1,217,000 |
| Home Purchase | 268 | $29,176,000 | $108,000 | $2,100,000 | $90,000 | $1,140,000 |
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 | 605 | $45,622,000 | $75,000 | $581,000 | $130,000 | $1,510,000 |
| Black or African American | 236 | $7,013,000 | $29,000 | $452,000 | $48,000 | $671,000 |
| Not applicable | 123 | $44,588,000 | $362,000 | $4,924,000 | $0 | $0 |
| Hispanic | 10 | $572,000 | $57,000 | $173,000 | $64,000 | $172,000 |
| Not Provided | 6 | $708,000 | $118,000 | $200,000 | $106,000 | $201,000 |
| Asian | 4 | $1,523,000 | $380,000 | $1,000,000 | $185,000 | $522,000 |
| American Indian or Alaskan Native | 2 | $51,000 | $25,000 | $36,000 | $13,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $299,000 | $149,000 | $216,000 | $171,000 | $173,000 |
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) | 988 | $100,376,000 | $101,000 | $4,924,000 | $93,000 | $1,510,000 |
| 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 | 794 | $87,883,000 | $110,000 | $4,924,000 | $102,000 | $1,510,000 |
| Application Denied By Financial Institution | 128 | $4,702,000 | $36,000 | $311,000 | $51,000 | $600,000 |
| Application Approved But Not Accepted | 57 | $6,524,000 | $114,000 | $2,100,000 | $72,000 | $290,000 |
| File Closed For Incompleteness | 7 | $392,000 | $56,000 | $129,000 | $42,000 | $71,000 |
| Application Withdrawn By Applicant | 2 | $875,000 | $437,000 | $581,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 2013 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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