State Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, State Bank & Trust Company of Brookhaven, MS reported 882 mortgage applications totaling $100.4 million, down 11% from 2013. The average application was for $113,823, and applicants reported an average income of $94,379. 76% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Baton Rouge, LA (119), Jackson, MS (77) and New Orleans-Metairie, LA (53) (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 | 882 |
| Total Mortgage Loan Application Amount | $100,392,000 |
| Average Mortgage Loan Application Amount | $113,823 |
| Highest Mortgage Loan Application Amount | $10,700,000 |
| Average Applicant Income | $94,379 |
| 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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 122 | $ 7,157,000 | $ 58,663 | $ 85,000 |
| Pike, Mississippi | 62 | $ 4,386,000 | $ 70,741 | $ 85,000 |
| Lawrence, Mississippi | 55 | $ 2,922,000 | $ 53,127 | $ 69,000 |
| Pointe Coupee, Louisiana | 54 | $ 4,298,000 | $ 79,592 | $ 58,000 |
| Marion, Mississippi | 50 | $ 2,750,000 | $ 55,000 | $ 79,000 |
| Hinds, Mississippi | 37 | $ 2,301,000 | $ 62,189 | $ 200,000 |
| Orleans, Louisiana | 36 | $ 15,329,000 | $ 425,805 | $ 58,000 |
| Bolivar, Mississippi | 36 | $ 918,000 | $ 25,500 | $ 49,000 |
| Geneva, Alabama | 34 | $ 1,501,000 | $ 44,147 | $ 57,000 |
| Leflore, Mississippi | 34 | $ 536,000 | $ 15,764 | $ 53,000 |
| Claiborne, Mississippi | 33 | $ 478,000 | $ 14,484 | $ 24,000 |
| East Baton Rouge, Louisiana | 32 | $ 16,447,000 | $ 513,968 | $ 427,000 |
| Grenada, Mississippi | 28 | $ 1,224,000 | $ 43,714 | $ 53,000 |
| Livingston, Louisiana | 21 | $ 1,276,000 | $ 60,761 | $ 23,000 |
| Tangipahoa, Louisiana | 19 | $ 12,747,000 | $ 670,894 | $ 44,000 |
| Madison, Mississippi | 19 | $ 2,046,000 | $ 107,684 | $ 213,000 |
| St. Tammany, Louisiana | 14 | $ 2,039,000 | $ 145,642 | $ 69,000 |
| Coffee, Alabama | 13 | $ 1,572,000 | $ 120,923 | $ 136,000 |
| Mobile, Alabama | 13 | $ 2,558,000 | $ 196,769 | $ 148,000 |
| Copiah, Mississippi | 13 | $ 708,000 | $ 54,461 | $ 24,000 |
| Walthall, Mississippi | 12 | $ 829,000 | $ 69,083 | $ 93,000 |
| Houston, Alabama | 11 | $ 3,432,000 | $ 312,000 | $ 177,000 |
| Amite, Mississippi | 10 | $ 360,000 | $ 36,000 | $ 56,000 |
| Holmes, Florida | 9 | $ 304,000 | $ 33,777 | $ 37,000 |
| Carroll, Mississippi | 7 | $ 416,000 | $ 59,428 | $ 41,000 |
| Lamar, Mississippi | 7 | $ 995,000 | $ 142,142 | $ 88,000 |
| Jefferson, Mississippi | 6 | $ 96,000 | $ 16,000 | $ 53,000 |
| Dale, Alabama | 5 | $ 160,000 | $ 32,000 | $ 39,000 |
| Ascension, Louisiana | 5 | $ 863,000 | $ 172,600 | $ 36,000 |
| Rankin, Mississippi | 5 | $ 423,000 | $ 84,600 | $ 365,000 |
| Walton, Florida | 4 | $ 603,000 | $ 150,750 | $ 190,000 |
| Franklin, Mississippi | 4 | $ 270,000 | $ 67,500 | $ 59,000 |
| Holmes, Mississippi | 4 | $ 58,000 | $ 14,500 | $ 80,000 |
| Sunflower, Mississippi | 4 | $ 151,000 | $ 37,750 | $ 35,000 |
| Evangeline, Louisiana | 3 | $ 165,000 | $ 55,000 | $ 142,000 |
| Iberville, Louisiana | 3 | $ 79,000 | $ 26,333 | $ 61,000 |
| St. Landry, Louisiana | 3 | $ 96,000 | $ 32,000 | $ 113,000 |
| West Baton Rouge, Louisiana | 3 | $ 618,000 | $ 206,000 | $ 113,000 |
| Hancock, Mississippi | 3 | $ 596,000 | $ 198,666 | $ 93,000 |
| Montgomery, Mississippi | 3 | $ 146,000 | $ 48,666 | $ 0 |
| Yalobusha, Mississippi | 3 | $ 342,000 | $ 114,000 | $ 151,000 |
| Bay, Florida | 2 | $ 304,000 | $ 152,000 | $ 441,000 |
| Acadia, Louisiana | 2 | $ 62,000 | $ 31,000 | $ 39,000 |
| Jefferson, Louisiana | 2 | $ 667,000 | $ 333,500 | $ 41,000 |
| Forrest, Mississippi | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Jefferson Davis, Mississippi | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Simpson, Mississippi | 2 | $ 10,000 | $ 5,000 | $ 27,000 |
| Tallahatchie, Mississippi | 2 | $ 20,000 | $ 10,000 | $ 66,000 |
| Washington, Mississippi | 2 | $ 41,000 | $ 20,500 | $ 209,000 |
| Baldwin, Alabama | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Barbour, Alabama | 1 | $ 327,000 | $ 327,000 | $ 121,000 |
| Tuscaloosa, Alabama | 1 | $ 200,000 | $ 200,000 | $ 182,000 |
| Broward, Florida | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 210,000 | $ 210,000 | $ 210,000 |
| Decatur, Georgia | 1 | $ 158,000 | $ 158,000 | $ 196,000 |
| Bienville, Louisiana | 1 | $ 158,000 | $ 158,000 | $ 78,000 |
| Concordia, Louisiana | 1 | $ 31,000 | $ 31,000 | $ 34,000 |
| Lafayette, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Natchitoches, Louisiana | 1 | $ 184,000 | $ 184,000 | $ 0 |
| St. Bernard, Louisiana | 1 | $ 82,000 | $ 82,000 | $ 10,000 |
| St. Mary, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| West Feliciana, Louisiana | 1 | $ 375,000 | $ 375,000 | $ 43,000 |
| Adams, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 218,000 |
| Benton, Mississippi | 1 | $ 228,000 | $ 228,000 | $ 45,000 |
| Calhoun, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 71,000 |
| DeSoto, Mississippi | 1 | $ 778,000 | $ 778,000 | $ 0 |
| Humphreys, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 16,000 |
| Lafayette, Mississippi | 1 | $ 729,000 | $ 729,000 | $ 866,000 |
| Pearl River, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
| Smith, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Stone, Mississippi | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Warren, Mississippi | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Winston, Mississippi | 1 | $ 46,000 | $ 46,000 | $ 456,000 |
| Yazoo, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 11,000 |
| Montgomery, Texas | 1 | $ 250,000 | $ 250,000 | $ 0 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2014
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 329 | $12,538,000 | $38,000 | $2,000,000 | $52,000 | $430,000 |
| Refinancing | 289 | $44,858,000 | $155,000 | $6,659,000 | $111,000 | $1,488,000 |
| Home Purchase | 264 | $42,996,000 | $162,000 | $10,700,000 | $129,000 | $9,999,000 |
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 | 538 | $47,880,000 | $88,000 | $1,747,000 | $135,000 | $9,999,000 |
| Black or African American | 207 | $4,563,000 | $22,000 | $444,000 | $43,000 | $369,000 |
| Not applicable | 116 | $46,543,000 | $401,000 | $10,700,000 | $0 | $0 |
| Hispanic | 7 | $277,000 | $39,000 | $144,000 | $43,000 | $73,000 |
| Asian | 5 | $466,000 | $93,000 | $185,000 | $124,000 | $218,000 |
| Not Provided | 5 | $417,000 | $83,000 | $182,000 | $151,000 | $267,000 |
| American Indian or Alaskan Native | 3 | $54,000 | $18,000 | $32,000 | $24,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $192,000 | $192,000 | $192,000 | $74,000 | $74,000 |
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) | 882 | $100,392,000 | $113,000 | $10,700,000 | $94,000 | $9,999,000 |
| 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 | 668 | $77,205,000 | $115,000 | $10,700,000 | $104,000 | $9,999,000 |
| Application Denied By Financial Institution | 143 | $15,143,000 | $105,000 | $6,659,000 | $54,000 | $784,000 |
| Application Approved But Not Accepted | 63 | $7,610,000 | $120,000 | $1,580,000 | $85,000 | $511,000 |
| File Closed For Incompleteness | 7 | $422,000 | $60,000 | $122,000 | $52,000 | $112,000 |
| Application Withdrawn By Applicant | 1 | $12,000 | $12,000 | $12,000 | $18,000 | $18,000 |
| 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 2014 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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