State Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, State Bank & Trust Company of Brookhaven, MS reported 788 mortgage applications totaling $89.9 million, down 11% from 2014. The average application was for $114,040, and applicants reported an average income of $76,553. 74% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Baton Rouge, LA (82), Jackson, MS (69) and New Orleans-Metairie, LA (47) (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 | 788 |
| Total Mortgage Loan Application Amount | $89,864,000 |
| Average Mortgage Loan Application Amount | $114,040 |
| Highest Mortgage Loan Application Amount | $13,680,000 |
| Average Applicant Income | $76,553 |
| Highest Applicant Income | $7,892,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 6,931,000 | $ 54,148 | $ 68,000 |
| Pike, Mississippi | 52 | $ 4,094,000 | $ 78,730 | $ 63,000 |
| Marion, Mississippi | 45 | $ 2,674,000 | $ 59,422 | $ 83,000 |
| Lawrence, Mississippi | 42 | $ 1,908,000 | $ 45,428 | $ 64,000 |
| Bolivar, Mississippi | 39 | $ 805,000 | $ 20,641 | $ 85,000 |
| Hinds, Mississippi | 34 | $ 2,479,000 | $ 72,911 | $ 44,000 |
| Geneva, Alabama | 33 | $ 1,377,000 | $ 41,727 | $ 49,000 |
| Pointe Coupee, Louisiana | 32 | $ 2,452,000 | $ 76,625 | $ 84,000 |
| Claiborne, Mississippi | 30 | $ 424,000 | $ 14,133 | $ 35,000 |
| Grenada, Mississippi | 30 | $ 2,125,000 | $ 70,833 | $ 59,000 |
| Leflore, Mississippi | 30 | $ 620,000 | $ 20,666 | $ 33,000 |
| Orleans, Louisiana | 24 | $ 6,835,000 | $ 284,791 | $ 49,000 |
| Livingston, Louisiana | 21 | $ 1,632,000 | $ 77,714 | $ 45,000 |
| East Baton Rouge, Louisiana | 20 | $ 20,401,000 | $ 1,020,050 | $ 44,000 |
| Coffee, Alabama | 19 | $ 2,683,000 | $ 141,210 | $ 143,000 |
| Tangipahoa, Louisiana | 18 | $ 6,645,000 | $ 369,166 | $ 41,000 |
| St. Tammany, Louisiana | 15 | $ 2,098,000 | $ 139,866 | $ 76,000 |
| Copiah, Mississippi | 12 | $ 431,000 | $ 35,916 | $ 73,000 |
| Rankin, Mississippi | 12 | $ 759,000 | $ 63,250 | $ 71,000 |
| Houston, Alabama | 10 | $ 1,371,000 | $ 137,100 | $ 84,000 |
| Carroll, Mississippi | 10 | $ 489,000 | $ 48,900 | $ 44,000 |
| Madison, Mississippi | 9 | $ 1,081,000 | $ 120,111 | $ 39,000 |
| Lamar, Mississippi | 8 | $ 1,806,000 | $ 225,750 | $ 149,000 |
| Walton, Florida | 7 | $ 4,450,000 | $ 635,714 | $ 229,000 |
| Jefferson, Louisiana | 7 | $ 864,000 | $ 123,428 | $ 44,000 |
| Amite, Mississippi | 7 | $ 297,000 | $ 42,428 | $ 59,000 |
| Walthall, Mississippi | 7 | $ 577,000 | $ 82,428 | $ 68,000 |
| Baldwin, Alabama | 6 | $ 3,089,000 | $ 514,833 | $ 1,475,000 |
| Ascension, Louisiana | 5 | $ 587,000 | $ 117,400 | $ 82,000 |
| Franklin, Mississippi | 5 | $ 432,000 | $ 86,400 | $ 97,000 |
| Holmes, Florida | 4 | $ 51,000 | $ 12,750 | $ 100,000 |
| Harrison, Mississippi | 4 | $ 888,000 | $ 222,000 | $ 49,000 |
| Jefferson Davis, Mississippi | 4 | $ 185,000 | $ 46,250 | $ 48,000 |
| Dale, Alabama | 3 | $ 160,000 | $ 53,333 | $ 28,000 |
| Mobile, Alabama | 3 | $ 197,000 | $ 65,666 | $ 18,000 |
| Bay, Florida | 3 | $ 390,000 | $ 130,000 | $ 136,000 |
| Decatur, Georgia | 3 | $ 672,000 | $ 224,000 | $ 93,000 |
| St. Landry, Louisiana | 3 | $ 171,000 | $ 57,000 | $ 106,000 |
| Sunflower, Mississippi | 3 | $ 26,000 | $ 8,666 | $ 51,000 |
| Tallahatchie, Mississippi | 3 | $ 62,000 | $ 20,666 | $ 52,000 |
| Jefferson, Alabama | 2 | $ 334,000 | $ 167,000 | $ 49,000 |
| Iberville, Louisiana | 2 | $ 359,000 | $ 179,500 | $ 96,000 |
| West Baton Rouge, Louisiana | 2 | $ 99,000 | $ 49,500 | $ 48,000 |
| Jefferson, Mississippi | 2 | $ 10,000 | $ 5,000 | $ 10,000 |
| Lafayette, Mississippi | 2 | $ 321,000 | $ 160,500 | $ 147,000 |
| Warren, Mississippi | 2 | $ 74,000 | $ 37,000 | $ 71,000 |
| Washington, Mississippi | 2 | $ 8,000 | $ 4,000 | $ 82,000 |
| Covington, Alabama | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Henry, Alabama | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Lee, Alabama | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Pike, Alabama | 1 | $ 52,000 | $ 52,000 | $ 74,000 |
| Tallapoosa, Alabama | 1 | $ 122,000 | $ 122,000 | $ 180,000 |
| Escambia, Florida | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 1,071,000 | $ 1,071,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 417,000 | $ 417,000 | $ 85,000 |
| Baker, Georgia | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 191,000 | $ 191,000 | $ 81,000 |
| St. Bernard, Louisiana | 1 | $ 6,000 | $ 6,000 | $ 85,000 |
| Washington, Louisiana | 1 | $ 270,000 | $ 270,000 | $ 49,000 |
| DeSoto, Mississippi | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Forrest, Mississippi | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 71,000 |
| Holmes, Mississippi | 1 | $ 8,000 | $ 8,000 | $ 110,000 |
| Montgomery, Mississippi | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Oktibbeha, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pearl River, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 38,000 |
| Simpson, Mississippi | 1 | $ 9,000 | $ 9,000 | $ 80,000 |
| Tate, Mississippi | 1 | $ 161,000 | $ 161,000 | $ 112,000 |
| Yazoo, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 27,000 |
| Blount, Tennessee | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2015
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 | 294 | $21,681,000 | $73,000 | $13,680,000 | $56,000 | $734,000 |
| Home Purchase | 293 | $39,651,000 | $135,000 | $4,850,000 | $66,000 | $1,087,000 |
| Refinancing | 201 | $28,532,000 | $141,000 | $4,210,000 | $122,000 | $7,892,000 |
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 | 473 | $39,234,000 | $82,000 | $2,341,000 | $105,000 | $7,892,000 |
| Black or African American | 184 | $4,245,000 | $23,000 | $187,000 | $53,000 | $576,000 |
| Not applicable | 112 | $45,241,000 | $403,000 | $13,680,000 | $0 | $0 |
| Hispanic | 8 | $298,000 | $37,000 | $76,000 | $55,000 | $109,000 |
| Asian | 5 | $269,000 | $53,000 | $126,000 | $40,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $313,000 | $104,000 | $168,000 | $65,000 | $91,000 |
| Not Provided | 3 | $264,000 | $88,000 | $206,000 | $88,000 | $103,000 |
| American Indian or Alaskan Native | 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) | 788 | $89,864,000 | $114,000 | $13,680,000 | $77,000 | $7,892,000 |
| 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 | 581 | $77,271,000 | $132,000 | $13,680,000 | $85,000 | $7,892,000 |
| Application Denied By Financial Institution | 138 | $6,328,000 | $45,000 | $933,000 | $52,000 | $385,000 |
| Application Approved But Not Accepted | 58 | $5,176,000 | $89,000 | $1,250,000 | $57,000 | $279,000 |
| File Closed For Incompleteness | 8 | $904,000 | $113,000 | $322,000 | $53,000 | $114,000 |
| Application Withdrawn By Applicant | 3 | $185,000 | $61,000 | $111,000 | $86,000 | $190,000 |
| 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 2015 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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