State Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, State Bank & Trust Company of Brookhaven, MS reported 597 mortgage applications totaling $86.9 million, down 26% from 2017. The average application was for $145,485, and applicants reported an average income of $95,132. 69% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Baton Rouge, LA (115), Jackson, MS (57) 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 | 597 |
| Total Mortgage Loan Application Amount | $86,855,000 |
| Average Mortgage Loan Application Amount | $145,485 |
| Highest Mortgage Loan Application Amount | $2,965,000 |
| Average Applicant Income | $95,132 |
| Highest Applicant Income | $1,249,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 66 | $ 3,390,000 | $ 51,363 | $ 76,000 |
| Pike, Mississippi | 43 | $ 3,565,000 | $ 82,906 | $ 89,000 |
| Marion, Mississippi | 38 | $ 2,660,000 | $ 70,000 | $ 75,000 |
| East Baton Rouge, Louisiana | 36 | $ 8,720,000 | $ 242,222 | $ 357,000 |
| Orleans, Louisiana | 31 | $ 17,305,000 | $ 558,225 | $ 255,000 |
| Livingston, Louisiana | 30 | $ 5,310,000 | $ 177,000 | $ 107,000 |
| Pointe Coupee, Louisiana | 30 | $ 2,150,000 | $ 71,666 | $ 73,000 |
| Hinds, Mississippi | 24 | $ 2,090,000 | $ 87,083 | $ 74,000 |
| Grenada, Mississippi | 22 | $ 910,000 | $ 41,363 | $ 39,000 |
| Madison, Mississippi | 20 | $ 4,830,000 | $ 241,500 | $ 370,000 |
| Leflore, Mississippi | 19 | $ 865,000 | $ 45,526 | $ 53,000 |
| St. Tammany, Louisiana | 18 | $ 4,400,000 | $ 244,444 | $ 180,000 |
| Geneva, Alabama | 17 | $ 1,005,000 | $ 59,117 | $ 65,000 |
| Lawrence, Mississippi | 17 | $ 955,000 | $ 56,176 | $ 56,000 |
| Tangipahoa, Louisiana | 16 | $ 4,670,000 | $ 291,875 | $ 54,000 |
| Bolivar, Mississippi | 16 | $ 1,190,000 | $ 74,375 | $ 86,000 |
| Coffee, Alabama | 13 | $ 995,000 | $ 76,538 | $ 75,000 |
| Houston, Alabama | 11 | $ 1,725,000 | $ 156,818 | $ 148,000 |
| Ascension, Louisiana | 11 | $ 1,655,000 | $ 150,454 | $ 31,000 |
| Carroll, Mississippi | 10 | $ 690,000 | $ 69,000 | $ 58,000 |
| Rankin, Mississippi | 8 | $ 460,000 | $ 57,500 | $ 72,000 |
| Claiborne, Mississippi | 7 | $ 215,000 | $ 30,714 | $ 41,000 |
| Amite, Mississippi | 5 | $ 395,000 | $ 79,000 | $ 58,000 |
| Lamar, Mississippi | 5 | $ 815,000 | $ 163,000 | $ 65,000 |
| Mobile, Alabama | 4 | $ 1,080,000 | $ 270,000 | $ 0 |
| Lafayette, Louisiana | 4 | $ 680,000 | $ 170,000 | $ 0 |
| St. Landry, Louisiana | 4 | $ 150,000 | $ 37,500 | $ 47,000 |
| Copiah, Mississippi | 4 | $ 230,000 | $ 57,500 | $ 77,000 |
| Baldwin, Alabama | 3 | $ 485,000 | $ 161,666 | $ 280,000 |
| Holmes, Florida | 3 | $ 125,000 | $ 41,666 | $ 76,000 |
| Walton, Florida | 3 | $ 615,000 | $ 205,000 | $ 83,000 |
| Iberville, Louisiana | 3 | $ 465,000 | $ 155,000 | $ 102,000 |
| Jefferson, Louisiana | 3 | $ 1,035,000 | $ 345,000 | $ 77,000 |
| West Baton Rouge, Louisiana | 3 | $ 465,000 | $ 155,000 | $ 74,000 |
| Tallahatchie, Mississippi | 3 | $ 45,000 | $ 15,000 | $ 33,000 |
| Walthall, Mississippi | 3 | $ 125,000 | $ 41,666 | $ 56,000 |
| Covington, Alabama | 2 | $ 50,000 | $ 25,000 | $ 13,000 |
| Dale, Alabama | 2 | $ 2,850,000 | $ 1,425,000 | $ 0 |
| Henry, Alabama | 2 | $ 450,000 | $ 225,000 | $ 71,000 |
| Okaloosa, Florida | 2 | $ 3,120,000 | $ 1,560,000 | $ 645,000 |
| East Feliciana, Louisiana | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Coahoma, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 158,000 |
| Pearl River, Mississippi | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Sunflower, Mississippi | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Wilkinson, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 159,000 |
| Yalobusha, Mississippi | 2 | $ 90,000 | $ 45,000 | $ 73,000 |
| Tuscaloosa, Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 185,000 |
| Avoyelles, Louisiana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Concordia, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Evangeline, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Sabine, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| St. Bernard, Louisiana | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Adams, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 151,000 |
| Attala, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| DeSoto, Mississippi | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Forrest, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Jefferson Davis, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Lafayette, Mississippi | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Monroe, Mississippi | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Montgomery, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Oktibbeha, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Scott, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Simpson, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Tishomingo, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Warren, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Washington, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2018
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 Purchase | 272 | $46,120,000 | $169,000 | $2,965,000 | $90,000 | $868,000 |
| Refinancing | 257 | $35,865,000 | $139,000 | $1,805,000 | $108,000 | $1,249,000 |
| Home Improvement | 38 | $3,040,000 | $80,000 | $1,215,000 | $56,000 | $214,000 |
| Other Purpose | 30 | $1,830,000 | $61,000 | $355,000 | $81,000 | $205,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 335 | $33,705,000 | $100,000 | $2,505,000 | $98,000 | $1,249,000 |
| Not applicable | 144 | $42,970,000 | $298,000 | $2,965,000 | $0 | $0 |
| Black or African American | 89 | $4,375,000 | $49,000 | $255,000 | $60,000 | $301,000 |
| Not Provided | 16 | $4,780,000 | $298,000 | $1,605,000 | $177,000 | $494,000 |
| American Indian or Alaskan Native | 5 | $315,000 | $63,000 | $115,000 | $68,000 | $89,000 |
| Asian | 5 | $505,000 | $101,000 | $155,000 | $37,000 | $37,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $14,000 | $14,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $119,000 | $119,000 |
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) | 597 | $86,855,000 | $145,000 | $2,965,000 | $93,000 | $1,249,000 |
| 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 | 410 | $58,380,000 | $142,000 | $2,965,000 | $111,000 | $1,249,000 |
| Application Denied By Financial Institution | 99 | $6,875,000 | $69,000 | $885,000 | $55,000 | $301,000 |
| Application Approved But Not Accepted | 59 | $14,495,000 | $245,000 | $2,655,000 | $106,000 | $868,000 |
| Application Withdrawn By Applicant | 18 | $4,470,000 | $248,000 | $1,705,000 | $91,000 | $350,000 |
| File Closed For Incompleteness | 11 | $2,635,000 | $239,000 | $1,805,000 | $51,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 597 | $86,855,000 | $145,000 | $2,965,000 | $93,000 | $1,249,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank & Trust Company's 2018 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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