State Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, State Bank & Trust Company of Brookhaven, MS reported 527 mortgage applications totaling $100.5 million, down 12% from 2018. The average application was for $190,730, and applicants reported an average income of $91,037. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Baton Rouge, LA (79), Jackson, MS (46) and New Orleans-Metairie, LA (35) (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 | 527 |
| Total Mortgage Loan Application Amount | $100,515,000 |
| Average Mortgage Loan Application Amount | $190,730 |
| Highest Mortgage Loan Application Amount | $6,145,000 |
| Average Applicant Income | $91,037 |
| Highest Applicant Income | $636,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 77 | $ 6,865,000 | $ 89,155 | $ 111,000 |
| Marion, Mississippi | 48 | $ 3,980,000 | $ 82,916 | $ 76,000 |
| East Baton Rouge, Louisiana | 35 | $ 14,125,000 | $ 403,571 | $ 113,000 |
| Lawrence, Mississippi | 28 | $ 1,870,000 | $ 66,785 | $ 65,000 |
| Pike, Mississippi | 27 | $ 2,245,000 | $ 83,148 | $ 68,000 |
| Hinds, Mississippi | 26 | $ 4,520,000 | $ 173,846 | $ 72,000 |
| Orleans, Louisiana | 25 | $ 18,295,000 | $ 731,800 | $ 0 |
| Tangipahoa, Louisiana | 19 | $ 12,695,000 | $ 668,157 | $ 206,000 |
| Pointe Coupee, Louisiana | 16 | $ 1,240,000 | $ 77,500 | $ 52,000 |
| Bolivar, Mississippi | 16 | $ 820,000 | $ 51,250 | $ 55,000 |
| Livingston, Louisiana | 15 | $ 2,505,000 | $ 167,000 | $ 77,000 |
| Coffee, Alabama | 12 | $ 1,780,000 | $ 148,333 | $ 123,000 |
| Geneva, Alabama | 12 | $ 1,130,000 | $ 94,166 | $ 110,000 |
| Houston, Alabama | 11 | $ 885,000 | $ 80,454 | $ 103,000 |
| Leflore, Mississippi | 11 | $ 1,035,000 | $ 94,090 | $ 48,000 |
| Grenada, Mississippi | 9 | $ 775,000 | $ 86,111 | $ 64,000 |
| Madison, Mississippi | 9 | $ 2,835,000 | $ 315,000 | $ 144,000 |
| Carroll, Mississippi | 8 | $ 450,000 | $ 56,250 | $ 46,000 |
| Rankin, Mississippi | 8 | $ 1,510,000 | $ 188,750 | $ 72,000 |
| Walthall, Mississippi | 8 | $ 500,000 | $ 62,500 | $ 70,000 |
| Yalobusha, Mississippi | 8 | $ 740,000 | $ 92,500 | $ 67,000 |
| Mobile, Alabama | 7 | $ 1,245,000 | $ 177,857 | $ 145,000 |
| Ascension, Louisiana | 6 | $ 1,670,000 | $ 278,333 | $ 124,000 |
| Iberville, Louisiana | 6 | $ 430,000 | $ 71,666 | $ 29,000 |
| St. Tammany, Louisiana | 6 | $ 1,570,000 | $ 261,666 | $ 197,000 |
| Bay, Florida | 5 | $ 875,000 | $ 175,000 | $ 0 |
| Amite, Mississippi | 5 | $ 285,000 | $ 57,000 | $ 68,000 |
| Walton, Florida | 4 | $ 1,430,000 | $ 357,500 | $ 635,000 |
| Claiborne, Mississippi | 4 | $ 90,000 | $ 22,500 | $ 39,000 |
| Jefferson, Mississippi | 4 | $ 170,000 | $ 42,500 | $ 59,000 |
| Lamar, Mississippi | 4 | $ 460,000 | $ 115,000 | $ 112,000 |
| Montgomery, Mississippi | 4 | $ 120,000 | $ 30,000 | $ 29,000 |
| Holmes, Florida | 3 | $ 305,000 | $ 101,666 | $ 209,000 |
| St. Bernard, Louisiana | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Copiah, Mississippi | 3 | $ 295,000 | $ 98,333 | $ 107,000 |
| Baldwin, Alabama | 2 | $ 3,010,000 | $ 1,505,000 | $ 0 |
| Dale, Alabama | 2 | $ 310,000 | $ 155,000 | $ 35,000 |
| Henry, Alabama | 2 | $ 90,000 | $ 45,000 | $ 24,000 |
| Concordia, Louisiana | 2 | $ 60,000 | $ 30,000 | $ 46,000 |
| Franklin, Mississippi | 2 | $ 360,000 | $ 180,000 | $ 131,000 |
| Covington, Alabama | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Lee, Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Winston, Alabama | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Routt, Colorado | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Escambia, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Decatur, Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Caddo, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Evangeline, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Jefferson, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| St. Landry, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Washington, Louisiana | 1 | $ 345,000 | $ 345,000 | $ 224,000 |
| West Baton Rouge, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Benton, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clay, Mississippi | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Harrison, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jackson, Mississippi | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Lafayette, Mississippi | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Oktibbeha, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tallahatchie, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Warren, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wilkinson, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Washoe, Nevada | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Midland, Texas | 1 | $ 215,000 | $ 215,000 | $ 214,000 |
Mortgage Loan Application Detail Totals for State Bank & Trust Company in 2019
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 | 237 | $55,585,000 | $234,000 | $6,145,000 | $109,000 | $636,000 |
| Refinancing | 226 | $40,290,000 | $178,000 | $3,305,000 | $79,000 | $392,000 |
| Home Improvement | 41 | $3,755,000 | $91,000 | $1,475,000 | $62,000 | $404,000 |
| Other Purpose | 23 | $885,000 | $38,000 | $145,000 | $76,000 | $210,000 |
| 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 | 313 | $37,355,000 | $119,000 | $1,065,000 | $99,000 | $636,000 |
| Not applicable | 122 | $56,740,000 | $465,000 | $6,145,000 | $0 | $0 |
| Black or African American | 82 | $4,650,000 | $56,000 | $305,000 | $56,000 | $196,000 |
| Not Provided | 4 | $600,000 | $150,000 | $335,000 | $122,000 | $122,000 |
| Asian | 3 | $735,000 | $245,000 | $455,000 | $230,000 | $421,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 525 | $100,105,000 | $190,000 | $6,145,000 | $91,000 | $636,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $77,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $245,000 | $245,000 | $245,000 | $40,000 | $40,000 |
| FHA-insured (Federal Housing 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 | 372 | $64,000,000 | $172,000 | $2,735,000 | $103,000 | $636,000 |
| Application Denied By Financial Institution | 83 | $11,765,000 | $141,000 | $3,065,000 | $60,000 | $235,000 |
| Application Approved But Not Accepted | 47 | $9,225,000 | $196,000 | $1,605,000 | $106,000 | $423,000 |
| File Closed For Incompleteness | 15 | $10,175,000 | $678,000 | $6,145,000 | $67,000 | $170,000 |
| Application Withdrawn By Applicant | 10 | $5,350,000 | $535,000 | $3,305,000 | $94,000 | $176,000 |
| 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 | 527 | $100,515,000 | $190,000 | $6,145,000 | $91,000 | $636,000 |
| 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 2019 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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