State Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, State Bank & Trust Company of Golden Meadow, LA reported 55 mortgage applications totaling $6.7 million, up 4% from 2012. The average application was for $122,527, and applicants reported an average income of $85,872. 82% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Houma-Bayou Cane-Thibodaux, LA (49) and New Orleans-Metairie-Kenner, LA (6).
| Mortgage Company & Address | State Bank & Trust Company 1614 South Bayou Drive Golden Meadow, LA 70357 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $6,739,000 |
| Average Mortgage Loan Application Amount | $122,527 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $85,872 |
| Highest Applicant Income | $1,400,000 |
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records State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lafourche, Louisiana | 47 | $ 5,316,000 | $ 113,106 | $ 85,000 |
| Jefferson, Louisiana | 6 | $ 1,318,000 | $ 219,666 | $ 110,000 |
| Terrebonne, Louisiana | 2 | $ 105,000 | $ 52,500 | $ 24,000 |
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 | 23 | $4,299,000 | $186,000 | $1,700,000 | $99,000 | $1,400,000 |
| Home Purchase | 17 | $1,948,000 | $114,000 | $400,000 | $83,000 | $243,000 |
| Home Improvement | 15 | $492,000 | $32,000 | $150,000 | $69,000 | $181,000 |
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 | 37 | $2,838,000 | $76,000 | $330,000 | $118,000 | $1,400,000 |
| Not applicable | 14 | $3,622,000 | $258,000 | $1,700,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $179,000 | $59,000 | $92,000 | $119,000 | $153,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $19,000 | $19,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 55 | $6,739,000 | $122,000 | $1,700,000 | $86,000 | $1,400,000 |
| 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 | 45 | $6,032,000 | $134,000 | $1,700,000 | $92,000 | $1,400,000 |
| Application Denied By Financial Institution | 7 | $547,000 | $78,000 | $100,000 | $62,000 | $153,000 |
| Application Withdrawn By Applicant | 3 | $160,000 | $53,000 | $75,000 | $55,000 | $96,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $262,000 | $87,000 | $95,000 | $91,000 | $153,000 |
| Debt-To-Income Ratio | 3 | $235,000 | $78,000 | $100,000 | $31,000 | $48,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 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.
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