State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
State Bank And Trust Company 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | State Bank And Trust Company 4219 Forsyth Road Macon, GA 31210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 2,166 |
| Total Mortgage Loan Application Amount | $401,294,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $13,500,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $2,280,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with State Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing State Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down State Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how State Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by State Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at State Bank And Trust Company's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bibb County Georgia | 221 | $ 19,942,000 | $ 90,000 | $ 90,000 |
| Columbia County Georgia | 221 | $ 44,057,000 | $ 199,000 | $ 85,000 |
| Houston County Georgia | 145 | $ 17,270,000 | $ 119,000 | $ 94,000 |
| Jones County Georgia | 145 | $ 2,517,000 | $ 17,000 | $ 57,000 |
| Aiken County South Carolina | 134 | $ 22,500,000 | $ 167,000 | $ 79,000 |
| Richmond County Georgia | 113 | $ 16,395,000 | $ 145,000 | $ 69,000 |
| Fulton County Georgia | 101 | $ 47,226,000 | $ 467,000 | $ 169,000 |
| Cobb County Georgia | 96 | $ 23,113,000 | $ 240,000 | $ 134,000 |
| Chatham County Georgia | 83 | $ 27,862,000 | $ 335,000 | $ 107,000 |
| Floyd County Georgia | 77 | $ 11,144,000 | $ 144,000 | $ 63,000 |
| Gwinnett County Georgia | 65 | $ 12,152,000 | $ 186,000 | $ 83,000 |
| DeKalb County Georgia | 46 | $ 28,618,000 | $ 622,000 | $ 155,000 |
| Monroe County Georgia | 33 | $ 5,429,000 | $ 164,000 | $ 99,000 |
| Bryan County Georgia | 32 | $ 7,703,000 | $ 240,000 | $ 82,000 |
| Cherokee County Georgia | 31 | $ 7,040,000 | $ 227,000 | $ 121,000 |
| Whitfield County Georgia | 31 | $ 3,658,000 | $ 118,000 | $ 66,000 |
| Lowndes County Georgia | 29 | $ 4,685,000 | $ 161,000 | $ 58,000 |
| Forsyth County Georgia | 27 | $ 8,250,000 | $ 305,000 | $ 122,000 |
| Pitt County North Carolina | 24 | $ 4,456,000 | $ 185,000 | $ 103,000 |
| Effingham County Georgia | 23 | $ 4,558,000 | $ 198,000 | $ 84,000 |
| Glynn County Georgia | 23 | $ 9,168,000 | $ 398,000 | $ 47,000 |
| Hamilton County Tennessee | 19 | $ 3,839,000 | $ 202,000 | $ 86,000 |
| Bartow County Georgia | 18 | $ 4,127,000 | $ 229,000 | $ 139,000 |
| Peach County Georgia | 18 | $ 1,359,000 | $ 75,000 | $ 79,000 |
| Dooly County Georgia | 16 | $ 202,000 | $ 12,000 | $ 45,000 |
| Gordon County Georgia | 16 | $ 2,687,000 | $ 167,000 | $ 88,000 |
| Laurens County Georgia | 16 | $ 2,634,000 | $ 164,000 | $ 118,000 |
| Lee County Alabama | 11 | $ 1,677,000 | $ 152,000 | $ 108,000 |
| Pike County Alabama | 11 | $ 1,550,000 | $ 140,000 | $ 75,000 |
| Baldwin County Georgia | 10 | $ 602,000 | $ 60,000 | $ 47,000 |
| Hall County Georgia | 10 | $ 2,444,000 | $ 244,000 | $ 119,000 |
| McDuffie County Georgia | 10 | $ 1,819,000 | $ 181,000 | $ 86,000 |
| Craven County North Carolina | 10 | $ 1,609,000 | $ 160,000 | $ 83,000 |
| Coffee County Georgia | 9 | $ 1,290,000 | $ 143,000 | $ 68,000 |
| Dougherty County Georgia | 9 | $ 1,506,000 | $ 167,000 | $ 84,000 |
| Murray County Georgia | 9 | $ 957,000 | $ 106,000 | $ 50,000 |
| Paulding County Georgia | 9 | $ 1,366,000 | $ 151,000 | $ 65,000 |
| Edgefield County South Carolina | 9 | $ 1,849,000 | $ 205,000 | $ 72,000 |
| Indian River County Florida | 8 | $ 1,090,000 | $ 136,000 | $ 86,000 |
| Catoosa County Georgia | 6 | $ 948,000 | $ 158,000 | $ 65,000 |
| Dawson County Georgia | 6 | $ 1,445,000 | $ 240,000 | $ 106,000 |
| Rabun County Georgia | 6 | $ 977,000 | $ 162,000 | $ 87,000 |
| Twiggs County Georgia | 6 | $ 154,000 | $ 25,000 | $ 39,000 |
| Lenoir County North Carolina | 6 | $ 527,000 | $ 87,000 | $ 62,000 |
| Beaufort County South Carolina | 6 | $ 2,006,000 | $ 334,000 | $ 194,000 |
| Crisp County Georgia | 5 | $ 230,000 | $ 46,000 | $ 70,000 |
| Lamar County Georgia | 5 | $ 543,000 | $ 108,000 | $ 112,000 |
| Lanier County Georgia | 5 | $ 968,000 | $ 193,000 | $ 53,000 |
| Polk County Georgia | 5 | $ 531,000 | $ 106,000 | $ 64,000 |
| Tift County Georgia | 5 | $ 887,000 | $ 177,000 | $ 106,000 |
| Wilkinson County Georgia | 5 | $ 97,000 | $ 19,000 | $ 78,000 |
| Cherokee County Alabama | 4 | $ 529,000 | $ 132,000 | $ 61,000 |
| Lincoln County Georgia | 4 | $ 494,000 | $ 123,000 | $ 112,000 |
| Cumberland County North Carolina | 4 | $ 1,079,000 | $ 269,000 | $ 269,000 |
| Warren County Tennessee | 4 | $ 248,000 | $ 62,000 | $ 26,000 |
| Coffee County Alabama | 3 | $ 451,000 | $ 150,000 | $ 66,000 |
| Covington County Alabama | 3 | $ 218,000 | $ 72,000 | $ 34,000 |
| Nassau County Florida | 3 | $ 255,000 | $ 85,000 | $ 133,000 |
| Butts County Georgia | 3 | $ 572,000 | $ 190,000 | $ 140,000 |
| Clarke County Georgia | 3 | $ 3,186,000 | $ 1,062,000 | $ 57,000 |
| Johnson County Georgia | 3 | $ 509,000 | $ 169,000 | $ 64,000 |
| Liberty County Georgia | 3 | $ 596,000 | $ 198,000 | $ 76,000 |
| Long County Georgia | 3 | $ 773,000 | $ 257,000 | $ 80,000 |
| Muscogee County Georgia | 3 | $ 253,000 | $ 84,000 | $ 27,000 |
| Walker County Georgia | 3 | $ 449,000 | $ 149,000 | $ 63,000 |
| Onslow County North Carolina | 3 | $ 710,000 | $ 236,000 | $ 125,000 |
| Barnwell County South Carolina | 3 | $ 517,000 | $ 172,000 | $ 94,000 |
| Dorchester County South Carolina | 3 | $ 442,000 | $ 147,000 | $ 73,000 |
| Florence County South Carolina | 3 | $ 529,000 | $ 176,000 | $ 73,000 |
| McCormick County South Carolina | 3 | $ 497,000 | $ 165,000 | $ 102,000 |
| Orangeburg County South Carolina | 3 | $ 383,000 | $ 127,000 | $ 45,000 |
| Russell County Alabama | 2 | $ 302,000 | $ 151,000 | $ 61,000 |
| Barrow County Georgia | 2 | $ 309,000 | $ 154,000 | $ 196,000 |
| Bleckley County Georgia | 2 | $ 125,000 | $ 62,000 | $ 89,000 |
| Brooks County Georgia | 2 | $ 142,000 | $ 71,000 | $ 21,000 |
| Bulloch County Georgia | 2 | $ 201,000 | $ 100,000 | $ 30,000 |
| Carroll County Georgia | 2 | $ 253,000 | $ 126,000 | $ 26,000 |
| Clayton County Georgia | 2 | $ 290,000 | $ 145,000 | $ 45,000 |
| Cook County Georgia | 2 | $ 222,000 | $ 111,000 | $ 48,000 |
| Crawford County Georgia | 2 | $ 10,000 | $ 5,000 | $ 24,000 |
| Fannin County Georgia | 2 | $ 544,000 | $ 272,000 | $ 438,000 |
| Fayette County Georgia | 2 | $ 269,000 | $ 134,000 | $ 83,000 |
| Haralson County Georgia | 2 | $ 616,000 | $ 308,000 | $ 254,000 |
| Henry County Georgia | 2 | $ 267,000 | $ 133,000 | $ 73,000 |
| Lee County Georgia | 2 | $ 187,000 | $ 93,000 | $ 56,000 |
| Macon County Georgia | 2 | $ 46,000 | $ 23,000 | $ 32,000 |
| Pickens County Georgia | 2 | $ 494,000 | $ 247,000 | $ 423,000 |
| Pike County Georgia | 2 | $ 276,000 | $ 138,000 | $ 72,000 |
| Pulaski County Georgia | 2 | $ 88,000 | $ 44,000 | $ 81,000 |
| Putnam County Georgia | 2 | $ 10,000 | $ 5,000 | $ 47,000 |
| Spalding County Georgia | 2 | $ 281,000 | $ 140,000 | $ 92,000 |
| Upson County Georgia | 2 | $ 270,000 | $ 135,000 | $ 25,000 |
| Worth County Georgia | 2 | $ 265,000 | $ 132,000 | $ 49,000 |
| Beaufort County North Carolina | 2 | $ 623,000 | $ 311,000 | $ 155,000 |
| Carteret County North Carolina | 2 | $ 737,000 | $ 368,000 | $ 104,000 |
| Duplin County North Carolina | 2 | $ 273,000 | $ 136,000 | $ 50,000 |
| Jones County North Carolina | 2 | $ 465,000 | $ 232,000 | $ 96,000 |
| Wayne County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 110,000 |
| Lexington County South Carolina | 2 | $ 382,000 | $ 191,000 | $ 103,000 |
| Union County Tennessee | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Autauga County Alabama | 1 | $ 43,000 | $ 43,000 | $ 95,000 |
| Baldwin County Alabama | 1 | $ 360,000 | $ 360,000 | $ 149,000 |
| Barbour County Alabama | 1 | $ 274,000 | $ 274,000 | $ 87,000 |
| Dale County Alabama | 1 | $ 154,000 | $ 154,000 | $ 90,000 |
| DeKalb County Alabama | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Elmore County Alabama | 1 | $ 265,000 | $ 265,000 | $ 46,000 |
| Mobile County Alabama | 1 | $ 240,000 | $ 240,000 | $ 59,000 |
| Montgomery County Alabama | 1 | $ 453,000 | $ 453,000 | $ 140,000 |
| Tallapoosa County Alabama | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Bay County Florida | 1 | $ 86,000 | $ 86,000 | $ 112,000 |
| Franklin County Florida | 1 | $ 67,000 | $ 67,000 | $ 119,000 |
| Hillsborough County Florida | 1 | $ 168,000 | $ 168,000 | $ 40,000 |
| Martin County Florida | 1 | $ 540,000 | $ 540,000 | $ 524,000 |
| Palm Beach County Florida | 1 | $ 321,000 | $ 321,000 | $ 73,000 |
| St. Johns County Florida | 1 | $ 280,000 | $ 280,000 | $ 301,000 |
| Volusia County Florida | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Atkinson County Georgia | 1 | $ 48,000 | $ 48,000 | $ 34,000 |
| Burke County Georgia | 1 | $ 113,000 | $ 113,000 | $ 63,000 |
| Chattooga County Georgia | 1 | $ 22,000 | $ 22,000 | $ 40,000 |
| Clay County Georgia | 1 | $ 76,000 | $ 76,000 | $ 45,000 |
| Dodge County Georgia | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Douglas County Georgia | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Evans County Georgia | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Gilmer County Georgia | 1 | $ 182,000 | $ 182,000 | $ 56,000 |
| Hancock County Georgia | 1 | $ 206,000 | $ 206,000 | $ 756,000 |
| Irwin County Georgia | 1 | $ 158,000 | $ 158,000 | $ 66,000 |
| Jackson County Georgia | 1 | $ 110,000 | $ 110,000 | $ 63,000 |
| Jasper County Georgia | 1 | $ 3,000 | $ 3,000 | $ 32,000 |
| Jeff Davis County Georgia | 1 | $ 81,000 | $ 81,000 | $ 23,000 |
| Jefferson County Georgia | 1 | $ 177,000 | $ 177,000 | $ 54,000 |
| Lumpkin County Georgia | 1 | $ 173,000 | $ 173,000 | $ 231,000 |
| McIntosh County Georgia | 1 | $ 129,000 | $ 129,000 | $ 160,000 |
| Newton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Rockdale County Georgia | 1 | $ 47,000 | $ 47,000 | $ 135,000 |
| Stephens County Georgia | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Taylor County Georgia | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Turner County Georgia | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Warren County Georgia | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Wayne County Georgia | 1 | $ 98,000 | $ 98,000 | $ 40,000 |
| White County Georgia | 1 | $ 123,000 | $ 123,000 | $ 102,000 |
| Wilkes County Georgia | 1 | $ 204,000 | $ 204,000 | $ 458,000 |
| Chowan County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 97,000 |
| Durham County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 78,000 |
| Guilford County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 243,000 |
| Haywood County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 344,000 | $ 344,000 | $ 110,000 |
| Moore County North Carolina | 1 | $ 233,000 | $ 233,000 | $ 80,000 |
| Pamlico County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Transylvania County North Carolina | 1 | $ 580,000 | $ 580,000 | $ 461,000 |
| Wake County North Carolina | 1 | $ 317,000 | $ 317,000 | $ 191,000 |
| Charleston County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 142,000 |
| Clarendon County South Carolina | 1 | $ 118,000 | $ 118,000 | $ 117,000 |
| Hampton County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 54,000 |
| Oconee County South Carolina | 1 | $ 260,000 | $ 260,000 | $ 98,000 |
| Pickens County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 321,000 |
| Davidson County Tennessee | 1 | $ 234,000 | $ 234,000 | $ 73,000 |
| DeKalb County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| McMinn County Tennessee | 1 | $ 157,000 | $ 157,000 | $ 42,000 |
| Sequatchie County Tennessee | 1 | $ 136,000 | $ 136,000 | $ 28,000 |
| Sumner County Tennessee | 1 | $ 173,000 | $ 173,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for State Bank And 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 Purchase | 1,369 | $273,288,000 | $199,000 | $7,228,000 | $95,000 | $2,280,000 |
| Refinancing | 444 | $103,145,000 | $232,000 | $11,769,000 | $108,000 | $762,000 |
| Home Improvement | 353 | $24,861,000 | $70,000 | $13,500,000 | $64,000 | $625,000 |
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 | 1,586 | $263,659,000 | $166,000 | $1,700,000 | $99,000 | $2,280,000 |
| Black or African American | 303 | $39,332,000 | $129,000 | $950,000 | $71,000 | $625,000 |
| Asian | 92 | $19,299,000 | $209,000 | $1,000,000 | $103,000 | $1,073,000 |
| Hispanic | 74 | $11,014,000 | $148,000 | $537,000 | $78,000 | $892,000 |
| Not Provided | 53 | $10,282,000 | $194,000 | $488,000 | $121,000 | $762,000 |
| Not applicable | 49 | $56,388,000 | $1,150,000 | $13,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $897,000 | $149,000 | $309,000 | $65,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $423,000 | $141,000 | $213,000 | $99,000 | $115,000 |
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) | 1,439 | $277,806,000 | $193,000 | $13,500,000 | $107,000 | $2,280,000 |
| VA-guaranteed (Veterans Administration) | 325 | $66,375,000 | $204,000 | $509,000 | $75,000 | $597,000 |
| FHA-insured (Federal Housing Administration) | 315 | $46,276,000 | $146,000 | $349,000 | $58,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $10,837,000 | $124,000 | $281,000 | $44,000 | $86,000 |
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 | 1,594 | $320,994,000 | $201,000 | $13,500,000 | $93,000 | $1,181,000 |
| Application Denied By Financial Institution | 438 | $52,557,000 | $119,000 | $1,700,000 | $85,000 | $2,280,000 |
| Application Withdrawn By Applicant | 109 | $22,661,000 | $207,000 | $740,000 | $106,000 | $1,053,000 |
| Application Approved But Not Accepted | 18 | $3,794,000 | $210,000 | $766,000 | $154,000 | $892,000 |
| File Closed For Incompleteness | 4 | $1,095,000 | $273,000 | $620,000 | $173,000 | $400,000 |
| Loan Purchased By The Institution | 3 | $193,000 | $64,000 | $85,000 | $29,000 | $33,000 |
| 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 And 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 And 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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