State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
State Bank And Trust Company 2016 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 | 3,901 |
| Total Mortgage Loan Application Amount | $697,302,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $5,274,000 |
| Average Applicant Income | $87,333 |
| Highest Applicant Income | $4,978,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbia County Georgia | 500 | $ 107,978,000 | $ 215,000 | $ 87,000 |
| Aiken County South Carolina | 311 | $ 50,184,000 | $ 161,000 | $ 71,000 |
| Bibb County Georgia | 256 | $ 26,529,000 | $ 103,000 | $ 86,000 |
| Richmond County Georgia | 246 | $ 36,768,000 | $ 149,000 | $ 73,000 |
| Floyd County Georgia | 222 | $ 33,892,000 | $ 152,000 | $ 93,000 |
| Chatham County Georgia | 201 | $ 40,258,000 | $ 200,000 | $ 78,000 |
| Houston County Georgia | 180 | $ 20,883,000 | $ 116,000 | $ 77,000 |
| Gwinnett County Georgia | 142 | $ 27,872,000 | $ 196,000 | $ 78,000 |
| Fulton County Georgia | 130 | $ 48,201,000 | $ 370,000 | $ 208,000 |
| Jones County Georgia | 112 | $ 4,036,000 | $ 36,000 | $ 55,000 |
| Lowndes County Georgia | 100 | $ 16,269,000 | $ 162,000 | $ 65,000 |
| Whitfield County Georgia | 92 | $ 14,089,000 | $ 153,000 | $ 72,000 |
| Cobb County Georgia | 78 | $ 21,732,000 | $ 278,000 | $ 130,000 |
| Pitt County North Carolina | 75 | $ 13,954,000 | $ 186,000 | $ 129,000 |
| Bryan County Georgia | 74 | $ 17,082,000 | $ 230,000 | $ 85,000 |
| DeKalb County Georgia | 60 | $ 15,944,000 | $ 265,000 | $ 104,000 |
| Effingham County Georgia | 58 | $ 10,846,000 | $ 187,000 | $ 76,000 |
| Laurens County Georgia | 49 | $ 7,046,000 | $ 143,000 | $ 84,000 |
| Murray County Georgia | 42 | $ 5,033,000 | $ 119,000 | $ 60,000 |
| Gordon County Georgia | 39 | $ 6,454,000 | $ 165,000 | $ 89,000 |
| Forsyth County Georgia | 38 | $ 9,674,000 | $ 254,000 | $ 104,000 |
| Monroe County Georgia | 37 | $ 6,303,000 | $ 170,000 | $ 102,000 |
| Edgefield County South Carolina | 37 | $ 6,416,000 | $ 173,000 | $ 167,000 |
| Lee County Georgia | 35 | $ 6,154,000 | $ 175,000 | $ 77,000 |
| Coffee County Georgia | 32 | $ 5,358,000 | $ 167,000 | $ 84,000 |
| Bartow County Georgia | 31 | $ 6,767,000 | $ 218,000 | $ 121,000 |
| Tift County Georgia | 31 | $ 5,880,000 | $ 189,000 | $ 84,000 |
| Cherokee County Georgia | 27 | $ 6,371,000 | $ 235,000 | $ 72,000 |
| Glynn County Georgia | 26 | $ 4,557,000 | $ 175,000 | $ 61,000 |
| Dougherty County Georgia | 24 | $ 3,811,000 | $ 158,000 | $ 99,000 |
| Polk County Georgia | 23 | $ 2,908,000 | $ 126,000 | $ 57,000 |
| Dooly County Georgia | 22 | $ 277,000 | $ 12,000 | $ 48,000 |
| Craven County North Carolina | 21 | $ 3,800,000 | $ 180,000 | $ 144,000 |
| Indian River County Florida | 18 | $ 3,077,000 | $ 170,000 | $ 198,000 |
| McDuffie County Georgia | 17 | $ 3,136,000 | $ 184,000 | $ 62,000 |
| Paulding County Georgia | 15 | $ 2,825,000 | $ 188,000 | $ 79,000 |
| Orangeburg County South Carolina | 15 | $ 2,140,000 | $ 142,000 | $ 83,000 |
| Peach County Georgia | 14 | $ 1,612,000 | $ 115,000 | $ 206,000 |
| Putnam County Georgia | 14 | $ 2,013,000 | $ 143,000 | $ 119,000 |
| Lee County Alabama | 12 | $ 2,140,000 | $ 178,000 | $ 70,000 |
| Beaufort County South Carolina | 12 | $ 2,345,000 | $ 195,000 | $ 59,000 |
| Lenoir County North Carolina | 11 | $ 1,637,000 | $ 148,000 | $ 93,000 |
| Wayne County North Carolina | 11 | $ 1,649,000 | $ 149,000 | $ 76,000 |
| Hamilton County Tennessee | 11 | $ 3,255,000 | $ 295,000 | $ 106,000 |
| Pike County Alabama | 10 | $ 1,652,000 | $ 165,000 | $ 71,000 |
| Baldwin County Georgia | 10 | $ 822,000 | $ 82,000 | $ 63,000 |
| Catoosa County Georgia | 10 | $ 2,079,000 | $ 207,000 | $ 105,000 |
| Twiggs County Georgia | 10 | $ 100,000 | $ 10,000 | $ 51,000 |
| Charleston County South Carolina | 10 | $ 3,484,000 | $ 348,000 | $ 115,000 |
| Hall County Georgia | 9 | $ 2,233,000 | $ 248,000 | $ 100,000 |
| Carteret County North Carolina | 9 | $ 2,010,000 | $ 223,000 | $ 314,000 |
| Coweta County Georgia | 8 | $ 1,904,000 | $ 238,000 | $ 129,000 |
| Henry County Georgia | 8 | $ 1,693,000 | $ 211,000 | $ 122,000 |
| Lexington County South Carolina | 8 | $ 1,342,000 | $ 167,000 | $ 66,000 |
| Crawford County Georgia | 7 | $ 521,000 | $ 74,000 | $ 38,000 |
| Worth County Georgia | 7 | $ 789,000 | $ 112,000 | $ 42,000 |
| McCormick County South Carolina | 7 | $ 1,896,000 | $ 270,000 | $ 89,000 |
| Colquitt County Georgia | 6 | $ 1,120,000 | $ 186,000 | $ 111,000 |
| Lanier County Georgia | 6 | $ 905,000 | $ 150,000 | $ 64,000 |
| Liberty County Georgia | 6 | $ 1,029,000 | $ 171,000 | $ 62,000 |
| Rabun County Georgia | 6 | $ 1,784,000 | $ 297,000 | $ 113,000 |
| Jasper County South Carolina | 6 | $ 1,147,000 | $ 191,000 | $ 63,000 |
| Covington County Alabama | 5 | $ 468,000 | $ 93,000 | $ 63,000 |
| Berrien County Georgia | 5 | $ 978,000 | $ 195,000 | $ 93,000 |
| Fayette County Georgia | 5 | $ 833,000 | $ 166,000 | $ 72,000 |
| Lincoln County Georgia | 5 | $ 880,000 | $ 176,000 | $ 120,000 |
| Macon County Georgia | 5 | $ 58,000 | $ 11,000 | $ 33,000 |
| Spalding County Georgia | 5 | $ 661,000 | $ 132,000 | $ 76,000 |
| Calhoun County South Carolina | 5 | $ 918,000 | $ 183,000 | $ 106,000 |
| Walton County Florida | 4 | $ 1,611,000 | $ 402,000 | $ 198,000 |
| Bleckley County Georgia | 4 | $ 794,000 | $ 198,000 | $ 120,000 |
| Clayton County Georgia | 4 | $ 409,000 | $ 102,000 | $ 36,000 |
| Muscogee County Georgia | 4 | $ 477,000 | $ 119,000 | $ 40,000 |
| Warren County Georgia | 4 | $ 135,000 | $ 33,000 | $ 38,000 |
| Wilkinson County Georgia | 4 | $ 295,000 | $ 73,000 | $ 70,000 |
| Wake County North Carolina | 4 | $ 1,241,000 | $ 310,000 | $ 156,000 |
| Darlington County South Carolina | 4 | $ 385,000 | $ 96,000 | $ 52,000 |
| Williamson County Tennessee | 4 | $ 1,115,000 | $ 278,000 | $ 83,000 |
| Cherokee County Alabama | 3 | $ 316,000 | $ 105,000 | $ 63,000 |
| Coffee County Alabama | 3 | $ 440,000 | $ 146,000 | $ 61,000 |
| Montgomery County Alabama | 3 | $ 3,929,000 | $ 1,309,000 | $ 80,000 |
| Russell County Alabama | 3 | $ 283,000 | $ 94,000 | $ 52,000 |
| Barrow County Georgia | 3 | $ 1,947,000 | $ 649,000 | $ 68,000 |
| Brooks County Georgia | 3 | $ 519,000 | $ 173,000 | $ 96,000 |
| Bulloch County Georgia | 3 | $ 501,000 | $ 167,000 | $ 85,000 |
| Burke County Georgia | 3 | $ 501,000 | $ 167,000 | $ 68,000 |
| Carroll County Georgia | 3 | $ 434,000 | $ 144,000 | $ 106,000 |
| Cook County Georgia | 3 | $ 448,000 | $ 149,000 | $ 75,000 |
| Fannin County Georgia | 3 | $ 1,125,000 | $ 375,000 | $ 85,000 |
| Harris County Georgia | 3 | $ 381,000 | $ 127,000 | $ 34,000 |
| Oconee County Georgia | 3 | $ 913,000 | $ 304,000 | $ 299,000 |
| Terrell County Georgia | 3 | $ 324,000 | $ 108,000 | $ 72,000 |
| Troup County Georgia | 3 | $ 801,000 | $ 267,000 | $ 143,000 |
| Walton County Georgia | 3 | $ 292,000 | $ 97,000 | $ 64,000 |
| Cumberland County North Carolina | 3 | $ 864,000 | $ 288,000 | $ 106,000 |
| Jones County North Carolina | 3 | $ 470,000 | $ 156,000 | $ 62,000 |
| Spartanburg County South Carolina | 3 | $ 528,000 | $ 176,000 | $ 122,000 |
| Davidson County Tennessee | 3 | $ 209,000 | $ 69,000 | $ 56,000 |
| Houston County Alabama | 2 | $ 221,000 | $ 110,000 | $ 52,000 |
| Okaloosa County Florida | 2 | $ 192,000 | $ 96,000 | $ 71,000 |
| St. Lucie County Florida | 2 | $ 302,000 | $ 151,000 | $ 89,000 |
| Atkinson County Georgia | 2 | $ 215,000 | $ 107,000 | $ 54,000 |
| Chattooga County Georgia | 2 | $ 155,000 | $ 77,000 | $ 24,000 |
| Clarke County Georgia | 2 | $ 227,000 | $ 113,000 | $ 43,000 |
| Dodge County Georgia | 2 | $ 250,000 | $ 125,000 | $ 77,000 |
| Gilmer County Georgia | 2 | $ 376,000 | $ 188,000 | $ 47,000 |
| Jasper County Georgia | 2 | $ 10,000 | $ 5,000 | $ 21,000 |
| Lamar County Georgia | 2 | $ 257,000 | $ 128,000 | $ 45,000 |
| Long County Georgia | 2 | $ 440,000 | $ 220,000 | $ 26,000 |
| Newton County Georgia | 2 | $ 271,000 | $ 135,000 | $ 52,000 |
| Rockdale County Georgia | 2 | $ 3,354,000 | $ 1,677,000 | $ 0 |
| Sumter County Georgia | 2 | $ 431,000 | $ 215,000 | $ 137,000 |
| Taylor County Georgia | 2 | $ 379,000 | $ 189,000 | $ 147,000 |
| Towns County Georgia | 2 | $ 154,000 | $ 77,000 | $ 66,000 |
| Treutlen County Georgia | 2 | $ 316,000 | $ 158,000 | $ 77,000 |
| Turner County Georgia | 2 | $ 355,000 | $ 177,000 | $ 82,000 |
| Walker County Georgia | 2 | $ 422,000 | $ 211,000 | $ 70,000 |
| Beaufort County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 105,000 |
| Duplin County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 47,000 |
| New Hanover County North Carolina | 2 | $ 625,000 | $ 312,000 | $ 106,000 |
| Onslow County North Carolina | 2 | $ 482,000 | $ 241,000 | $ 115,000 |
| Pamlico County North Carolina | 2 | $ 319,000 | $ 159,000 | $ 70,000 |
| Tioga County Pennsylvania | 2 | $ 553,000 | $ 276,000 | $ 90,000 |
| Berkeley County South Carolina | 2 | $ 445,000 | $ 222,000 | $ 69,000 |
| Colleton County South Carolina | 2 | $ 392,000 | $ 196,000 | $ 78,000 |
| Greenwood County South Carolina | 2 | $ 464,000 | $ 232,000 | $ 81,000 |
| Richland County South Carolina | 2 | $ 278,000 | $ 139,000 | $ 124,000 |
| Sevier County Tennessee | 2 | $ 410,000 | $ 205,000 | $ 89,000 |
| Shelby County Tennessee | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Crenshaw County Alabama | 1 | $ 96,000 | $ 96,000 | $ 52,000 |
| Geneva County Alabama | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Madison County Alabama | 1 | $ 219,000 | $ 219,000 | $ 124,000 |
| Shelby County Alabama | 1 | $ 157,000 | $ 157,000 | $ 25,000 |
| Bay County Florida | 1 | $ 300,000 | $ 300,000 | $ 142,000 |
| Broward County Florida | 1 | $ 116,000 | $ 116,000 | $ 148,000 |
| Duval County Florida | 1 | $ 319,000 | $ 319,000 | $ 117,000 |
| Gulf County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 166,000 | $ 166,000 | $ 85,000 |
| Lake County Florida | 1 | $ 184,000 | $ 184,000 | $ 79,000 |
| Nassau County Florida | 1 | $ 182,000 | $ 182,000 | $ 0 |
| St. Johns County Florida | 1 | $ 197,000 | $ 197,000 | $ 143,000 |
| Taylor County Florida | 1 | $ 98,000 | $ 98,000 | $ 138,000 |
| Volusia County Florida | 1 | $ 96,000 | $ 96,000 | $ 22,000 |
| Clinch County Georgia | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Douglas County Georgia | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Emanuel County Georgia | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Franklin County Georgia | 1 | $ 71,000 | $ 71,000 | $ 69,000 |
| Glascock County Georgia | 1 | $ 242,000 | $ 242,000 | $ 126,000 |
| Haralson County Georgia | 1 | $ 178,000 | $ 178,000 | $ 81,000 |
| Hart County Georgia | 1 | $ 278,000 | $ 278,000 | $ 169,000 |
| Jackson County Georgia | 1 | $ 149,000 | $ 149,000 | $ 120,000 |
| Jefferson County Georgia | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Johnson County Georgia | 1 | $ 132,000 | $ 132,000 | $ 79,000 |
| McIntosh County Georgia | 1 | $ 163,000 | $ 163,000 | $ 74,000 |
| Miller County Georgia | 1 | $ 77,000 | $ 77,000 | $ 108,000 |
| Morgan County Georgia | 1 | $ 209,000 | $ 209,000 | $ 49,000 |
| Pierce County Georgia | 1 | $ 124,000 | $ 124,000 | $ 47,000 |
| Pike County Georgia | 1 | $ 9,000 | $ 9,000 | $ 30,000 |
| Screven County Georgia | 1 | $ 299,000 | $ 299,000 | $ 109,000 |
| Talbot County Georgia | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Telfair County Georgia | 1 | $ 121,000 | $ 121,000 | $ 46,000 |
| Washington County Georgia | 1 | $ 230,000 | $ 230,000 | $ 82,000 |
| White County Georgia | 1 | $ 161,000 | $ 161,000 | $ 67,000 |
| Wilkes County Georgia | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
| Brunswick County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 139,000 |
| Buncombe County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Cabarrus County North Carolina | 1 | $ 196,000 | $ 196,000 | $ 86,000 |
| Camden County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Clay County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 123,000 |
| Edgecombe County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 95,000 |
| Greene County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Hoke County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 73,000 |
| Johnston County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 79,000 |
| Macon County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| McDowell County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Nash County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 99,000 |
| Abbeville County South Carolina | 1 | $ 302,000 | $ 302,000 | $ 69,000 |
| Barnwell County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| Clarendon County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 164,000 |
| Florence County South Carolina | 1 | $ 318,000 | $ 318,000 | $ 274,000 |
| Greenville County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 251,000 |
| Hampton County South Carolina | 1 | $ 81,000 | $ 81,000 | $ 49,000 |
| Oconee County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 64,000 |
| Pickens County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 243,000 |
| Saluda County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| York County South Carolina | 1 | $ 211,000 | $ 211,000 | $ 82,000 |
| Cocke County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 39,000 |
| Marion County Tennessee | 1 | $ 220,000 | $ 220,000 | $ 66,000 |
| Maury County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 103,000 |
| Rutherford County Tennessee | 1 | $ 250,000 | $ 250,000 | $ 70,000 |
| Warren County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Wilson County Tennessee | 1 | $ 182,000 | $ 182,000 | $ 43,000 |
| Prince William County Virginia | 1 | $ 635,000 | $ 635,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for State Bank And Trust Company in 2016
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 | 2,760 | $522,446,000 | $189,000 | $5,274,000 | $86,000 | $4,978,000 |
| Refinancing | 816 | $161,991,000 | $198,000 | $3,250,000 | $112,000 | $3,198,000 |
| Home Improvement | 325 | $12,865,000 | $39,000 | $3,482,000 | $64,000 | $422,000 |
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 | 2,783 | $480,127,000 | $172,000 | $2,000,000 | $96,000 | $4,978,000 |
| Black or African American | 547 | $85,453,000 | $156,000 | $1,365,000 | $71,000 | $981,000 |
| Asian | 293 | $59,143,000 | $201,000 | $1,120,000 | $88,000 | $1,499,000 |
| Hispanic | 125 | $21,228,000 | $169,000 | $635,000 | $68,000 | $350,000 |
| Not Provided | 72 | $14,459,000 | $200,000 | $500,000 | $102,000 | $522,000 |
| Not applicable | 66 | $34,754,000 | $526,000 | $5,274,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 8 | $1,169,000 | $146,000 | $291,000 | $118,000 | $236,000 |
| American Indian or Alaskan Native | 7 | $969,000 | $138,000 | $238,000 | $57,000 | $90,000 |
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) | 2,260 | $409,928,000 | $181,000 | $5,274,000 | $108,000 | $4,978,000 |
| FHA-insured (Federal Housing Administration) | 784 | $115,300,000 | $147,000 | $349,000 | $57,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 711 | $153,875,000 | $216,000 | $635,000 | $77,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 146 | $18,199,000 | $124,000 | $284,000 | $45,000 | $109,000 |
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 | 3,000 | $559,792,000 | $186,000 | $5,274,000 | $92,000 | $4,978,000 |
| Application Denied By Financial Institution | 567 | $74,712,000 | $131,000 | $1,050,000 | $73,000 | $1,091,000 |
| Application Withdrawn By Applicant | 306 | $59,119,000 | $193,000 | $1,170,000 | $92,000 | $1,704,000 |
| Application Approved But Not Accepted | 28 | $3,679,000 | $131,000 | $417,000 | $76,000 | $401,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| 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 2016 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.