State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
State Bank And Trust Company 2018 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 | 3,109 |
| Total Mortgage Loan Application Amount | $591,345,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $5,855,000 |
| Average Applicant Income | $129,600 |
| Highest Applicant Income | $2,699,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 341 | $ 70,235,000 | $ 205,000 | $ 105,000 |
| Richmond County Georgia | 209 | $ 27,995,000 | $ 133,000 | $ 114,000 |
| Chatham County Georgia | 197 | $ 40,265,000 | $ 204,000 | $ 105,000 |
| Bibb County Georgia | 191 | $ 24,365,000 | $ 127,000 | $ 116,000 |
| Gwinnett County Georgia | 167 | $ 40,265,000 | $ 241,000 | $ 98,000 |
| Houston County Georgia | 154 | $ 20,270,000 | $ 131,000 | $ 87,000 |
| Aiken County South Carolina | 149 | $ 26,325,000 | $ 176,000 | $ 80,000 |
| Fulton County Georgia | 124 | $ 38,240,000 | $ 308,000 | $ 220,000 |
| Floyd County Georgia | 118 | $ 19,420,000 | $ 164,000 | $ 84,000 |
| Cobb County Georgia | 81 | $ 17,765,000 | $ 219,000 | $ 128,000 |
| Clarke County Georgia | 70 | $ 11,810,000 | $ 168,000 | $ 179,000 |
| Carroll County Georgia | 67 | $ 12,415,000 | $ 185,000 | $ 95,000 |
| DeKalb County Georgia | 62 | $ 14,700,000 | $ 237,000 | $ 142,000 |
| Laurens County Georgia | 51 | $ 8,015,000 | $ 157,000 | $ 91,000 |
| Monroe County Georgia | 51 | $ 8,505,000 | $ 166,000 | $ 158,000 |
| Whitfield County Georgia | 50 | $ 7,490,000 | $ 149,000 | $ 63,000 |
| Jones County Georgia | 47 | $ 3,925,000 | $ 83,000 | $ 75,000 |
| Gordon County Georgia | 46 | $ 7,230,000 | $ 157,000 | $ 96,000 |
| Bryan County Georgia | 44 | $ 9,660,000 | $ 219,000 | $ 96,000 |
| Effingham County Georgia | 34 | $ 7,200,000 | $ 211,000 | $ 87,000 |
| Pitt County North Carolina | 32 | $ 5,280,000 | $ 165,000 | $ 119,000 |
| Oconee County Georgia | 29 | $ 6,685,000 | $ 230,000 | $ 213,000 |
| Lowndes County Georgia | 28 | $ 4,070,000 | $ 145,000 | $ 80,000 |
| Hall County Georgia | 25 | $ 4,985,000 | $ 199,000 | $ 161,000 |
| Forsyth County Georgia | 23 | $ 6,485,000 | $ 281,000 | $ 130,000 |
| Tift County Georgia | 23 | $ 4,535,000 | $ 197,000 | $ 96,000 |
| Edgefield County South Carolina | 19 | $ 4,245,000 | $ 223,000 | $ 111,000 |
| Baldwin County Georgia | 18 | $ 4,680,000 | $ 260,000 | $ 111,000 |
| Cherokee County Georgia | 18 | $ 3,890,000 | $ 216,000 | $ 160,000 |
| Dougherty County Georgia | 17 | $ 3,345,000 | $ 196,000 | $ 113,000 |
| McDuffie County Georgia | 17 | $ 1,355,000 | $ 79,000 | $ 63,000 |
| Murray County Georgia | 17 | $ 2,675,000 | $ 157,000 | $ 60,000 |
| Paulding County Georgia | 17 | $ 3,375,000 | $ 198,000 | $ 105,000 |
| Craven County North Carolina | 16 | $ 2,640,000 | $ 165,000 | $ 131,000 |
| Wake County North Carolina | 16 | $ 4,100,000 | $ 256,000 | $ 130,000 |
| Douglas County Georgia | 15 | $ 3,245,000 | $ 216,000 | $ 118,000 |
| Peach County Georgia | 13 | $ 1,715,000 | $ 131,000 | $ 108,000 |
| Bartow County Georgia | 12 | $ 2,440,000 | $ 203,000 | $ 99,000 |
| Henry County Georgia | 12 | $ 2,450,000 | $ 204,000 | $ 109,000 |
| Liberty County Georgia | 12 | $ 1,870,000 | $ 155,000 | $ 87,000 |
| Greene County Georgia | 11 | $ 4,515,000 | $ 410,000 | $ 167,000 |
| Putnam County Georgia | 11 | $ 3,045,000 | $ 276,000 | $ 167,000 |
| Barrow County Georgia | 10 | $ 1,170,000 | $ 117,000 | $ 129,000 |
| Coweta County Georgia | 10 | $ 1,890,000 | $ 189,000 | $ 77,000 |
| Glynn County Georgia | 10 | $ 2,580,000 | $ 258,000 | $ 119,000 |
| Haralson County Georgia | 10 | $ 2,280,000 | $ 228,000 | $ 86,000 |
| Lee County Georgia | 10 | $ 2,080,000 | $ 208,000 | $ 95,000 |
| Lenoir County North Carolina | 10 | $ 1,580,000 | $ 158,000 | $ 72,000 |
| Charleston County South Carolina | 10 | $ 3,060,000 | $ 306,000 | $ 190,000 |
| Richland County South Carolina | 10 | $ 900,000 | $ 90,000 | $ 26,000 |
| Indian River County Florida | 9 | $ 1,545,000 | $ 171,000 | $ 123,000 |
| Tattnall County Georgia | 9 | $ 835,000 | $ 92,000 | $ 85,000 |
| Bulloch County Georgia | 8 | $ 1,030,000 | $ 128,000 | $ 123,000 |
| Crawford County Georgia | 8 | $ 1,190,000 | $ 148,000 | $ 83,000 |
| Beaufort County South Carolina | 8 | $ 1,300,000 | $ 162,000 | $ 144,000 |
| Fayette County Georgia | 7 | $ 1,275,000 | $ 182,000 | $ 83,000 |
| Lincoln County Georgia | 7 | $ 1,125,000 | $ 160,000 | $ 118,000 |
| Madison County Georgia | 7 | $ 405,000 | $ 57,000 | $ 91,000 |
| Polk County Georgia | 7 | $ 1,205,000 | $ 172,000 | $ 88,000 |
| Granville County North Carolina | 7 | $ 1,605,000 | $ 229,000 | $ 90,000 |
| Lexington County South Carolina | 7 | $ 1,295,000 | $ 185,000 | $ 117,000 |
| Chattooga County Georgia | 6 | $ 960,000 | $ 160,000 | $ 62,000 |
| Franklin County North Carolina | 6 | $ 1,050,000 | $ 175,000 | $ 91,000 |
| Orangeburg County South Carolina | 6 | $ 960,000 | $ 160,000 | $ 114,000 |
| Cherokee County Alabama | 5 | $ 855,000 | $ 171,000 | $ 82,000 |
| Bay County Florida | 5 | $ 1,485,000 | $ 297,000 | $ 726,000 |
| Clayton County Georgia | 5 | $ 625,000 | $ 125,000 | $ 58,000 |
| Colquitt County Georgia | 5 | $ 685,000 | $ 137,000 | $ 73,000 |
| Crisp County Georgia | 5 | $ 805,000 | $ 161,000 | $ 275,000 |
| Mecklenburg County North Carolina | 5 | $ 955,000 | $ 191,000 | $ 122,000 |
| Cullman County Alabama | 4 | $ 730,000 | $ 182,000 | $ 90,000 |
| Palm Beach County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 211,000 |
| Berrien County Georgia | 4 | $ 370,000 | $ 92,000 | $ 41,000 |
| Bleckley County Georgia | 4 | $ 760,000 | $ 190,000 | $ 68,000 |
| Cook County Georgia | 4 | $ 510,000 | $ 127,000 | $ 48,000 |
| Dodge County Georgia | 4 | $ 590,000 | $ 147,000 | $ 73,000 |
| Jackson County Georgia | 4 | $ 600,000 | $ 150,000 | $ 76,000 |
| Lamar County Georgia | 4 | $ 260,000 | $ 65,000 | $ 93,000 |
| Morgan County Georgia | 4 | $ 750,000 | $ 187,000 | $ 70,000 |
| Muscogee County Georgia | 4 | $ 460,000 | $ 115,000 | $ 40,000 |
| Turner County Georgia | 4 | $ 590,000 | $ 147,000 | $ 92,000 |
| Twiggs County Georgia | 4 | $ 260,000 | $ 65,000 | $ 46,000 |
| Carteret County North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 116,000 |
| Wayne County North Carolina | 4 | $ 910,000 | $ 227,000 | $ 81,000 |
| Berkeley County South Carolina | 4 | $ 710,000 | $ 177,000 | $ 52,000 |
| Lee County Alabama | 3 | $ 555,000 | $ 185,000 | $ 76,000 |
| Montgomery County Alabama | 3 | $ 475,000 | $ 158,000 | $ 48,000 |
| Duval County Florida | 3 | $ 985,000 | $ 328,000 | $ 167,000 |
| Walton County Florida | 3 | $ 1,635,000 | $ 545,000 | $ 333,000 |
| Burke County Georgia | 3 | $ 385,000 | $ 128,000 | $ 91,000 |
| Catoosa County Georgia | 3 | $ 835,000 | $ 278,000 | $ 125,000 |
| Dawson County Georgia | 3 | $ 885,000 | $ 295,000 | $ 273,000 |
| Gilmer County Georgia | 3 | $ 765,000 | $ 255,000 | $ 56,000 |
| McIntosh County Georgia | 3 | $ 575,000 | $ 191,000 | $ 80,000 |
| Rockdale County Georgia | 3 | $ 305,000 | $ 101,000 | $ 93,000 |
| Troup County Georgia | 3 | $ 375,000 | $ 125,000 | $ 81,000 |
| Worth County Georgia | 3 | $ 295,000 | $ 98,000 | $ 40,000 |
| Macon County North Carolina | 3 | $ 725,000 | $ 241,000 | $ 159,000 |
| New Hanover County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 120,000 |
| Pamlico County North Carolina | 3 | $ 575,000 | $ 191,000 | $ 82,000 |
| Pender County North Carolina | 3 | $ 635,000 | $ 211,000 | $ 143,000 |
| Vance County North Carolina | 3 | $ 825,000 | $ 275,000 | $ 144,000 |
| Dorchester County South Carolina | 3 | $ 605,000 | $ 201,000 | $ 66,000 |
| Florence County South Carolina | 3 | $ 485,000 | $ 161,000 | $ 103,000 |
| Oconee County South Carolina | 3 | $ 1,105,000 | $ 368,000 | $ 152,000 |
| Hamilton County Tennessee | 3 | $ 6,195,000 | $ 2,065,000 | $ 82,000 |
| Mecklenburg County Virginia | 3 | $ 745,000 | $ 248,000 | $ 114,000 |
| Russell County Alabama | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Collier County Florida | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Okaloosa County Florida | 2 | $ 1,120,000 | $ 560,000 | $ 123,000 |
| Orange County Florida | 2 | $ 690,000 | $ 345,000 | $ 267,000 |
| Butts County Georgia | 2 | $ 410,000 | $ 205,000 | $ 152,000 |
| Dooly County Georgia | 2 | $ 100,000 | $ 50,000 | $ 39,000 |
| Johnson County Georgia | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| Lanier County Georgia | 2 | $ 170,000 | $ 85,000 | $ 26,000 |
| Lumpkin County Georgia | 2 | $ 390,000 | $ 195,000 | $ 59,000 |
| Pike County Georgia | 2 | $ 400,000 | $ 200,000 | $ 58,000 |
| Pulaski County Georgia | 2 | $ 210,000 | $ 105,000 | $ 125,000 |
| Spalding County Georgia | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| Thomas County Georgia | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Treutlen County Georgia | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Union County Georgia | 2 | $ 530,000 | $ 265,000 | $ 252,000 |
| Walton County Georgia | 2 | $ 340,000 | $ 170,000 | $ 43,000 |
| Warren County Georgia | 2 | $ 70,000 | $ 35,000 | $ 42,000 |
| Wilkes County Georgia | 2 | $ 220,000 | $ 110,000 | $ 64,000 |
| Beaufort County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 132,000 |
| Durham County North Carolina | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Jones County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 90,000 |
| Watauga County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 155,000 |
| Bamberg County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Horry County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 276,000 |
| Davidson County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Williamson County Tennessee | 2 | $ 860,000 | $ 430,000 | $ 76,000 |
| Chilton County Alabama | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Elmore County Alabama | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| Etowah County Alabama | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Mobile County Alabama | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Randolph County Alabama | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Shelby County Alabama | 1 | $ 305,000 | $ 305,000 | $ 53,000 |
| Broward County Florida | 1 | $ 245,000 | $ 245,000 | $ 161,000 |
| Lee County Florida | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Pasco County Florida | 1 | $ 295,000 | $ 295,000 | $ 98,000 |
| Pinellas County Florida | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Sarasota County Florida | 1 | $ 505,000 | $ 505,000 | $ 127,000 |
| St. Lucie County Florida | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 352,000 |
| Appling County Georgia | 1 | $ 185,000 | $ 185,000 | $ 25,000 |
| Banks County Georgia | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Brooks County Georgia | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Candler County Georgia | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Coffee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| Elbert County Georgia | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Emanuel County Georgia | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Fannin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Habersham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Harris County Georgia | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Heard County Georgia | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Jefferson County Georgia | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Long County Georgia | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Meriwether County Georgia | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Oglethorpe County Georgia | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Pickens County Georgia | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Pierce County Georgia | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Quitman County Georgia | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Schley County Georgia | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Stephens County Georgia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Talbot County Georgia | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Terrell County Georgia | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Towns County Georgia | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Ware County Georgia | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Wheeler County Georgia | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Wilcox County Georgia | 1 | $ 125,000 | $ 125,000 | $ 157,000 |
| New York County New York | 1 | $ 3,755,000 | $ 3,755,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Avery County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 315,000 |
| Brunswick County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Clay County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Cumberland County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Dare County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 672,000 |
| Greene County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Jackson County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Johnston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Moore County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Nash County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Person County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Union County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Wilson County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 139,000 |
| Anderson County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Darlington County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Greenville County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 142,000 |
| Marlboro County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Newberry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 177,000 |
| Saluda County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 216,000 |
| York County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 198,000 |
| Rutherford County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Prince William County Virginia | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for State Bank And 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 | 2,021 | $412,905,000 | $204,000 | $5,855,000 | $96,000 | $2,699,000 |
| Refinancing | 433 | $88,955,000 | $205,000 | $3,005,000 | $136,000 | $750,000 |
| Home Improvement | 339 | $35,435,000 | $104,000 | $955,000 | $162,000 | $1,398,000 |
| Cash-out Refinancing | 194 | $39,300,000 | $202,000 | $1,185,000 | $101,000 | $578,000 |
| Other Purpose | 122 | $14,750,000 | $120,000 | $735,000 | $153,000 | $1,021,000 |
| 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 | 2,163 | $405,045,000 | $187,000 | $1,865,000 | $118,000 | $2,699,000 |
| Black or African American | 367 | $62,175,000 | $169,000 | $685,000 | $93,000 | $990,000 |
| Asian | 238 | $52,600,000 | $221,000 | $995,000 | $86,000 | $490,000 |
| Not Provided | 134 | $23,390,000 | $174,000 | $835,000 | $117,000 | $885,000 |
| Not applicable | 105 | $30,215,000 | $287,000 | $5,855,000 | $0 | $0 |
| Hispanic | 83 | $13,955,000 | $168,000 | $1,185,000 | $95,000 | $941,000 |
| American Indian or Alaskan Native | 4 | $710,000 | $177,000 | $325,000 | $71,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $86,000 | $86,000 |
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) | 2,232 | $431,450,000 | $193,000 | $5,855,000 | $128,000 | $2,699,000 |
| FHA-insured (Federal Housing Administration) | 409 | $67,915,000 | $166,000 | $365,000 | $69,000 | $260,000 |
| VA-guaranteed (Veterans Administration) | 366 | $78,240,000 | $213,000 | $605,000 | $81,000 | $320,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 102 | $13,740,000 | $134,000 | $305,000 | $49,000 | $103,000 |
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 | 2,387 | $456,345,000 | $191,000 | $5,855,000 | $114,000 | $2,699,000 |
| Application Denied By Financial Institution | 380 | $64,000,000 | $168,000 | $3,005,000 | $93,000 | $941,000 |
| Application Withdrawn By Applicant | 318 | $67,640,000 | $212,000 | $1,865,000 | $113,000 | $750,000 |
| Application Approved But Not Accepted | 24 | $3,360,000 | $140,000 | $405,000 | $139,000 | $410,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,729 | $527,345,000 | $193,000 | $5,855,000 | $114,000 | $2,699,000 |
| Credit History | 100 | $9,690,000 | $96,000 | $505,000 | $93,000 | $941,000 |
| Debt-To-Income Ratio | 86 | $15,570,000 | $181,000 | $995,000 | $76,000 | $304,000 |
| Credit Application Incomplete | 80 | $16,490,000 | $206,000 | $1,185,000 | $91,000 | $478,000 |
| Collateral | 56 | $6,900,000 | $123,000 | $525,000 | $122,000 | $920,000 |
| Other | 45 | $12,545,000 | $278,000 | $3,005,000 | $96,000 | $341,000 |
| Unverifiable Information | 8 | $1,960,000 | $245,000 | $615,000 | $93,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $455,000 | $151,000 | $195,000 | $49,000 | $73,000 |
| Employment History | 2 | $390,000 | $195,000 | $255,000 | $44,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank And 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 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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