Southern Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010

Southern Bank And Trust Company 2010 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 Southern Bank And Trust Company
Po Box 729
Mount Olive, NC 28365
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,831
Total Mortgage Loan Application Amount $253,642,000
Average Mortgage Loan Application Amount $99,666
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $79,333
Highest Applicant Income $2,097,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Southern 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 Southern Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2010 breaks down Southern 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 Southern Bank And Trust Company serves its applicants.

Each category highlights the total number of mortgage applications processed by Southern 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 Southern Bank And Trust Company's mortgage activity for 2010.

Mortgage Loan Application Totals for Southern Bank And Trust Company by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Nash County North Carolina 174 $ 24,883,000 $ 143,000 $ 88,000
Pitt County North Carolina 106 $ 14,314,000 $ 135,000 $ 111,000
Wake County North Carolina 104 $ 21,104,000 $ 202,000 $ 223,000
Beaufort County North Carolina 63 $ 7,919,000 $ 125,000 $ 87,000
Davidson County North Carolina 63 $ 8,320,000 $ 132,000 $ 68,000
Cleveland County North Carolina 60 $ 6,931,000 $ 115,000 $ 65,000
Hertford County North Carolina 55 $ 6,880,000 $ 125,000 $ 84,000
Bertie County North Carolina 52 $ 5,208,000 $ 100,000 $ 64,000
Wayne County North Carolina 51 $ 4,958,000 $ 97,000 $ 56,000
Edgecombe County North Carolina 47 $ 5,612,000 $ 119,000 $ 86,000
Halifax County North Carolina 46 $ 4,921,000 $ 106,000 $ 55,000
Montgomery County North Carolina 45 $ 4,799,000 $ 106,000 $ 70,000
Forsyth County North Carolina 43 $ 7,682,000 $ 178,000 $ 111,000
Henry County Virginia 42 $ 4,591,000 $ 109,000 $ 52,000
Dare County North Carolina 41 $ 8,459,000 $ 206,000 $ 104,000
Randolph County North Carolina 41 $ 5,276,000 $ 128,000 $ 75,000
Guilford County North Carolina 40 $ 5,750,000 $ 143,000 $ 64,000
Moore County North Carolina 39 $ 6,110,000 $ 156,000 $ 80,000
Duplin County North Carolina 38 $ 3,966,000 $ 104,000 $ 71,000
Franklin County Virginia 36 $ 6,065,000 $ 168,000 $ 78,000
Person County North Carolina 32 $ 6,818,000 $ 213,000 $ 115,000
Gaston County North Carolina 30 $ 4,026,000 $ 134,000 $ 94,000
Harnett County North Carolina 28 $ 3,989,000 $ 142,000 $ 68,000
Alamance County North Carolina 27 $ 3,490,000 $ 129,000 $ 95,000
Chowan County North Carolina 27 $ 4,193,000 $ 155,000 $ 73,000
Richmond County North Carolina 27 $ 2,947,000 $ 109,000 $ 62,000
Granville County North Carolina 26 $ 3,128,000 $ 120,000 $ 98,000
Northampton County North Carolina 26 $ 2,739,000 $ 105,000 $ 112,000
Sampson County North Carolina 24 $ 2,923,000 $ 121,000 $ 85,000
Lenoir County North Carolina 22 $ 2,068,000 $ 94,000 $ 59,000
Wilson County North Carolina 18 $ 2,398,000 $ 133,000 $ 65,000
Gates County North Carolina 17 $ 2,061,000 $ 121,000 $ 57,000
Robeson County North Carolina 17 $ 1,138,000 $ 66,000 $ 59,000
Rockingham County North Carolina 17 $ 2,551,000 $ 150,000 $ 100,000
Johnston County North Carolina 16 $ 1,845,000 $ 115,000 $ 53,000
Lee County North Carolina 16 $ 1,928,000 $ 120,000 $ 88,000
Carteret County North Carolina 14 $ 3,591,000 $ 256,000 $ 216,000
Hoke County North Carolina 13 $ 1,613,000 $ 124,000 $ 94,000
Chatham County North Carolina 12 $ 1,587,000 $ 132,000 $ 46,000
Franklin County North Carolina 12 $ 1,431,000 $ 119,000 $ 67,000
Rowan County North Carolina 12 $ 2,111,000 $ 175,000 $ 83,000
Durham County North Carolina 11 $ 1,938,000 $ 176,000 $ 102,000
Martinsville County Virginia 11 $ 1,046,000 $ 95,000 $ 47,000
Martin County North Carolina 10 $ 756,000 $ 75,000 $ 79,000
Vance County North Carolina 10 $ 991,000 $ 99,000 $ 78,000
Washington County North Carolina 10 $ 1,042,000 $ 104,000 $ 76,000
Horry County South Carolina 9 $ 1,497,000 $ 166,000 $ 66,000
Iredell County North Carolina 8 $ 1,519,000 $ 189,000 $ 116,000
Brunswick County North Carolina 7 $ 1,225,000 $ 175,000 $ 152,000
Hyde County North Carolina 7 $ 556,000 $ 79,000 $ 53,000
Pender County North Carolina 7 $ 1,642,000 $ 234,000 $ 119,000
Caswell County North Carolina 6 $ 515,000 $ 85,000 $ 31,000
Mecklenburg County North Carolina 5 $ 897,000 $ 179,000 $ 116,000
New Hanover County North Carolina 5 $ 1,375,000 $ 275,000 $ 145,000
Warren County North Carolina 5 $ 1,139,000 $ 227,000 $ 236,000
Mecklenburg County Virginia 5 $ 524,000 $ 104,000 $ 37,000
Orange County North Carolina 4 $ 582,000 $ 145,000 $ 51,000
Bladen County North Carolina 3 $ 262,000 $ 87,000 $ 115,000
Craven County North Carolina 3 $ 403,000 $ 134,000 $ 119,000
Cumberland County North Carolina 3 $ 432,000 $ 144,000 $ 66,000
Currituck County North Carolina 3 $ 427,000 $ 142,000 $ 39,000
Greene County North Carolina 3 $ 285,000 $ 95,000 $ 46,000
Stanly County North Carolina 3 $ 636,000 $ 212,000 $ 85,000
Roanoke City County Virginia 3 $ 280,000 $ 93,000 $ 62,000
Cabarrus County North Carolina 2 $ 593,000 $ 296,000 $ 102,000
Catawba County North Carolina 2 $ 433,000 $ 216,000 $ 157,000
Davie County North Carolina 2 $ 292,000 $ 146,000 $ 102,000
Lincoln County North Carolina 2 $ 315,000 $ 157,000 $ 85,000
Onslow County North Carolina 2 $ 1,598,000 $ 799,000 $ 322,000
Pamlico County North Carolina 2 $ 52,000 $ 26,000 $ 40,000
Perquimans County North Carolina 2 $ 273,000 $ 136,000 $ 98,000
Sevier County Tennessee 2 $ 443,000 $ 221,000 $ 89,000
Greensville County Virginia 2 $ 262,000 $ 131,000 $ 40,000
Avery County North Carolina 1 $ 345,000 $ 345,000 $ 180,000
Burke County North Carolina 1 $ 300,000 $ 300,000 $ 100,000
Caldwell County North Carolina 1 $ 89,000 $ 89,000 $ 31,000
Haywood County North Carolina 1 $ 130,000 $ 130,000 $ 283,000
Jones County North Carolina 1 $ 126,000 $ 126,000 $ 91,000
Pasquotank County North Carolina 1 $ 79,000 $ 79,000 $ 198,000
Rutherford County North Carolina 1 $ 180,000 $ 180,000 $ 74,000
Scotland County North Carolina 1 $ 41,000 $ 41,000 $ 27,000
Stokes County North Carolina 1 $ 120,000 $ 120,000 $ 6,000
Tyrrell County North Carolina 1 $ 165,000 $ 165,000 $ 66,000
Union County North Carolina 1 $ 130,000 $ 130,000 $ 312,000
Yadkin County North Carolina 1 $ 215,000 $ 215,000 $ 84,000
Yancey County North Carolina 1 $ 120,000 $ 120,000 $ 1,671,000
Charleston County South Carolina 1 $ 145,000 $ 145,000 $ 167,000
Darlington County South Carolina 1 $ 160,000 $ 160,000 $ 79,000
Marlboro County South Carolina 1 $ 40,000 $ 40,000 $ 60,000
York County South Carolina 1 $ 200,000 $ 200,000 $ 15,000
Chesterfield County Virginia 1 $ 236,000 $ 236,000 $ 185,000
Lunenburg County Virginia 1 $ 122,000 $ 122,000 $ 56,000
Montgomery County Virginia 1 $ 181,000 $ 181,000 $ 73,000
Salem County Virginia 1 $ 109,000 $ 109,000 $ 46,000

Mortgage Loan Application Detail Totals for Southern Bank And Trust Company in 2010

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 1,372 $201,044,000 $146,000 $1,500,000 $97,000 $2,097,000
Home Purchase 432 $51,670,000 $119,000 $624,000 $74,000 $594,000
Home Improvement 27 $928,000 $34,000 $88,000 $67,000 $244,000

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 1,603 $227,827,000 $142,000 $1,500,000 $89,000 $1,671,000
Black or African American 136 $13,814,000 $101,000 $595,000 $60,000 $336,000
Hispanic 34 $3,388,000 $99,000 $292,000 $46,000 $121,000
Asian 28 $4,781,000 $170,000 $417,000 $490,000 $2,097,000
Not applicable 19 $2,824,000 $148,000 $586,000 $0 $0
American Indian or Alaskan Native 7 $639,000 $91,000 $272,000 $64,000 $157,000
Native Hawaiian or Other Pacific Islander 4 $369,000 $92,000 $155,000 $76,000 $186,000
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) 1,776 $247,737,000 $139,000 $1,500,000 $93,000 $2,097,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 55 $5,905,000 $107,000 $260,000 $37,000 $73,000
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
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 1,313 $185,157,000 $141,000 $1,500,000 $97,000 $2,097,000
Application Denied By Financial Institution 271 $31,123,000 $114,000 $487,000 $61,000 $1,382,000
Application Withdrawn By Applicant 150 $24,216,000 $161,000 $595,000 $81,000 $1,026,000
Application Approved But Not Accepted 48 $7,456,000 $155,000 $417,000 $169,000 $2,097,000
Preapproval Denied by Financial Institution 44 $5,111,000 $116,000 $360,000 $38,000 $120,000
File Closed For Incompleteness 5 $579,000 $115,000 $217,000 $74,000 $144,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 Southern Bank And Trust Company's 2010 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 Southern 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 North Carolina, download the full spreadsheet with aggregated HMDA statistics today.

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