Southern Bank And Trust Compan
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Southern Bank And Trust Compan 2012 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 Compan Po Box 729 Mt Olive, NC 28365 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,917 |
| Total Mortgage Loan Application Amount | $270,363,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $70,333 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Southern Bank And Trust Compan. 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 Compan's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Southern Bank And Trust Compan'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 Compan serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Bank And Trust Compan, 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 Compan's mortgage activity for 2012.
| 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 | 205 | $ 30,753,000 | $ 150,000 | $ 95,000 |
| Pitt County North Carolina | 115 | $ 15,771,000 | $ 137,000 | $ 112,000 |
| Hertford County North Carolina | 87 | $ 9,913,000 | $ 113,000 | $ 89,000 |
| Wake County North Carolina | 82 | $ 16,480,000 | $ 200,000 | $ 103,000 |
| Dare County North Carolina | 70 | $ 16,104,000 | $ 230,000 | $ 87,000 |
| Davidson County North Carolina | 61 | $ 7,321,000 | $ 120,000 | $ 64,000 |
| Wayne County North Carolina | 60 | $ 7,564,000 | $ 126,000 | $ 79,000 |
| Halifax County North Carolina | 59 | $ 6,020,000 | $ 102,000 | $ 60,000 |
| Beaufort County North Carolina | 54 | $ 6,596,000 | $ 122,000 | $ 88,000 |
| Chowan County North Carolina | 54 | $ 6,253,000 | $ 115,000 | $ 68,000 |
| Bertie County North Carolina | 50 | $ 6,061,000 | $ 121,000 | $ 71,000 |
| Moore County North Carolina | 48 | $ 8,401,000 | $ 175,000 | $ 64,000 |
| Henry County Virginia | 47 | $ 5,527,000 | $ 117,000 | $ 70,000 |
| Duplin County North Carolina | 41 | $ 4,150,000 | $ 101,000 | $ 69,000 |
| Guilford County North Carolina | 41 | $ 5,806,000 | $ 141,000 | $ 82,000 |
| Vance County North Carolina | 39 | $ 4,590,000 | $ 117,000 | $ 97,000 |
| Forsyth County North Carolina | 36 | $ 5,839,000 | $ 162,000 | $ 90,000 |
| Sampson County North Carolina | 36 | $ 4,286,000 | $ 119,000 | $ 81,000 |
| Gates County North Carolina | 34 | $ 4,118,000 | $ 121,000 | $ 58,000 |
| Montgomery County North Carolina | 34 | $ 4,503,000 | $ 132,000 | $ 84,000 |
| Cleveland County North Carolina | 32 | $ 5,230,000 | $ 163,000 | $ 89,000 |
| Edgecombe County North Carolina | 32 | $ 3,603,000 | $ 112,000 | $ 80,000 |
| Northampton County North Carolina | 32 | $ 2,604,000 | $ 81,000 | $ 95,000 |
| Franklin County Virginia | 30 | $ 4,804,000 | $ 160,000 | $ 63,000 |
| Randolph County North Carolina | 28 | $ 3,276,000 | $ 117,000 | $ 63,000 |
| Granville County North Carolina | 27 | $ 3,509,000 | $ 129,000 | $ 75,000 |
| Carteret County North Carolina | 25 | $ 5,145,000 | $ 205,000 | $ 163,000 |
| Lenoir County North Carolina | 25 | $ 2,902,000 | $ 116,000 | $ 55,000 |
| Person County North Carolina | 20 | $ 3,368,000 | $ 168,000 | $ 136,000 |
| Franklin County North Carolina | 19 | $ 2,324,000 | $ 122,000 | $ 79,000 |
| Hoke County North Carolina | 17 | $ 1,623,000 | $ 95,000 | $ 53,000 |
| Johnston County North Carolina | 16 | $ 1,922,000 | $ 120,000 | $ 73,000 |
| Harnett County North Carolina | 15 | $ 2,414,000 | $ 160,000 | $ 97,000 |
| Martinsville County Virginia | 15 | $ 1,292,000 | $ 86,000 | $ 54,000 |
| Martin County North Carolina | 14 | $ 1,375,000 | $ 98,000 | $ 51,000 |
| Rockingham County North Carolina | 13 | $ 1,696,000 | $ 130,000 | $ 101,000 |
| Washington County North Carolina | 13 | $ 1,179,000 | $ 90,000 | $ 64,000 |
| Onslow County North Carolina | 12 | $ 2,427,000 | $ 202,000 | $ 115,000 |
| Wilson County North Carolina | 10 | $ 1,407,000 | $ 140,000 | $ 61,000 |
| Hyde County North Carolina | 9 | $ 855,000 | $ 95,000 | $ 137,000 |
| Robeson County North Carolina | 9 | $ 610,000 | $ 67,000 | $ 46,000 |
| Virginia Beach County Virginia | 9 | $ 2,376,000 | $ 264,000 | $ 131,000 |
| Iredell County North Carolina | 8 | $ 1,721,000 | $ 215,000 | $ 59,000 |
| Perquimans County North Carolina | 8 | $ 1,029,000 | $ 128,000 | $ 54,000 |
| Mecklenburg County Virginia | 8 | $ 1,045,000 | $ 130,000 | $ 140,000 |
| Brunswick County North Carolina | 7 | $ 1,720,000 | $ 245,000 | $ 61,000 |
| Chatham County North Carolina | 7 | $ 1,209,000 | $ 172,000 | $ 54,000 |
| Warren County North Carolina | 7 | $ 786,000 | $ 112,000 | $ 73,000 |
| Norfolk County Virginia | 7 | $ 973,000 | $ 139,000 | $ 149,000 |
| Davie County North Carolina | 6 | $ 951,000 | $ 158,000 | $ 104,000 |
| Durham County North Carolina | 6 | $ 650,000 | $ 108,000 | $ 60,000 |
| Greene County North Carolina | 6 | $ 592,000 | $ 98,000 | $ 62,000 |
| New Hanover County North Carolina | 6 | $ 1,344,000 | $ 224,000 | $ 136,000 |
| Alamance County North Carolina | 5 | $ 738,000 | $ 147,000 | $ 56,000 |
| Currituck County North Carolina | 5 | $ 1,214,000 | $ 242,000 | $ 88,000 |
| Pender County North Carolina | 5 | $ 1,476,000 | $ 295,000 | $ 184,000 |
| Caswell County North Carolina | 4 | $ 714,000 | $ 178,000 | $ 94,000 |
| Mecklenburg County North Carolina | 4 | $ 620,000 | $ 155,000 | $ 67,000 |
| Orange County North Carolina | 4 | $ 1,085,000 | $ 271,000 | $ 87,000 |
| Rowan County North Carolina | 4 | $ 819,000 | $ 204,000 | $ 129,000 |
| Brunswick County Virginia | 4 | $ 510,000 | $ 127,000 | $ 60,000 |
| Chesapeake County Virginia | 4 | $ 358,000 | $ 89,000 | $ 51,000 |
| Patrick County Virginia | 4 | $ 1,075,000 | $ 268,000 | $ 57,000 |
| Roanoke County Virginia | 4 | $ 717,000 | $ 179,000 | $ 143,000 |
| Gaston County North Carolina | 3 | $ 291,000 | $ 97,000 | $ 89,000 |
| Horry County South Carolina | 3 | $ 716,000 | $ 238,000 | $ 361,000 |
| Isle of Wight County Virginia | 3 | $ 962,000 | $ 320,000 | $ 109,000 |
| Pittsylvania County Virginia | 3 | $ 442,000 | $ 147,000 | $ 33,000 |
| Craven County North Carolina | 2 | $ 105,000 | $ 52,000 | $ 71,000 |
| Pasquotank County North Carolina | 2 | $ 506,000 | $ 253,000 | $ 158,000 |
| Rutherford County North Carolina | 2 | $ 326,000 | $ 163,000 | $ 69,000 |
| Stokes County North Carolina | 2 | $ 289,000 | $ 144,000 | $ 58,000 |
| Charleston County South Carolina | 2 | $ 600,000 | $ 300,000 | $ 248,000 |
| Hampton County Virginia | 2 | $ 183,000 | $ 91,000 | $ 28,000 |
| Southampton County Virginia | 2 | $ 196,000 | $ 98,000 | $ 53,000 |
| Alleghany County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Ashe County North Carolina | 1 | $ 334,000 | $ 334,000 | $ 229,000 |
| Avery County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Bladen County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 88,000 |
| Cabarrus County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Catawba County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 333,000 |
| Cumberland County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 141,000 |
| Lee County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Lincoln County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Mitchell County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 86,000 |
| Richmond County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 16,000 |
| Stanly County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Tyrrell County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Watauga County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 300,000 |
| Wilkes County North Carolina | 1 | $ 531,000 | $ 531,000 | $ 137,000 |
| Richland County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 300,000 |
| York County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 102,000 |
| Carroll County Virginia | 1 | $ 176,000 | $ 176,000 | $ 54,000 |
| Dinwiddie County Virginia | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Lunenburg County Virginia | 1 | $ 116,000 | $ 116,000 | $ 116,000 |
| Northampton County Virginia | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 118,000 | $ 118,000 | $ 57,000 |
| Roanoke City County Virginia | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Southern Bank And Trust Compan in 2012
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 | 1,341 | $200,118,000 | $149,000 | $910,000 | $88,000 | $999,000 |
| Home Purchase | 539 | $68,455,000 | $127,000 | $1,120,000 | $77,000 | $1,000,000 |
| Home Improvement | 37 | $1,790,000 | $48,000 | $400,000 | $46,000 | $137,000 |
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 | 1,686 | $244,915,000 | $145,000 | $1,120,000 | $88,000 | $1,000,000 |
| Black or African American | 148 | $13,270,000 | $89,000 | $380,000 | $57,000 | $376,000 |
| Hispanic | 28 | $3,519,000 | $125,000 | $296,000 | $67,000 | $192,000 |
| Not applicable | 26 | $4,142,000 | $159,000 | $910,000 | $0 | $0 |
| Asian | 18 | $3,097,000 | $172,000 | $800,000 | $116,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,128,000 | $188,000 | $360,000 | $162,000 | $493,000 |
| American Indian or Alaskan Native | 5 | $292,000 | $58,000 | $71,000 | $32,000 | $64,000 |
| 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) | 1,792 | $257,558,000 | $143,000 | $1,120,000 | $87,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 104 | $10,100,000 | $97,000 | $240,000 | $36,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,465,000 | $133,000 | $270,000 | $57,000 | $126,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,240,000 | $124,000 | $219,000 | $54,000 | $94,000 |
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 | 1,274 | $180,579,000 | $141,000 | $910,000 | $91,000 | $1,000,000 |
| Application Denied By Financial Institution | 262 | $31,820,000 | $121,000 | $566,000 | $57,000 | $438,000 |
| Application Approved But Not Accepted | 154 | $23,679,000 | $153,000 | $417,000 | $95,000 | $721,000 |
| Application Withdrawn By Applicant | 153 | $24,710,000 | $161,000 | $1,120,000 | $80,000 | $466,000 |
| Preapproval Denied by Financial Institution | 65 | $7,793,000 | $119,000 | $415,000 | $42,000 | $124,000 |
| File Closed For Incompleteness | 9 | $1,782,000 | $198,000 | $405,000 | $117,000 | $467,000 |
| 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 Compan's 2012 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 Compan'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.