2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
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 |
|---|---|---|---|---|
| Aiken County South Carolina | 149 | $ 26,325,000 | $ 176,000 | $ 80,000 |
| Alamance County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Anderson County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Appling County Georgia | 1 | $ 185,000 | $ 185,000 | $ 25,000 |
| Avery County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 315,000 |
| Baldwin County Georgia | 18 | $ 4,680,000 | $ 260,000 | $ 111,000 |
| Bamberg County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Banks County Georgia | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Barrow County Georgia | 10 | $ 1,170,000 | $ 117,000 | $ 129,000 |
| Bartow County Georgia | 12 | $ 2,440,000 | $ 203,000 | $ 99,000 |
| Bay County Florida | 5 | $ 1,485,000 | $ 297,000 | $ 726,000 |
| Beaufort County North Carolina | 2 | $ 440,000 | $ 220,000 | $ 132,000 |
| Beaufort County South Carolina | 8 | $ 1,300,000 | $ 162,000 | $ 144,000 |
| Berkeley County South Carolina | 4 | $ 710,000 | $ 177,000 | $ 52,000 |
| Berrien County Georgia | 4 | $ 370,000 | $ 92,000 | $ 41,000 |
| Bibb County Georgia | 191 | $ 24,365,000 | $ 127,000 | $ 116,000 |
| Bleckley County Georgia | 4 | $ 760,000 | $ 190,000 | $ 68,000 |
| Brooks County Georgia | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Broward County Florida | 1 | $ 245,000 | $ 245,000 | $ 161,000 |
| Brunswick County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Bryan County Georgia | 44 | $ 9,660,000 | $ 219,000 | $ 96,000 |
| Bulloch County Georgia | 8 | $ 1,030,000 | $ 128,000 | $ 123,000 |
| Burke County Georgia | 3 | $ 385,000 | $ 128,000 | $ 91,000 |
| Butts County Georgia | 2 | $ 410,000 | $ 205,000 | $ 152,000 |
| Candler County Georgia | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Carroll County Georgia | 67 | $ 12,415,000 | $ 185,000 | $ 95,000 |
| Carteret County North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 116,000 |
| Catoosa County Georgia | 3 | $ 835,000 | $ 278,000 | $ 125,000 |
| Charleston County South Carolina | 10 | $ 3,060,000 | $ 306,000 | $ 190,000 |
| Chatham County Georgia | 197 | $ 40,265,000 | $ 204,000 | $ 105,000 |
| Chattooga County Georgia | 6 | $ 960,000 | $ 160,000 | $ 62,000 |
| Cherokee County Alabama | 5 | $ 855,000 | $ 171,000 | $ 82,000 |
| Cherokee County Georgia | 18 | $ 3,890,000 | $ 216,000 | $ 160,000 |
| Chilton County Alabama | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Clarke County Georgia | 70 | $ 11,810,000 | $ 168,000 | $ 179,000 |
| Clay County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Clayton County Georgia | 5 | $ 625,000 | $ 125,000 | $ 58,000 |
| Cobb County Georgia | 81 | $ 17,765,000 | $ 219,000 | $ 128,000 |
| Coffee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| Collier County Florida | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Colquitt County Georgia | 5 | $ 685,000 | $ 137,000 | $ 73,000 |
| Columbia County Georgia | 341 | $ 70,235,000 | $ 205,000 | $ 105,000 |
| Cook County Georgia | 4 | $ 510,000 | $ 127,000 | $ 48,000 |
| Coweta County Georgia | 10 | $ 1,890,000 | $ 189,000 | $ 77,000 |
| Craven County North Carolina | 16 | $ 2,640,000 | $ 165,000 | $ 131,000 |
| Crawford County Georgia | 8 | $ 1,190,000 | $ 148,000 | $ 83,000 |
| Crisp County Georgia | 5 | $ 805,000 | $ 161,000 | $ 275,000 |
| Cullman County Alabama | 4 | $ 730,000 | $ 182,000 | $ 90,000 |
| Cumberland County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Dare County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 672,000 |
| Darlington County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Davidson County Tennessee | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Dawson County Georgia | 3 | $ 885,000 | $ 295,000 | $ 273,000 |
| DeKalb County Georgia | 62 | $ 14,700,000 | $ 237,000 | $ 142,000 |
| Dodge County Georgia | 4 | $ 590,000 | $ 147,000 | $ 73,000 |
| Dooly County Georgia | 2 | $ 100,000 | $ 50,000 | $ 39,000 |
| Dorchester County South Carolina | 3 | $ 605,000 | $ 201,000 | $ 66,000 |
| Dougherty County Georgia | 17 | $ 3,345,000 | $ 196,000 | $ 113,000 |
| Douglas County Georgia | 15 | $ 3,245,000 | $ 216,000 | $ 118,000 |
| Durham County North Carolina | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Duval County Florida | 3 | $ 985,000 | $ 328,000 | $ 167,000 |
| Edgefield County South Carolina | 19 | $ 4,245,000 | $ 223,000 | $ 111,000 |
| Effingham County Georgia | 34 | $ 7,200,000 | $ 211,000 | $ 87,000 |
| Elbert County Georgia | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Elmore County Alabama | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| Emanuel County Georgia | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Etowah County Alabama | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Fannin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Fayette County Georgia | 7 | $ 1,275,000 | $ 182,000 | $ 83,000 |
| Florence County South Carolina | 3 | $ 485,000 | $ 161,000 | $ 103,000 |
| Floyd County Georgia | 118 | $ 19,420,000 | $ 164,000 | $ 84,000 |
| Forsyth County Georgia | 23 | $ 6,485,000 | $ 281,000 | $ 130,000 |
| Franklin County North Carolina | 6 | $ 1,050,000 | $ 175,000 | $ 91,000 |
| Fulton County Georgia | 124 | $ 38,240,000 | $ 308,000 | $ 220,000 |
| Gilmer County Georgia | 3 | $ 765,000 | $ 255,000 | $ 56,000 |
| Glynn County Georgia | 10 | $ 2,580,000 | $ 258,000 | $ 119,000 |
| Gordon County Georgia | 46 | $ 7,230,000 | $ 157,000 | $ 96,000 |
| Granville County North Carolina | 7 | $ 1,605,000 | $ 229,000 | $ 90,000 |
| Greene County Georgia | 11 | $ 4,515,000 | $ 410,000 | $ 167,000 |
| Greene County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Greenville County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 142,000 |
| Gwinnett County Georgia | 167 | $ 40,265,000 | $ 241,000 | $ 98,000 |
| Habersham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Hall County Georgia | 25 | $ 4,985,000 | $ 199,000 | $ 161,000 |
| Hamilton County Tennessee | 3 | $ 6,195,000 | $ 2,065,000 | $ 82,000 |
| Haralson County Georgia | 10 | $ 2,280,000 | $ 228,000 | $ 86,000 |
| Harris County Georgia | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Heard County Georgia | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Henry County Georgia | 12 | $ 2,450,000 | $ 204,000 | $ 109,000 |
| Horry County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 276,000 |
| Houston County Georgia | 154 | $ 20,270,000 | $ 131,000 | $ 87,000 |
| Indian River County Florida | 9 | $ 1,545,000 | $ 171,000 | $ 123,000 |
| Jackson County Georgia | 4 | $ 600,000 | $ 150,000 | $ 76,000 |
| Jackson County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Jefferson County Georgia | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Johnson County Georgia | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| Johnston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Jones County Georgia | 47 | $ 3,925,000 | $ 83,000 | $ 75,000 |
| Jones County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 90,000 |
| Lamar County Georgia | 4 | $ 260,000 | $ 65,000 | $ 93,000 |
| Lanier County Georgia | 2 | $ 170,000 | $ 85,000 | $ 26,000 |
| Laurens County Georgia | 51 | $ 8,015,000 | $ 157,000 | $ 91,000 |
| Lee County Alabama | 3 | $ 555,000 | $ 185,000 | $ 76,000 |
| Lee County Florida | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Lee County Georgia | 10 | $ 2,080,000 | $ 208,000 | $ 95,000 |
| Lenoir County North Carolina | 10 | $ 1,580,000 | $ 158,000 | $ 72,000 |
| Lexington County South Carolina | 7 | $ 1,295,000 | $ 185,000 | $ 117,000 |
| Liberty County Georgia | 12 | $ 1,870,000 | $ 155,000 | $ 87,000 |
| Lincoln County Georgia | 7 | $ 1,125,000 | $ 160,000 | $ 118,000 |
| Long County Georgia | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Lowndes County Georgia | 28 | $ 4,070,000 | $ 145,000 | $ 80,000 |
| Lumpkin County Georgia | 2 | $ 390,000 | $ 195,000 | $ 59,000 |
| Macon County North Carolina | 3 | $ 725,000 | $ 241,000 | $ 159,000 |
| Madison County Georgia | 7 | $ 405,000 | $ 57,000 | $ 91,000 |
| Marlboro County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| McDuffie County Georgia | 17 | $ 1,355,000 | $ 79,000 | $ 63,000 |
| McIntosh County Georgia | 3 | $ 575,000 | $ 191,000 | $ 80,000 |
| Mecklenburg County North Carolina | 5 | $ 955,000 | $ 191,000 | $ 122,000 |
| Mecklenburg County Virginia | 3 | $ 745,000 | $ 248,000 | $ 114,000 |
| Meriwether County Georgia | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Mobile County Alabama | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Monroe County Georgia | 51 | $ 8,505,000 | $ 166,000 | $ 158,000 |
| Montgomery County Alabama | 3 | $ 475,000 | $ 158,000 | $ 48,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 198,000 |
| Moore County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Morgan County Georgia | 4 | $ 750,000 | $ 187,000 | $ 70,000 |
| Murray County Georgia | 17 | $ 2,675,000 | $ 157,000 | $ 60,000 |
| Muscogee County Georgia | 4 | $ 460,000 | $ 115,000 | $ 40,000 |
| Nash County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| New Hanover County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 120,000 |
| New York County New York | 1 | $ 3,755,000 | $ 3,755,000 | $ 0 |
| Newberry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 177,000 |
| Oconee County Georgia | 29 | $ 6,685,000 | $ 230,000 | $ 213,000 |
| Oconee County South Carolina | 3 | $ 1,105,000 | $ 368,000 | $ 152,000 |
| Oglethorpe County Georgia | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Okaloosa County Florida | 2 | $ 1,120,000 | $ 560,000 | $ 123,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Orange County Florida | 2 | $ 690,000 | $ 345,000 | $ 267,000 |
| Orangeburg County South Carolina | 6 | $ 960,000 | $ 160,000 | $ 114,000 |
| Palm Beach County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 211,000 |
| Pamlico County North Carolina | 3 | $ 575,000 | $ 191,000 | $ 82,000 |
| Pasco County Florida | 1 | $ 295,000 | $ 295,000 | $ 98,000 |
| Paulding County Georgia | 17 | $ 3,375,000 | $ 198,000 | $ 105,000 |
| Peach County Georgia | 13 | $ 1,715,000 | $ 131,000 | $ 108,000 |
| Pender County North Carolina | 3 | $ 635,000 | $ 211,000 | $ 143,000 |
| Person County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Pickens County Georgia | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Pierce County Georgia | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Pike County Georgia | 2 | $ 400,000 | $ 200,000 | $ 58,000 |
| Pinellas County Florida | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Pitt County North Carolina | 32 | $ 5,280,000 | $ 165,000 | $ 119,000 |
| Polk County Georgia | 7 | $ 1,205,000 | $ 172,000 | $ 88,000 |
| Prince William County Virginia | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Pulaski County Georgia | 2 | $ 210,000 | $ 105,000 | $ 125,000 |
| Putnam County Georgia | 11 | $ 3,045,000 | $ 276,000 | $ 167,000 |
| Quitman County Georgia | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Randolph County Alabama | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Richland County South Carolina | 10 | $ 900,000 | $ 90,000 | $ 26,000 |
| Richmond County Georgia | 209 | $ 27,995,000 | $ 133,000 | $ 114,000 |
| Rockdale County Georgia | 3 | $ 305,000 | $ 101,000 | $ 93,000 |
| Russell County Alabama | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Rutherford County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Saluda County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 216,000 |
| Sarasota County Florida | 1 | $ 505,000 | $ 505,000 | $ 127,000 |
| Schley County Georgia | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Shelby County Alabama | 1 | $ 305,000 | $ 305,000 | $ 53,000 |
| Spalding County Georgia | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| St. Lucie County Florida | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Stephens County Georgia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Talbot County Georgia | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Tattnall County Georgia | 9 | $ 835,000 | $ 92,000 | $ 85,000 |
| Terrell County Georgia | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Thomas County Georgia | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Tift County Georgia | 23 | $ 4,535,000 | $ 197,000 | $ 96,000 |
| Towns County Georgia | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Treutlen County Georgia | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Troup County Georgia | 3 | $ 375,000 | $ 125,000 | $ 81,000 |
| Turner County Georgia | 4 | $ 590,000 | $ 147,000 | $ 92,000 |
| Twiggs County Georgia | 4 | $ 260,000 | $ 65,000 | $ 46,000 |
| Union County Georgia | 2 | $ 530,000 | $ 265,000 | $ 252,000 |
| Union County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Vance County North Carolina | 3 | $ 825,000 | $ 275,000 | $ 144,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 352,000 |
| Wake County North Carolina | 16 | $ 4,100,000 | $ 256,000 | $ 130,000 |
| Walton County Florida | 3 | $ 1,635,000 | $ 545,000 | $ 333,000 |
| Walton County Georgia | 2 | $ 340,000 | $ 170,000 | $ 43,000 |
| Ware County Georgia | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Warren County Georgia | 2 | $ 70,000 | $ 35,000 | $ 42,000 |
| Watauga County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 155,000 |
| Wayne County North Carolina | 4 | $ 910,000 | $ 227,000 | $ 81,000 |
| Wheeler County Georgia | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Whitfield County Georgia | 50 | $ 7,490,000 | $ 149,000 | $ 63,000 |
| Wilcox County Georgia | 1 | $ 125,000 | $ 125,000 | $ 157,000 |
| Wilkes County Georgia | 2 | $ 220,000 | $ 110,000 | $ 64,000 |
| Williamson County Tennessee | 2 | $ 860,000 | $ 430,000 | $ 76,000 |
| Wilson County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 139,000 |
| Worth County Georgia | 3 | $ 295,000 | $ 98,000 | $ 40,000 |
| York County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
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 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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