HMDA records
3,021
2025
Institution profile
The State Bank and Trust Company
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
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HMDA activity
Public HMDA records are available for 2019–2025.
Loan originations
1,380
2025
Denials
154
2025
Withdrawals
300
2025
Denial rate among decisioned applications
9.9%
2025
Annual history
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 3,021 | 1,380 | 27 | 154 | 300 | 9.9% |
| 2024 | 2,761 | 1,252 | 14 | 130 | 219 | 9.3% |
| 2023 | 2,529 | 1,071 | 14 | 147 | 187 | 11.9% |
| 2022 | 3,303 | 1,477 | 21 | 196 | 243 | 11.6% |
| 2021 | 4,737 | 2,459 | 15 | 235 | 391 | 8.7% |
| 2020 | 5,553 | 3,155 | 11 | 302 | 544 | 8.7% |
| 2019 | 2,591 | 2,067 | 7 | 155 | 266 | 7.0% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 2,679 |
| FHA | 285 |
| VA | 39 |
| RHS / FSA | 18 |
| Home purchase | 2,198 |
| Home improvement | 273 |
| Refinancing | 325 |
| Cash-out refinancing | 101 |
State reporting
17 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.