The State Bank and Trust Company closing costs and rates (2024)
In 2024, The State Bank and Trust Company originated 728 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $3,796. That ranks #492 nationally by origination volume. For total closing costs among lenders with 500+ originations, The State Bank and Trust Company ranks #99. That is $2,945 below the national median of $6,741. The State Bank and Trust Company is most active in Ohio with 515 originations there.
Purchase Originations
728
Ranked #492 nationally
Median Total Costs
$3,796
−43.7% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$965
Median Lender Credits
$71
Cost Rank (500+ vol.)
#99
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 675 | 6.500% | $3,706 | $875 |
| fha | 40 | 6.625% | $8,137 | $985 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 515 | 6.500% | $3,990 | #43 |
| Indiana | 185 | 6.625% | $3,044 | #87 |
| Michigan | 9 | 6.625% | $3,794 | — |
| Kentucky | 5 | 6.500% | $3,725 | — |
| Florida | 4 | 6.562% | $5,511 | — |
| Alabama | 2 | 6.875% | $4,378 | — |
| North Carolina | 2 | 6.062% | $4,141 | — |
| South Carolina | 2 | 6.812% | $5,356 | — |
| Connecticut | 1 | 7.000% | $5,614 | — |
| Georgia | 1 | 6.000% | $3,833 | — |
| Rhode Island | 1 | 5.375% | $6,619 | — |
| Tennessee | 1 | 6.125% | $4,264 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,938 | 6.625% | — | 56 | −$858 | |
| 2 | $2,955 | 6.500% | — | 5 | −$841 | |
| 3 | $3,081 | 6.625% | — | 46 | −$715 | |
| 4 | $3,084 | 6.750% | — | 17 | −$712 | |
| 5 | $3,093 | 6.625% | — | 12 | −$703 | |
| 6 | $3,246 | 6.625% | — | 11 | −$550 | |
| 7 | $3,312 | 6.500% | — | 36 | −$484 | |
| 8 | $3,324 | 6.625% | — | 21 | −$472 | |
| 9 | $3,456 | 6.500% | — | 50 | −$340 | |
| 10 | $3,584 | 6.625% | — | 27 | −$212 | |
| 11 | $3,664 | 6.500% | — | 43 | −$132 | |
| 12 | $3,854 | 6.438% | — | 14 | +$58 | |
| 13 | $3,881 | 6.375% | — | 12 | +$85 | |
| 14 | $4,287 | 6.625% | — | 165 | +$491 | |
| 15 | $4,307 | 6.500% | — | 25 | +$511 | |
| 16 | $4,384 | 6.625% | — | 11 | +$588 | |
| 17 | $4,484 | 6.875% | — | 9 | +$688 | |
| 18 | $4,712 | 6.750% | — | 8 | +$916 | |
| 19 | $4,719 | 6.500% | — | 28 | +$923 | |
| 20 | $5,991 | 6.500% | — | 9 | +$2,195 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.