# Sabine State Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/sabine-state-bank-and-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Sabine State Bank and Trust Company is a bank, headquartered in Many, LA, serving borrowers across 4 states, with 88 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900GNK8YXIZQ6LW40
- **Headquarters:** Many, LA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** GA, LA, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.622%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,303
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 88
- **Dollar Volume:** $18 million
- **Applications Received:** 173
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $203,182
- **Average Borrower Income:** $117,511

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 38 | +0.765% | $2,317 | Acceptable 🙂 |
| FHA | 54/100 | 24 | +0.462% | $2,501 | Sound ☺️ |
| USDA | 76/100 | 24 | +0.682% | $1,645 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 22/100 (Acceptable)

**FHA:**
- Purchase: 21 loans, Score: 53/100 (Sound)

**USDA:**
- Purchase: 24 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 75 | $16M | +0.607% | Sound ☺️ |
| Refinance | 26/100 | 13 | $2M | +0.689% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 72 | 0.21% | 68/100 |
| TX | 14 | 0.00% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 65 | 56/100 |
| Alexandria, LA | LA | 13 | 51/100 |

## Frequently Asked Questions

### What loan types does Sabine State Bank and Trust Company offer?

Sabine State Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Sabine State Bank and Trust Company offer mortgages?

Sabine State Bank and Trust Company offers mortgages in 4 states: GA, LA, OK, TX.

### How competitive are Sabine State Bank and Trust Company's mortgage rates?

Sabine State Bank and Trust Company has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.622% above market average.

### What type of lender is Sabine State Bank and Trust Company?

Sabine State Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Many, LA.

### What is Sabine State Bank and Trust Company's loan approval success rate?

Sabine State Bank and Trust Company has a pull-through score of 26/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/sabine-state-bank-and-trust

### How to Cite

> "Sabine State Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sabine-state-bank-and-trust

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