Sabine State Bank and Trust Company: 2025 mortgage rates, costs & approvals
How Sabine State Bank and Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Sabine State Bank and Trust Company · LEI 254900GNK8YXIZQ6LW40
In 2025, Sabine State Bank and Trust Company originated 103 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1820th by volume among the 2,017 lenders profiled here.
It denied 20.0% of completed home-purchase applications (all lenders: 8.5%).
How Sabine State Bank and Trust Company priced home-purchase loans
| Purchase loans, 2025 | Sabine State Bank and Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Sabine State Bank and Trust Company lends
Counties where Sabine State Bank and Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sabine Parish, LA | 1 | 24 | 19.2% |
| Allen Parish, LA | 3 | 8 | 7.9% |
| Newton County, TX | 6 | 2 | 4.1% |
| Sabine County, TX | 8 | 3 | 3.9% |
| Grant Parish, LA | 6 | 6 | 3.7% |
| Natchitoches Parish, LA | 8 | 7 | 3.2% |
| Catahoula Parish, LA | 9 | 1 | 2.9% |
| Vernon Parish, LA | 9 | 10 | 2.7% |
| Shelby County, TX | 7 | 3 | 2.6% |
| San Augustine County, TX | 7 | 1 | 2.6% |
| Winn Parish, LA | 12 | 1 | 2.0% |
| Jasper County, TX | 15 | 5 | 1.9% |
| Jackson Parish, LA | 15 | 1 | 1.6% |
| Rapides Parish, LA | 19 | 11 | 1.0% |
| LaSalle Parish, LA | 19 | 1 | 0.8% |
Check Sabine State Bank and Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900GNK8YXIZQ6LW40.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Sabine State Bank and Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology