The State Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, The State Bank & Trust Company of Defiance, OH reported 3,021 mortgage applications totaling $826.3 million, up 9% from 2024. The average application was for $273,526, and applicants reported an average income of $144,058. 46% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (451), Indianapolis-Carmel-Anderson, IN (259) and Toledo, OH (242) (applications in parentheses).
| Mortgage Company & Address | The State Bank & Trust Company 401 Clinton Street Defiance, OH 43512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,021 |
| Total Mortgage Loan Application Amount | $826,325,000 |
| Average Mortgage Loan Application Amount | $273,526 |
| Highest Mortgage Loan Application Amount | $11,505,000 |
| Average Applicant Income | $144,058 |
| Highest Applicant Income | $7,268,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin, Ohio | 286 | $ 122,080,000 | $ 426,853 | $ 209,000 |
| Williams, Ohio | 149 | $ 20,835,000 | $ 139,832 | $ 97,000 |
| Defiance, Ohio | 127 | $ 17,345,000 | $ 136,574 | $ 106,000 |
| Paulding, Ohio | 121 | $ 16,175,000 | $ 133,677 | $ 86,000 |
| Hamilton, Indiana | 108 | $ 38,510,000 | $ 356,574 | $ 185,000 |
| Fulton, Ohio | 104 | $ 16,570,000 | $ 159,326 | $ 105,000 |
| Delaware, Ohio | 85 | $ 54,425,000 | $ 640,294 | $ 298,000 |
| Marion, Indiana | 84 | $ 23,090,000 | $ 274,880 | $ 142,000 |
| Lucas, Ohio | 84 | $ 23,690,000 | $ 282,023 | $ 183,000 |
| Allen, Ohio | 68 | $ 10,360,000 | $ 152,352 | $ 104,000 |
| Wood, Ohio | 54 | $ 14,700,000 | $ 272,222 | $ 177,000 |
| Allen, Indiana | 46 | $ 12,860,000 | $ 279,565 | $ 198,000 |
| Hamilton, Ohio | 39 | $ 10,985,000 | $ 281,666 | $ 100,000 |
| Henry, Ohio | 37 | $ 4,575,000 | $ 123,648 | $ 84,000 |
| Hancock, Ohio | 26 | $ 6,270,000 | $ 241,153 | $ 596,000 |
| Fairfield, Ohio | 25 | $ 7,165,000 | $ 286,600 | $ 177,000 |
| Boone, Indiana | 23 | $ 11,765,000 | $ 511,521 | $ 284,000 |
| Steuben, Indiana | 23 | $ 5,765,000 | $ 250,652 | $ 240,000 |
| DeKalb, Indiana | 20 | $ 3,650,000 | $ 182,500 | $ 108,000 |
| Kenton, Kentucky | 20 | $ 4,490,000 | $ 224,500 | $ 85,000 |
| Campbell, Kentucky | 19 | $ 5,365,000 | $ 282,368 | $ 129,000 |
| Licking, Ohio | 19 | $ 4,185,000 | $ 220,263 | $ 186,000 |
| Union, Ohio | 17 | $ 5,875,000 | $ 345,588 | $ 295,000 |
| Putnam, Ohio | 16 | $ 2,270,000 | $ 141,875 | $ 109,000 |
| Hancock, Indiana | 14 | $ 4,520,000 | $ 322,857 | $ 166,000 |
| Ottawa, Ohio | 14 | $ 5,450,000 | $ 389,285 | $ 324,000 |
| Auglaize, Ohio | 13 | $ 2,665,000 | $ 205,000 | $ 119,000 |
| Madison, Indiana | 10 | $ 2,500,000 | $ 250,000 | $ 87,000 |
| Hillsdale, Michigan | 10 | $ 1,710,000 | $ 171,000 | $ 112,000 |
| Clark, Ohio | 9 | $ 1,045,000 | $ 116,111 | $ 105,000 |
| Henry, Indiana | 8 | $ 2,370,000 | $ 296,250 | $ 137,000 |
| Johnson, Indiana | 8 | $ 2,360,000 | $ 295,000 | $ 301,000 |
| Madison, Ohio | 8 | $ 2,430,000 | $ 303,750 | $ 127,000 |
| Hendricks, Indiana | 7 | $ 1,965,000 | $ 280,714 | $ 171,000 |
| Boone, Kentucky | 7 | $ 1,925,000 | $ 275,000 | $ 109,000 |
| Cuyahoga, Ohio | 7 | $ 2,255,000 | $ 322,142 | $ 195,000 |
| Van Wert, Ohio | 7 | $ 1,025,000 | $ 146,428 | $ 79,000 |
| Lenawee, Michigan | 6 | $ 770,000 | $ 128,333 | $ 154,000 |
| Montgomery, Ohio | 6 | $ 2,240,000 | $ 373,333 | $ 63,000 |
| Seneca, Ohio | 6 | $ 720,000 | $ 120,000 | $ 104,000 |
| Branch, Michigan | 5 | $ 1,105,000 | $ 221,000 | $ 370,000 |
| Morrow, Ohio | 5 | $ 3,435,000 | $ 687,000 | $ 137,000 |
| Pickaway, Ohio | 5 | $ 1,115,000 | $ 223,000 | $ 196,000 |
| Warren, Ohio | 5 | $ 1,915,000 | $ 383,000 | $ 116,000 |
| Kosciusko, Indiana | 4 | $ 960,000 | $ 240,000 | $ 211,000 |
| Lorain, Ohio | 4 | $ 1,350,000 | $ 337,500 | $ 197,000 |
| Sandusky, Ohio | 4 | $ 1,290,000 | $ 322,500 | $ 70,000 |
| Grant, Indiana | 3 | $ 365,000 | $ 121,666 | $ 85,000 |
| Noble, Indiana | 3 | $ 435,000 | $ 145,000 | $ 209,000 |
| Putnam, Indiana | 3 | $ 615,000 | $ 205,000 | $ 124,000 |
| Tipton, Indiana | 3 | $ 625,000 | $ 208,333 | $ 119,000 |
| Monroe, Michigan | 3 | $ 95,000 | $ 31,666 | $ 78,000 |
| Clermont, Ohio | 3 | $ 575,000 | $ 191,666 | $ 79,000 |
| Hardin, Ohio | 3 | $ 335,000 | $ 111,666 | $ 113,000 |
| Richland, Ohio | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| Citrus, Florida | 2 | $ 200,000 | $ 100,000 | $ 36,000 |
| Greene, Georgia | 2 | $ 1,240,000 | $ 620,000 | $ 422,000 |
| Delaware, Indiana | 2 | $ 310,000 | $ 155,000 | $ 109,000 |
| Howard, Indiana | 2 | $ 500,000 | $ 250,000 | $ 88,000 |
| Huntington, Indiana | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Calhoun, Michigan | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| Lake, Michigan | 2 | $ 110,000 | $ 55,000 | $ 63,000 |
| Manistee, Michigan | 2 | $ 1,530,000 | $ 765,000 | $ 679,000 |
| Butler, Ohio | 2 | $ 520,000 | $ 260,000 | $ 118,000 |
| Greene, Ohio | 2 | $ 790,000 | $ 395,000 | $ 125,000 |
| Knox, Ohio | 2 | $ 460,000 | $ 230,000 | $ 155,000 |
| Lake, Ohio | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| Miami, Ohio | 2 | $ 390,000 | $ 195,000 | $ 179,000 |
| Muskingum, Ohio | 2 | $ 500,000 | $ 250,000 | $ 109,000 |
| Summit, Ohio | 2 | $ 950,000 | $ 475,000 | $ 192,000 |
| Wyandot, Ohio | 2 | $ 500,000 | $ 250,000 | $ 159,000 |
| Brevard, Florida | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Lee, Florida | 1 | $ 345,000 | $ 345,000 | $ 746,000 |
| Polk, Florida | 1 | $ 125,000 | $ 125,000 | $ 141,000 |
| Bonner, Idaho | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
| Cook, Illinois | 1 | $ 285,000 | $ 285,000 | $ 543,000 |
| Brown, Indiana | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| Clinton, Indiana | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Dearborn, Indiana | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| Dubois, Indiana | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Elkhart, Indiana | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Monroe, Indiana | 1 | $ 855,000 | $ 855,000 | $ 450,000 |
| Montgomery, Indiana | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Morgan, Indiana | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Parke, Indiana | 1 | $ 605,000 | $ 605,000 | $ 231,000 |
| Vigo, Indiana | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| White, Indiana | 1 | $ 205,000 | $ 205,000 | $ 161,000 |
| Clark, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Fayette, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Gallatin, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 179,000 |
| Grant, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 49,000 |
| Owen, Kentucky | 1 | $ 375,000 | $ 375,000 | $ 182,000 |
| Pendleton, Kentucky | 1 | $ 465,000 | $ 465,000 | $ 410,000 |
| Warren, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Essex, Massachusetts | 1 | $ 495,000 | $ 495,000 | $ 57,000 |
| Cheboygan, Michigan | 1 | $ 455,000 | $ 455,000 | $ 169,000 |
| Grand Traverse, Michigan | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Jackson, Michigan | 1 | $ 355,000 | $ 355,000 | $ 260,000 |
| Kent, Michigan | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Oakland, Michigan | 1 | $ 305,000 | $ 305,000 | $ 187,000 |
| Otsego, Michigan | 1 | $ 245,000 | $ 245,000 | $ 509,000 |
| Hennepin, Minnesota | 1 | $ 615,000 | $ 615,000 | $ 400,000 |
| Lancaster, Nebraska | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Burke, North Carolina | 1 | $ 765,000 | $ 765,000 | $ 425,000 |
| Pender, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 209,000 |
| Wake, North Carolina | 1 | $ 675,000 | $ 675,000 | $ 180,000 |
| Columbiana, Ohio | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Geauga, Ohio | 1 | $ 455,000 | $ 455,000 | $ 118,000 |
| Huron, Ohio | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Lawrence, Ohio | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Medina, Ohio | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Mercer, Ohio | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Perry, Ohio | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Portage, Ohio | 1 | $ 305,000 | $ 305,000 | $ 149,000 |
| Charleston, South Carolina | 1 | $ 615,000 | $ 615,000 | $ 262,000 |
| Williamson, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| Wasatch, Utah | 1 | $ 505,000 | $ 505,000 | $ 150,000 |
| Dane, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| Manitowoc, Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 301,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2025
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 | 2,198 | $656,810,000 | $298,000 | $7,975,000 | $135,000 | $2,437,000 |
| Refinancing | 325 | $91,505,000 | $281,000 | $11,505,000 | $193,000 | $7,268,000 |
| Home Improvement | 273 | $26,665,000 | $97,000 | $1,295,000 | $158,000 | $1,256,000 |
| Other Purpose | 124 | $11,980,000 | $96,000 | $725,000 | $140,000 | $1,179,000 |
| Cash-out Refinancing | 101 | $39,365,000 | $389,000 | $6,505,000 | $151,000 | $1,251,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,276 | $553,990,000 | $243,000 | $2,505,000 | $144,000 | $2,437,000 |
| Not Provided | 284 | $76,710,000 | $270,000 | $1,405,000 | $170,000 | $7,268,000 |
| Black or African American | 161 | $34,195,000 | $212,000 | $815,000 | $99,000 | $756,000 |
| Hispanic | 120 | $26,780,000 | $223,000 | $2,005,000 | $98,000 | $485,000 |
| Not applicable | 86 | $100,630,000 | $1,170,000 | $11,505,000 | $0 | $0 |
| Asian | 84 | $30,650,000 | $364,000 | $2,845,000 | $187,000 | $1,200,000 |
| American Indian or Alaskan Native | 9 | $2,935,000 | $326,000 | $805,000 | $159,000 | $603,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $300,000 | $300,000 |
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) | 2,679 | $749,375,000 | $279,000 | $11,505,000 | $152,000 | $7,268,000 |
| FHA-insured (Federal Housing Administration) | 285 | $59,395,000 | $208,000 | $505,000 | $75,000 | $390,000 |
| VA-guaranteed (Veterans Administration) | 39 | $13,635,000 | $349,000 | $1,035,000 | $131,000 | $547,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,920,000 | $217,000 | $395,000 | $92,000 | $469,000 |
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 | 1,380 | $379,200,000 | $274,000 | $7,975,000 | $168,000 | $7,268,000 |
| Preapproval Approved but not Accepted | 817 | $239,645,000 | $293,000 | $2,505,000 | $128,000 | $1,030,000 |
| Preapproval Denied by Financial Institution | 327 | $68,085,000 | $208,000 | $2,845,000 | $78,000 | $660,000 |
| Application Withdrawn By Applicant | 300 | $85,210,000 | $284,000 | $2,785,000 | $162,000 | $1,219,000 |
| Application Denied By Financial Institution | 154 | $28,310,000 | $183,000 | $3,005,000 | $105,000 | $504,000 |
| Application Approved But Not Accepted | 27 | $19,295,000 | $714,000 | $11,505,000 | $93,000 | $421,000 |
| File Closed For Incompleteness | 16 | $6,580,000 | $411,000 | $1,975,000 | $400,000 | $2,437,000 |
| Loan Purchased By The 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 | 2,540 | $729,930,000 | $287,000 | $11,505,000 | $155,000 | $7,268,000 |
| Credit History | 199 | $30,945,000 | $155,000 | $1,035,000 | $80,000 | $547,000 |
| Debt-To-Income Ratio | 180 | $35,470,000 | $197,000 | $2,845,000 | $73,000 | $550,000 |
| Credit Application Incomplete | 59 | $17,915,000 | $303,000 | $2,005,000 | $149,000 | $660,000 |
| Collateral | 17 | $4,835,000 | $284,000 | $3,005,000 | $82,000 | $177,000 |
| Employment History | 15 | $3,355,000 | $223,000 | $645,000 | $62,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,430,000 | $607,000 | $1,315,000 | $198,000 | $301,000 |
| Unverifiable Information | 4 | $610,000 | $152,000 | $285,000 | $98,000 | $145,000 |
| Other | 3 | $835,000 | $278,000 | $535,000 | $122,000 | $223,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2025 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 The State Bank & 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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with aggregated HMDA statistics today.
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