The State Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, The State Bank & Trust Company of Defiance, OH reported 510 mortgage applications totaling $58.1 million, up 87% from 2003. The average application was for $113,886, and applicants reported an average income of $50,582. 63% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Toledo, OH (112), Columbus, OH (17) and Cincinnati-Middletown, OH-KY-IN (2) (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 | 510 |
| Total Mortgage Loan Application Amount | $58,082,000 |
| Average Mortgage Loan Application Amount | $113,886 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $50,582 |
| Highest Applicant Income | $455,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Defiance, Ohio | 170 | $ 17,379,000 | $ 102,229 | $ 83,000 |
| Paulding, Ohio | 75 | $ 7,118,000 | $ 94,906 | $ 44,000 |
| Fulton, Ohio | 74 | $ 5,830,000 | $ 78,783 | $ 53,000 |
| Wood, Ohio | 26 | $ 3,798,000 | $ 146,076 | $ 25,000 |
| Henry, Ohio | 14 | $ 1,106,000 | $ 79,000 | $ 50,000 |
| Putnam, Ohio | 14 | $ 915,000 | $ 65,357 | $ 30,000 |
| Williams, Ohio | 12 | $ 1,577,000 | $ 131,416 | $ 89,000 |
| Lucas, Ohio | 10 | $ 2,059,000 | $ 205,900 | $ 66,000 |
| Franklin, Ohio | 9 | $ 3,889,000 | $ 432,111 | $ 161,000 |
| Hancock, Ohio | 8 | $ 627,000 | $ 78,375 | $ 33,000 |
| Delaware, Ohio | 6 | $ 2,703,000 | $ 450,500 | $ 0 |
| Lenawee, Michigan | 5 | $ 652,000 | $ 130,400 | $ 97,000 |
| Steuben, Indiana | 3 | $ 730,000 | $ 243,333 | $ 35,000 |
| Branch, Michigan | 3 | $ 152,000 | $ 50,666 | $ 105,000 |
| Hillsdale, Michigan | 2 | $ 317,000 | $ 158,500 | $ 71,000 |
| Hamilton, Ohio | 2 | $ 1,423,000 | $ 711,500 | $ 0 |
| Montgomery, Ohio | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Ottawa, Ohio | 2 | $ 208,000 | $ 104,000 | $ 76,000 |
| Allen, Indiana | 1 | $ 64,000 | $ 64,000 | $ 93,000 |
| DeKalb, Indiana | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Elkhart, Indiana | 1 | $ 256,000 | $ 256,000 | $ 264,000 |
| LaGrange, Indiana | 1 | $ 175,000 | $ 175,000 | $ 240,000 |
| Monroe, Michigan | 1 | $ 130,000 | $ 130,000 | $ 112,000 |
| Fairfield, Ohio | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Madison, Ohio | 1 | $ 309,000 | $ 309,000 | $ 0 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 263 | $38,904,000 | $143,666 | $2,400,000 | $59,333 | $323,000 |
| Home Purchase | 215 | $17,875,000 | $119,250 | $1,180,000 | $105,500 | $450,000 |
| Home Improvement | 32 | $1,303,000 | $84,000 | $360,000 | $115,500 | $455,000 |
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 | 439 | $36,487,000 | $89,000 | $615,000 | $70,750 | $354,000 |
| Not applicable | 39 | $19,121,000 | $438,000 | $2,400,000 | $0 | $0 |
| Hispanic | 15 | $981,000 | $75,000 | $162,000 | $40,000 | $67,000 |
| Not Provided | 11 | $347,000 | $33,000 | $90,000 | $27,500 | $68,000 |
| Asian | 3 | $794,000 | $262,500 | $360,000 | $358,000 | $455,000 |
| Black or African American | 3 | $352,000 | $133,000 | $180,000 | $48,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 510 | $58,082,000 | $122,000 | $2,400,000 | $70,500 | $455,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 323 | $35,647,000 | $166,250 | $2,400,000 | $74,250 | $455,000 |
| Application Denied By Financial Institution | 69 | $4,508,000 | $81,000 | $184,000 | $38,750 | $105,000 |
| Preapproval Denied by Financial Institution | 58 | $4,319,000 | $74,000 | $185,000 | $28,000 | $148,000 |
| Loan Purchased By The Institution | 25 | $10,566,000 | $422,000 | $780,000 | $0 | $0 |
| Application Withdrawn By Applicant | 21 | $1,677,000 | $79,000 | $158,000 | $47,000 | $161,000 |
| File Closed For Incompleteness | 10 | $1,102,000 | $105,500 | $240,000 | $47,500 | $133,000 |
| Application Approved But Not Accepted | 4 | $263,000 | $70,500 | $80,000 | $34,000 | $58,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2004 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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