The State Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, The State Bank & Trust Company of Defiance, OH reported 358 mortgage applications totaling $39.2 million, down 30% from 2004. The average application was for $109,500, and applicants reported an average income of $76,293. 68% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Toledo, OH (67), Lima, OH (32) and Fort Wayne, IN (3) (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 | 358 |
| Total Mortgage Loan Application Amount | $39,201,000 |
| Average Mortgage Loan Application Amount | $109,500 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $76,293 |
| Highest Applicant Income | $2,496,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 113 | $ 8,794,000 | $ 77,823 | $ 62,000 |
| Fulton, Ohio | 52 | $ 3,708,000 | $ 71,307 | $ 57,000 |
| Paulding, Ohio | 36 | $ 2,570,000 | $ 71,388 | $ 50,000 |
| Allen, Ohio | 32 | $ 4,658,000 | $ 145,562 | $ 62,000 |
| Henry, Ohio | 10 | $ 1,339,000 | $ 133,900 | $ 60,000 |
| Williams, Ohio | 10 | $ 592,000 | $ 59,200 | $ 44,000 |
| Lenawee, Michigan | 9 | $ 1,182,000 | $ 131,333 | $ 87,000 |
| Lucas, Ohio | 9 | $ 5,902,000 | $ 655,777 | $ 65,000 |
| Steuben, Indiana | 5 | $ 880,000 | $ 176,000 | $ 44,000 |
| Branch, Michigan | 5 | $ 1,311,000 | $ 262,200 | $ 385,000 |
| Putnam, Ohio | 5 | $ 426,000 | $ 85,200 | $ 40,000 |
| Allen, Indiana | 3 | $ 665,000 | $ 221,666 | $ 176,000 |
| Ottawa, Ohio | 3 | $ 362,000 | $ 120,666 | $ 59,000 |
| Wood, Ohio | 3 | $ 509,000 | $ 169,666 | $ 82,000 |
| Auglaize, Ohio | 2 | $ 486,000 | $ 243,000 | $ 51,000 |
| Hancock, Ohio | 2 | $ 160,000 | $ 80,000 | $ 52,000 |
| Lee, Florida | 1 | $ 600,000 | $ 600,000 | $ 2,496,000 |
| DeKalb, Indiana | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Jackson, Michigan | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Franklin, Ohio | 1 | $ 110,000 | $ 110,000 | $ 354,000 |
| Hardin, Ohio | 1 | $ 47,000 | $ 47,000 | $ 38,000 |
| Logan, Ohio | 1 | $ 225,000 | $ 225,000 | $ 136,000 |
| Noble, Ohio | 1 | $ 170,000 | $ 170,000 | $ 366,000 |
| Shelby, Ohio | 1 | $ 261,000 | $ 261,000 | $ 91,000 |
| Stark, Ohio | 1 | $ 172,000 | $ 172,000 | $ 67,000 |
| Van Wert, Ohio | 1 | $ 275,000 | $ 275,000 | $ 203,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2005
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 | 206 | $22,355,000 | $212,600 | $5,100,000 | $552,000 | $2,496,000 |
| Refinancing | 141 | $16,395,000 | $187,000 | $1,250,000 | $139,000 | $841,000 |
| Home Improvement | 11 | $451,000 | $104,000 | $182,000 | $89,000 | $122,000 |
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 | 330 | $31,394,000 | $223,000 | $1,250,000 | $579,800 | $2,496,000 |
| Not applicable | 9 | $6,146,000 | $502,500 | $5,100,000 | $0 | $0 |
| Hispanic | 8 | $644,000 | $77,500 | $199,000 | $35,500 | $71,000 |
| Not Provided | 6 | $274,000 | $99,500 | $181,000 | $57,000 | $144,000 |
| Asian | 3 | $628,000 | $209,000 | $275,000 | $139,000 | $203,000 |
| Black or African American | 2 | $115,000 | $57,500 | $108,000 | $68,000 | $83,000 |
| 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) | 358 | $39,201,000 | $226,400 | $5,100,000 | $572,800 | $2,496,000 |
| 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 | 242 | $29,315,000 | $266,500 | $5,100,000 | $724,500 | $2,496,000 |
| Preapproval Denied by Financial Institution | 45 | $3,494,000 | $77,000 | $320,000 | $41,000 | $98,000 |
| Application Denied By Financial Institution | 42 | $3,715,000 | $85,333 | $260,000 | $54,000 | $111,000 |
| Application Withdrawn By Applicant | 14 | $1,221,000 | $61,000 | $170,000 | $87,500 | $366,000 |
| Application Approved But Not Accepted | 13 | $1,228,000 | $110,000 | $200,000 | $68,666 | $212,000 |
| File Closed For Incompleteness | 2 | $228,000 | $114,000 | $192,000 | $39,500 | $48,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2005 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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