The State Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, The State Bank & Trust Company of Defiance, OH reported 396 mortgage applications totaling $49.7 million, up 11% from 2005. The average application was for $125,512, and applicants reported an average income of $75,227. 60% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lima, OH (68), Toledo, OH (58) and Fort Wayne, IN (6) (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 | 396 |
| Total Mortgage Loan Application Amount | $49,703,000 |
| Average Mortgage Loan Application Amount | $125,512 |
| Highest Mortgage Loan Application Amount | $1,394,000 |
| Average Applicant Income | $75,227 |
| Highest Applicant Income | $2,660,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 83 | $ 10,148,000 | $ 122,265 | $ 56,000 |
| Allen, Ohio | 68 | $ 8,938,000 | $ 131,441 | $ 66,000 |
| Fulton, Ohio | 47 | $ 4,446,000 | $ 94,595 | $ 43,000 |
| Paulding, Ohio | 44 | $ 3,321,000 | $ 75,477 | $ 50,000 |
| Williams, Ohio | 13 | $ 1,804,000 | $ 138,769 | $ 83,000 |
| Steuben, Indiana | 12 | $ 3,546,000 | $ 295,500 | $ 281,000 |
| Lucas, Ohio | 8 | $ 950,000 | $ 118,750 | $ 80,000 |
| Putnam, Ohio | 8 | $ 964,000 | $ 120,500 | $ 64,000 |
| Henry, Ohio | 7 | $ 317,000 | $ 45,285 | $ 44,000 |
| Allen, Indiana | 5 | $ 1,450,000 | $ 290,000 | $ 29,000 |
| Branch, Michigan | 5 | $ 962,000 | $ 192,400 | $ 122,000 |
| Auglaize, Ohio | 4 | $ 818,000 | $ 204,500 | $ 53,000 |
| Hancock, Ohio | 4 | $ 477,000 | $ 119,250 | $ 63,000 |
| DeKalb, Indiana | 3 | $ 300,000 | $ 100,000 | $ 42,000 |
| Hardin, Ohio | 3 | $ 285,000 | $ 95,000 | $ 6,000 |
| Miami, Ohio | 3 | $ 1,009,000 | $ 336,333 | $ 11,000 |
| Van Wert, Ohio | 3 | $ 573,000 | $ 191,000 | $ 97,000 |
| Wood, Ohio | 3 | $ 316,000 | $ 105,333 | $ 63,000 |
| Lenawee, Michigan | 2 | $ 650,000 | $ 325,000 | $ 444,000 |
| Logan, Ohio | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| Shelby, Ohio | 2 | $ 146,000 | $ 73,000 | $ 44,000 |
| Beaufort, South Carolina | 2 | $ 776,000 | $ 388,000 | $ 2,659,000 |
| Wells, Indiana | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Clare, Michigan | 1 | $ 13,000 | $ 13,000 | $ 46,000 |
| Eaton, Michigan | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Grand Traverse, Michigan | 1 | $ 264,000 | $ 264,000 | $ 107,000 |
| Hillsdale, Michigan | 1 | $ 82,000 | $ 82,000 | $ 39,000 |
| Rutherford, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Allegheny, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 30,000 |
| Bexar, Texas | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2006
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 | 221 | $25,061,000 | $113,000 | $1,200,000 | $72,000 | $2,658,000 |
| Refinancing | 164 | $23,747,000 | $144,000 | $1,394,000 | $81,000 | $2,660,000 |
| Home Improvement | 11 | $895,000 | $81,000 | $224,000 | $54,000 | $113,000 |
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 | 343 | $37,418,000 | $109,000 | $1,200,000 | $81,000 | $2,660,000 |
| Not applicable | 19 | $7,540,000 | $396,000 | $1,394,000 | $0 | $0 |
| Hispanic | 18 | $2,738,000 | $152,000 | $1,300,000 | $50,000 | $198,000 |
| Black or African American | 9 | $1,340,000 | $148,000 | $350,000 | $83,000 | $273,000 |
| Asian | 4 | $649,000 | $162,000 | $316,000 | $109,000 | $175,000 |
| Not Provided | 3 | $18,000 | $6,000 | $13,000 | $38,000 | $62,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 386 | $48,497,000 | $125,000 | $1,394,000 | $76,000 | $2,660,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,036,000 | $115,000 | $279,000 | $43,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 1 | $170,000 | $170,000 | $170,000 | $71,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 239 | $34,344,000 | $143,000 | $1,394,000 | $96,000 | $2,660,000 |
| Preapproval Denied by Financial Institution | 55 | $4,989,000 | $90,000 | $284,000 | $34,000 | $122,000 |
| Application Denied By Financial Institution | 52 | $4,481,000 | $86,000 | $279,000 | $36,000 | $120,000 |
| Application Withdrawn By Applicant | 34 | $4,062,000 | $119,000 | $500,000 | $79,000 | $853,000 |
| Application Approved But Not Accepted | 13 | $1,630,000 | $125,000 | $468,000 | $38,000 | $76,000 |
| File Closed For Incompleteness | 3 | $197,000 | $65,000 | $79,000 | $51,000 | $89,000 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About