The State Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, The State Bank & Trust Company of Defiance, OH reported 693 mortgage applications totaling $96.2 million, up 4% from 2007. The average application was for $138,777, and applicants reported an average income of $64,000. 54% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Toledo, OH (173), Lima, OH (77) and Columbus, OH (34) (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 | 693 |
| Total Mortgage Loan Application Amount | $96,173,000 |
| Average Mortgage Loan Application Amount | $138,777 |
| Highest Mortgage Loan Application Amount | $4,400,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $595,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 13,861,000 | $ 108,289 | $ 60,000 |
| Allen, Ohio | 77 | $ 9,222,000 | $ 119,766 | $ 71,000 |
| Fulton, Ohio | 71 | $ 8,659,000 | $ 121,957 | $ 57,000 |
| Paulding, Ohio | 60 | $ 5,678,000 | $ 94,633 | $ 51,000 |
| Lucas, Ohio | 52 | $ 10,466,000 | $ 201,269 | $ 58,000 |
| Wood, Ohio | 47 | $ 7,253,000 | $ 154,319 | $ 75,000 |
| Williams, Ohio | 30 | $ 3,848,000 | $ 128,266 | $ 71,000 |
| Henry, Ohio | 24 | $ 2,090,000 | $ 87,083 | $ 38,000 |
| Franklin, Ohio | 22 | $ 5,947,000 | $ 270,318 | $ 124,000 |
| Allen, Indiana | 9 | $ 2,075,000 | $ 230,555 | $ 50,000 |
| Monroe, Michigan | 8 | $ 1,460,000 | $ 182,500 | $ 78,000 |
| Putnam, Ohio | 8 | $ 890,000 | $ 111,250 | $ 37,000 |
| Lenawee, Michigan | 7 | $ 874,000 | $ 124,857 | $ 53,000 |
| Auglaize, Ohio | 6 | $ 631,000 | $ 105,166 | $ 65,000 |
| Delaware, Ohio | 6 | $ 2,031,000 | $ 338,500 | $ 89,000 |
| Steuben, Indiana | 5 | $ 1,255,000 | $ 251,000 | $ 58,000 |
| Hancock, Ohio | 4 | $ 377,000 | $ 94,250 | $ 70,000 |
| Fairfield, Ohio | 3 | $ 443,000 | $ 147,666 | $ 44,000 |
| Hardin, Ohio | 3 | $ 359,000 | $ 119,666 | $ 53,000 |
| Ottawa, Ohio | 3 | $ 296,000 | $ 98,666 | $ 183,000 |
| Van Wert, Ohio | 3 | $ 522,000 | $ 174,000 | $ 169,000 |
| LaGrange, Indiana | 2 | $ 332,000 | $ 166,000 | $ 121,000 |
| Branch, Michigan | 2 | $ 502,000 | $ 251,000 | $ 120,000 |
| Lorain, Ohio | 2 | $ 274,000 | $ 137,000 | $ 101,000 |
| Medina, Ohio | 2 | $ 352,000 | $ 176,000 | $ 119,000 |
| Union, Ohio | 2 | $ 834,000 | $ 417,000 | $ 153,000 |
| Anderson, Tennessee | 2 | $ 588,000 | $ 294,000 | $ 579,000 |
| Bay, Florida | 1 | $ 376,000 | $ 376,000 | $ 144,000 |
| Lee, Florida | 1 | $ 148,000 | $ 148,000 | $ 165,000 |
| Cook, Illinois | 1 | $ 288,000 | $ 288,000 | $ 66,000 |
| Sangamon, Illinois | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| DeKalb, Indiana | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Elkhart, Indiana | 1 | $ 4,400,000 | $ 4,400,000 | $ 0 |
| Hillsdale, Michigan | 1 | $ 220,000 | $ 220,000 | $ 76,000 |
| Kent, Michigan | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Manistee, Michigan | 1 | $ 239,000 | $ 239,000 | $ 203,000 |
| Roscommon, Michigan | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Gallatin, Montana | 1 | $ 255,000 | $ 255,000 | $ 28,000 |
| Darke, Ohio | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Licking, Ohio | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Logan, Ohio | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Mahoning, Ohio | 1 | $ 214,000 | $ 214,000 | $ 70,000 |
| Mercer, Ohio | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Beaufort, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 213,000 |
| Marion, South Carolina | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Campbell, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2008
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 | 399 | $60,926,000 | $152,000 | $4,400,000 | $67,000 | $595,000 |
| Home Purchase | 279 | $34,097,000 | $122,000 | $3,000,000 | $61,000 | $579,000 |
| Home Improvement | 15 | $1,150,000 | $76,000 | $227,000 | $40,000 | $99,000 |
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 | 635 | $77,383,000 | $121,000 | $865,000 | $64,000 | $595,000 |
| Hispanic | 24 | $2,224,000 | $92,000 | $305,000 | $46,000 | $133,000 |
| Black or African American | 11 | $995,000 | $90,000 | $193,000 | $44,000 | $98,000 |
| Not applicable | 10 | $13,217,000 | $1,321,000 | $4,400,000 | $0 | $0 |
| Asian | 8 | $1,767,000 | $220,000 | $346,000 | $182,000 | $374,000 |
| Not Provided | 4 | $373,000 | $93,000 | $250,000 | $141,000 | $419,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $214,000 | $214,000 | $214,000 | $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) | 628 | $89,402,000 | $142,000 | $4,400,000 | $66,000 | $595,000 |
| FHA-insured (Federal Housing Administration) | 51 | $5,718,000 | $112,000 | $278,000 | $46,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $592,000 | $65,000 | $92,000 | $35,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 5 | $461,000 | $92,000 | $110,000 | $37,000 | $64,000 |
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 | 375 | $62,117,000 | $165,000 | $4,400,000 | $70,000 | $595,000 |
| Application Denied By Financial Institution | 98 | $9,940,000 | $101,000 | $303,000 | $46,000 | $348,000 |
| Preapproval Denied by Financial Institution | 87 | $7,542,000 | $86,000 | $587,000 | $40,000 | $310,000 |
| Application Withdrawn By Applicant | 67 | $7,651,000 | $114,000 | $255,000 | $70,000 | $280,000 |
| Application Approved But Not Accepted | 64 | $8,340,000 | $130,000 | $294,000 | $79,000 | $579,000 |
| File Closed For Incompleteness | 2 | $583,000 | $291,000 | $353,000 | $117,000 | $132,000 |
| 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 2008 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