The State Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, The State Bank & Trust Company of Defiance, OH reported 2,059 mortgage applications totaling $294.2 million, up 197% from 2008. The average application was for $142,895, and applicants reported an average income of $78,907. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Columbus, OH (557), Toledo, OH (355) and Lima, OH (211) (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 | 2,059 |
| Total Mortgage Loan Application Amount | $294,221,000 |
| Average Mortgage Loan Application Amount | $142,895 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $78,907 |
| Highest Applicant Income | $1,276,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 390 | $ 63,077,000 | $ 161,735 | $ 89,000 |
| Defiance, Ohio | 244 | $ 31,159,000 | $ 127,700 | $ 63,000 |
| Allen, Ohio | 211 | $ 24,524,000 | $ 116,227 | $ 72,000 |
| Fulton, Ohio | 144 | $ 16,931,000 | $ 117,576 | $ 62,000 |
| Williams, Ohio | 127 | $ 14,234,000 | $ 112,078 | $ 63,000 |
| Paulding, Ohio | 118 | $ 11,771,000 | $ 99,754 | $ 60,000 |
| Wood, Ohio | 106 | $ 15,717,000 | $ 148,273 | $ 89,000 |
| Lucas, Ohio | 98 | $ 20,590,000 | $ 210,102 | $ 73,000 |
| Delaware, Ohio | 77 | $ 17,654,000 | $ 229,272 | $ 112,000 |
| Allen, Indiana | 63 | $ 7,413,000 | $ 117,666 | $ 69,000 |
| Steuben, Indiana | 45 | $ 7,989,000 | $ 177,533 | $ 109,000 |
| Putnam, Ohio | 31 | $ 3,553,000 | $ 114,612 | $ 62,000 |
| DeKalb, Indiana | 30 | $ 3,746,000 | $ 124,866 | $ 63,000 |
| Fairfield, Ohio | 30 | $ 5,293,000 | $ 176,433 | $ 80,000 |
| Union, Ohio | 24 | $ 5,408,000 | $ 225,333 | $ 123,000 |
| Licking, Ohio | 22 | $ 3,515,000 | $ 159,772 | $ 82,000 |
| Henry, Ohio | 16 | $ 1,379,000 | $ 86,187 | $ 56,000 |
| Lenawee, Michigan | 13 | $ 2,226,000 | $ 171,230 | $ 141,000 |
| Hillsdale, Michigan | 12 | $ 1,254,000 | $ 104,500 | $ 81,000 |
| Van Wert, Ohio | 11 | $ 1,239,000 | $ 112,636 | $ 99,000 |
| Branch, Michigan | 9 | $ 2,075,000 | $ 230,555 | $ 139,000 |
| Monroe, Michigan | 9 | $ 1,495,000 | $ 166,111 | $ 92,000 |
| Auglaize, Ohio | 9 | $ 1,013,000 | $ 112,555 | $ 95,000 |
| LaGrange, Indiana | 8 | $ 1,781,000 | $ 222,625 | $ 203,000 |
| Pickaway, Ohio | 8 | $ 1,317,000 | $ 164,625 | $ 82,000 |
| Logan, Ohio | 7 | $ 1,282,000 | $ 183,142 | $ 128,000 |
| Ottawa, Ohio | 7 | $ 1,675,000 | $ 239,285 | $ 257,000 |
| Whitley, Indiana | 5 | $ 1,098,000 | $ 219,600 | $ 117,000 |
| Cuyahoga, Ohio | 5 | $ 1,156,000 | $ 231,200 | $ 227,000 |
| Hardin, Ohio | 5 | $ 256,000 | $ 51,200 | $ 47,000 |
| Hocking, Ohio | 5 | $ 529,000 | $ 105,800 | $ 59,000 |
| Hancock, Ohio | 4 | $ 367,000 | $ 91,750 | $ 36,000 |
| Madison, Ohio | 4 | $ 1,129,000 | $ 282,250 | $ 128,000 |
| Hamilton, Ohio | 3 | $ 489,000 | $ 163,000 | $ 54,000 |
| Sandusky, Ohio | 3 | $ 1,413,000 | $ 471,000 | $ 45,000 |
| Maricopa, Arizona | 2 | $ 548,000 | $ 274,000 | $ 44,000 |
| Bay, Florida | 2 | $ 730,000 | $ 365,000 | $ 250,000 |
| Lee, Florida | 2 | $ 314,000 | $ 157,000 | $ 366,000 |
| Cook, Illinois | 2 | $ 616,000 | $ 308,000 | $ 183,000 |
| LaPorte, Indiana | 2 | $ 270,000 | $ 135,000 | $ 60,000 |
| Marion, Indiana | 2 | $ 288,000 | $ 144,000 | $ 110,000 |
| Noble, Indiana | 2 | $ 339,000 | $ 169,500 | $ 88,000 |
| Erie, Ohio | 2 | $ 673,000 | $ 336,500 | $ 339,000 |
| Knox, Ohio | 2 | $ 229,000 | $ 114,500 | $ 54,000 |
| Lorain, Ohio | 2 | $ 469,000 | $ 234,500 | $ 77,000 |
| Mercer, Ohio | 2 | $ 264,000 | $ 132,000 | $ 77,000 |
| Morrow, Ohio | 2 | $ 225,000 | $ 112,500 | $ 49,000 |
| Perry, Ohio | 2 | $ 355,000 | $ 177,500 | $ 54,000 |
| Warren, Ohio | 2 | $ 466,000 | $ 233,000 | $ 74,000 |
| Wayne, Ohio | 2 | $ 268,000 | $ 134,000 | $ 63,000 |
| Los Angeles, California | 1 | $ 350,000 | $ 350,000 | $ 208,000 |
| Adams, Colorado | 1 | $ 157,000 | $ 157,000 | $ 97,000 |
| Hillsborough, Florida | 1 | $ 264,000 | $ 264,000 | $ 165,000 |
| Monroe, Florida | 1 | $ 306,000 | $ 306,000 | $ 518,000 |
| Orange, Florida | 1 | $ 76,000 | $ 76,000 | $ 85,000 |
| Palm Beach, Florida | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Sarasota, Florida | 1 | $ 75,000 | $ 75,000 | $ 132,000 |
| St. Johns, Florida | 1 | $ 150,000 | $ 150,000 | $ 99,000 |
| St. Lucie, Florida | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Elkhart, Indiana | 1 | $ 147,000 | $ 147,000 | $ 135,000 |
| Hamilton, Indiana | 1 | $ 113,000 | $ 113,000 | $ 115,000 |
| Morgan, Indiana | 1 | $ 261,000 | $ 261,000 | $ 50,000 |
| Wells, Indiana | 1 | $ 180,000 | $ 180,000 | $ 157,000 |
| Eaton, Michigan | 1 | $ 87,000 | $ 87,000 | $ 21,000 |
| Genesee, Michigan | 1 | $ 26,000 | $ 26,000 | $ 229,000 |
| Grand Traverse, Michigan | 1 | $ 253,000 | $ 253,000 | $ 195,000 |
| Ingham, Michigan | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Jackson, Michigan | 1 | $ 390,000 | $ 390,000 | $ 443,000 |
| Kalamazoo, Michigan | 1 | $ 91,000 | $ 91,000 | $ 32,000 |
| Livingston, Michigan | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Washtenaw, Michigan | 1 | $ 77,000 | $ 77,000 | $ 45,000 |
| Butler, Ohio | 1 | $ 168,000 | $ 168,000 | $ 166,000 |
| Champaign, Ohio | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Clermont, Ohio | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Darke, Ohio | 1 | $ 173,000 | $ 173,000 | $ 90,000 |
| Lake, Ohio | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Medina, Ohio | 1 | $ 157,000 | $ 157,000 | $ 76,000 |
| Pike, Ohio | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Portage, Ohio | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Ross, Ohio | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
| Seneca, Ohio | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Stark, Ohio | 1 | $ 97,000 | $ 97,000 | $ 42,000 |
| Anderson, Tennessee | 1 | $ 294,000 | $ 294,000 | $ 574,000 |
| Campbell, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| Fairfax, Virginia | 1 | $ 354,000 | $ 354,000 | $ 316,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2009
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 | 1,315 | $196,978,000 | $149,000 | $2,210,000 | $87,000 | $1,276,000 |
| Home Purchase | 726 | $94,501,000 | $130,000 | $5,100,000 | $64,000 | $856,000 |
| Home Improvement | 18 | $2,742,000 | $152,000 | $400,000 | $89,000 | $210,000 |
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 | 1,896 | $261,655,000 | $138,000 | $2,210,000 | $79,000 | $1,276,000 |
| Asian | 45 | $9,008,000 | $200,000 | $417,000 | $125,000 | $443,000 |
| Hispanic | 44 | $4,662,000 | $105,000 | $336,000 | $69,000 | $891,000 |
| Black or African American | 40 | $4,776,000 | $119,000 | $347,000 | $61,000 | $241,000 |
| Not applicable | 17 | $12,702,000 | $747,000 | $5,100,000 | $0 | $0 |
| Not Provided | 9 | $635,000 | $70,000 | $179,000 | $43,000 | $100,000 |
| American Indian or Alaskan Native | 5 | $523,000 | $104,000 | $196,000 | $50,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $260,000 | $86,000 | $176,000 | $27,000 | $32,000 |
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) | 1,640 | $245,053,000 | $149,000 | $5,100,000 | $86,000 | $1,276,000 |
| FHA-insured (Federal Housing Administration) | 329 | $36,685,000 | $111,000 | $347,000 | $51,000 | $613,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $7,147,000 | $129,000 | $1,007,000 | $45,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 35 | $5,336,000 | $152,000 | $551,000 | $63,000 | $164,000 |
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 | 1,587 | $242,868,000 | $153,000 | $5,100,000 | $84,000 | $1,276,000 |
| Application Denied By Financial Institution | 210 | $21,659,000 | $103,000 | $306,000 | $55,000 | $518,000 |
| Application Withdrawn By Applicant | 114 | $14,445,000 | $126,000 | $417,000 | $76,000 | $424,000 |
| Preapproval Denied by Financial Institution | 90 | $6,614,000 | $73,000 | $238,000 | $33,000 | $150,000 |
| Application Approved But Not Accepted | 47 | $7,113,000 | $151,000 | $417,000 | $85,000 | $443,000 |
| File Closed For Incompleteness | 11 | $1,522,000 | $138,000 | $281,000 | $83,000 | $173,000 |
| 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 2009 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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