The State Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, The State Bank & Trust Company of Defiance, OH reported 2,052 mortgage applications totaling $295.7 million, about the same as 2009. The average application was for $144,088, and applicants reported an average income of $79,189. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Columbus, OH (783), Toledo, OH (246) and Lima, OH (127) (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 | 2,052 |
| Total Mortgage Loan Application Amount | $295,670,000 |
| Average Mortgage Loan Application Amount | $144,088 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $79,189 |
| Highest Applicant Income | $967,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 574 | $ 89,971,000 | $ 156,743 | $ 84,000 |
| Defiance, Ohio | 176 | $ 21,834,000 | $ 124,056 | $ 69,000 |
| Williams, Ohio | 150 | $ 15,421,000 | $ 102,806 | $ 62,000 |
| Allen, Ohio | 127 | $ 12,934,000 | $ 101,842 | $ 68,000 |
| Steuben, Indiana | 115 | $ 20,636,000 | $ 179,443 | $ 91,000 |
| Fulton, Ohio | 115 | $ 13,314,000 | $ 115,773 | $ 67,000 |
| Delaware, Ohio | 109 | $ 23,971,000 | $ 219,917 | $ 105,000 |
| Paulding, Ohio | 104 | $ 9,389,000 | $ 90,278 | $ 55,000 |
| Lucas, Ohio | 75 | $ 11,550,000 | $ 154,000 | $ 104,000 |
| Allen, Indiana | 50 | $ 8,435,000 | $ 168,700 | $ 87,000 |
| Wood, Ohio | 48 | $ 8,888,000 | $ 185,166 | $ 78,000 |
| DeKalb, Indiana | 31 | $ 4,245,000 | $ 136,935 | $ 67,000 |
| Fairfield, Ohio | 29 | $ 5,100,000 | $ 175,862 | $ 103,000 |
| Union, Ohio | 26 | $ 5,648,000 | $ 217,230 | $ 107,000 |
| Henry, Ohio | 25 | $ 2,404,000 | $ 96,160 | $ 58,000 |
| Licking, Ohio | 25 | $ 4,091,000 | $ 163,640 | $ 96,000 |
| LaGrange, Indiana | 22 | $ 3,261,000 | $ 148,227 | $ 111,000 |
| Putnam, Ohio | 16 | $ 1,671,000 | $ 104,437 | $ 54,000 |
| Madison, Ohio | 13 | $ 2,480,000 | $ 190,769 | $ 93,000 |
| Hillsdale, Michigan | 10 | $ 870,000 | $ 87,000 | $ 50,000 |
| Hancock, Ohio | 9 | $ 1,340,000 | $ 148,888 | $ 45,000 |
| Ottawa, Ohio | 8 | $ 1,262,000 | $ 157,750 | $ 121,000 |
| Pickaway, Ohio | 7 | $ 1,593,000 | $ 227,571 | $ 93,000 |
| Lenawee, Michigan | 6 | $ 1,311,000 | $ 218,500 | $ 126,000 |
| Van Wert, Ohio | 6 | $ 1,040,000 | $ 173,333 | $ 116,000 |
| Noble, Indiana | 5 | $ 578,000 | $ 115,600 | $ 56,000 |
| Branch, Michigan | 5 | $ 622,000 | $ 124,400 | $ 89,000 |
| Auglaize, Ohio | 5 | $ 632,000 | $ 126,400 | $ 63,000 |
| Monroe, Michigan | 4 | $ 479,000 | $ 119,750 | $ 67,000 |
| Cuyahoga, Ohio | 4 | $ 1,015,000 | $ 253,750 | $ 158,000 |
| Knox, Ohio | 4 | $ 772,000 | $ 193,000 | $ 170,000 |
| Mercer, Ohio | 4 | $ 666,000 | $ 166,500 | $ 123,000 |
| Elkhart, Indiana | 3 | $ 768,000 | $ 256,000 | $ 155,000 |
| Whitley, Indiana | 3 | $ 374,000 | $ 124,666 | $ 76,000 |
| Hardin, Ohio | 3 | $ 311,000 | $ 103,666 | $ 71,000 |
| Warren, Ohio | 3 | $ 550,000 | $ 183,333 | $ 88,000 |
| Cook, Illinois | 2 | $ 600,000 | $ 300,000 | $ 217,000 |
| Montgomery, Indiana | 2 | $ 261,000 | $ 130,500 | $ 57,000 |
| Erie, Ohio | 2 | $ 703,000 | $ 351,500 | $ 299,000 |
| Lorain, Ohio | 2 | $ 503,000 | $ 251,500 | $ 127,000 |
| Denton, Texas | 2 | $ 227,000 | $ 113,500 | $ 72,000 |
| Baldwin, Alabama | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
| Maricopa, Arizona | 1 | $ 231,000 | $ 231,000 | $ 130,000 |
| Brevard, Florida | 1 | $ 184,000 | $ 184,000 | $ 76,000 |
| Collier, Florida | 1 | $ 390,000 | $ 390,000 | $ 297,000 |
| DeSoto, Florida | 1 | $ 94,000 | $ 94,000 | $ 233,000 |
| Highlands, Florida | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Hillsborough, Florida | 1 | $ 212,000 | $ 212,000 | $ 71,000 |
| Lee, Florida | 1 | $ 417,000 | $ 417,000 | $ 196,000 |
| Pinellas, Florida | 1 | $ 200,000 | $ 200,000 | $ 208,000 |
| Fulton, Georgia | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Marion, Indiana | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Putnam, Indiana | 1 | $ 143,000 | $ 143,000 | $ 97,000 |
| St. Joseph, Indiana | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Wells, Indiana | 1 | $ 160,000 | $ 160,000 | $ 117,000 |
| Kenton, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 45,000 |
| Rowan, Kentucky | 1 | $ 128,000 | $ 128,000 | $ 104,000 |
| Calhoun, Michigan | 1 | $ 178,000 | $ 178,000 | $ 116,000 |
| Eaton, Michigan | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Genesee, Michigan | 1 | $ 26,000 | $ 26,000 | $ 160,000 |
| Jackson, Michigan | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Kalamazoo, Michigan | 1 | $ 189,000 | $ 189,000 | $ 176,000 |
| Kent, Michigan | 1 | $ 193,000 | $ 193,000 | $ 151,000 |
| Manistee, Michigan | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| Oakland, Michigan | 1 | $ 64,000 | $ 64,000 | $ 25,000 |
| Sanilac, Michigan | 1 | $ 75,000 | $ 75,000 | $ 137,000 |
| Washtenaw, Michigan | 1 | $ 196,000 | $ 196,000 | $ 59,000 |
| Marion, Missouri | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Rockingham, New Hampshire | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Clermont, Ohio | 1 | $ 80,000 | $ 80,000 | $ 119,000 |
| Hamilton, Ohio | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Hocking, Ohio | 1 | $ 36,000 | $ 36,000 | $ 15,000 |
| Lake, Ohio | 1 | $ 264,000 | $ 264,000 | $ 184,000 |
| Logan, Ohio | 1 | $ 282,000 | $ 282,000 | $ 81,000 |
| Marion, Ohio | 1 | $ 394,000 | $ 394,000 | $ 166,000 |
| Medina, Ohio | 1 | $ 206,000 | $ 206,000 | $ 45,000 |
| Montgomery, Ohio | 1 | $ 173,000 | $ 173,000 | $ 98,000 |
| Sandusky, Ohio | 1 | $ 21,000 | $ 21,000 | $ 78,000 |
| Seneca, Ohio | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| Shelby, Ohio | 1 | $ 271,000 | $ 271,000 | $ 98,000 |
| Summit, Ohio | 1 | $ 153,000 | $ 153,000 | $ 44,000 |
| Wyandot, Ohio | 1 | $ 290,000 | $ 290,000 | $ 135,000 |
| Berkeley, South Carolina | 1 | $ 236,000 | $ 236,000 | $ 127,000 |
| Greenville, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 63,000 |
| Marion, South Carolina | 1 | $ 83,000 | $ 83,000 | $ 55,000 |
| Outagamie, Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 68,000 |
| Ozaukee, Wisconsin | 1 | $ 238,000 | $ 238,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2010
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 | 1,223 | $187,476,000 | $153,000 | $1,112,000 | $90,000 | $967,000 |
| Home Purchase | 804 | $105,691,000 | $131,000 | $2,500,000 | $63,000 | $725,000 |
| Home Improvement | 25 | $2,503,000 | $100,000 | $255,000 | $71,000 | $386,000 |
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 | 1,899 | $268,972,000 | $141,000 | $1,112,000 | $80,000 | $967,000 |
| Black or African American | 62 | $7,391,000 | $119,000 | $414,000 | $61,000 | $487,000 |
| Hispanic | 37 | $4,417,000 | $119,000 | $315,000 | $68,000 | $205,000 |
| Asian | 36 | $7,676,000 | $213,000 | $688,000 | $118,000 | $725,000 |
| Not applicable | 12 | $6,779,000 | $564,000 | $2,500,000 | $12,000 | $149,000 |
| Not Provided | 6 | $435,000 | $72,000 | $142,000 | $161,000 | $524,000 |
| 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) | 1,556 | $234,407,000 | $150,000 | $2,500,000 | $88,000 | $967,000 |
| FHA-insured (Federal Housing Administration) | 417 | $49,299,000 | $118,000 | $347,000 | $52,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $6,147,000 | $153,000 | $1,112,000 | $53,000 | $355,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,817,000 | $149,000 | $431,000 | $60,000 | $149,000 |
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 | 1,650 | $249,686,000 | $151,000 | $2,500,000 | $83,000 | $967,000 |
| Application Denied By Financial Institution | 145 | $16,977,000 | $117,000 | $417,000 | $62,000 | $531,000 |
| Application Withdrawn By Applicant | 110 | $13,554,000 | $123,000 | $412,000 | $77,000 | $344,000 |
| Preapproval Denied by Financial Institution | 78 | $6,321,000 | $81,000 | $666,000 | $33,000 | $91,000 |
| Application Approved But Not Accepted | 52 | $7,395,000 | $142,000 | $365,000 | $81,000 | $330,000 |
| File Closed For Incompleteness | 17 | $1,737,000 | $102,000 | $400,000 | $61,000 | $196,000 |
| 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 2010 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.
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