The State Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, The State Bank & Trust Company of Defiance, OH reported 1,880 mortgage applications totaling $271.7 million, down 8% from 2010. The average application was for $144,518, and applicants reported an average income of $85,118. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Columbus, OH (702), Toledo, OH (250) and Lima, OH (139) (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 | 1,880 |
| Total Mortgage Loan Application Amount | $271,695,000 |
| Average Mortgage Loan Application Amount | $144,518 |
| Highest Mortgage Loan Application Amount | $1,360,000 |
| Average Applicant Income | $85,118 |
| Highest Applicant Income | $1,195,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 489 | $ 82,762,000 | $ 169,247 | $ 95,000 |
| Defiance, Ohio | 189 | $ 22,750,000 | $ 120,370 | $ 64,000 |
| Allen, Ohio | 139 | $ 13,796,000 | $ 99,251 | $ 75,000 |
| Delaware, Ohio | 107 | $ 25,557,000 | $ 238,850 | $ 125,000 |
| Fulton, Ohio | 103 | $ 11,820,000 | $ 114,757 | $ 66,000 |
| Paulding, Ohio | 102 | $ 8,821,000 | $ 86,480 | $ 55,000 |
| Steuben, Indiana | 96 | $ 17,669,000 | $ 184,052 | $ 120,000 |
| Williams, Ohio | 91 | $ 9,681,000 | $ 106,384 | $ 65,000 |
| Wood, Ohio | 70 | $ 9,654,000 | $ 137,914 | $ 76,000 |
| Lucas, Ohio | 65 | $ 7,776,000 | $ 119,630 | $ 105,000 |
| Fairfield, Ohio | 40 | $ 6,745,000 | $ 168,625 | $ 88,000 |
| Allen, Indiana | 37 | $ 5,610,000 | $ 151,621 | $ 73,000 |
| Licking, Ohio | 33 | $ 4,817,000 | $ 145,969 | $ 80,000 |
| Henry, Ohio | 23 | $ 2,479,000 | $ 107,782 | $ 58,000 |
| DeKalb, Indiana | 19 | $ 2,689,000 | $ 141,526 | $ 61,000 |
| Putnam, Ohio | 16 | $ 1,698,000 | $ 106,125 | $ 55,000 |
| Union, Ohio | 16 | $ 5,626,000 | $ 351,625 | $ 184,000 |
| Ottawa, Ohio | 12 | $ 1,944,000 | $ 162,000 | $ 132,000 |
| LaGrange, Indiana | 10 | $ 1,819,000 | $ 181,900 | $ 103,000 |
| Lenawee, Michigan | 9 | $ 520,000 | $ 57,777 | $ 61,000 |
| Monroe, Michigan | 9 | $ 1,263,000 | $ 140,333 | $ 76,000 |
| Auglaize, Ohio | 8 | $ 1,265,000 | $ 158,125 | $ 80,000 |
| Pickaway, Ohio | 8 | $ 1,145,000 | $ 143,125 | $ 77,000 |
| Branch, Michigan | 6 | $ 1,012,000 | $ 168,666 | $ 148,000 |
| Madison, Ohio | 6 | $ 1,072,000 | $ 178,666 | $ 65,000 |
| Logan, Ohio | 5 | $ 1,000,000 | $ 200,000 | $ 100,000 |
| Van Wert, Ohio | 5 | $ 696,000 | $ 139,200 | $ 75,000 |
| Hillsdale, Michigan | 4 | $ 350,000 | $ 87,500 | $ 53,000 |
| Cuyahoga, Ohio | 4 | $ 799,000 | $ 199,750 | $ 166,000 |
| Noble, Indiana | 3 | $ 708,000 | $ 236,000 | $ 143,000 |
| Morrow, Ohio | 3 | $ 568,000 | $ 189,333 | $ 81,000 |
| Palm Beach, Florida | 2 | $ 283,000 | $ 141,500 | $ 42,000 |
| Hamilton, Indiana | 2 | $ 426,000 | $ 213,000 | $ 171,000 |
| Ashtabula, Ohio | 2 | $ 584,000 | $ 292,000 | $ 313,000 |
| Champaign, Ohio | 2 | $ 172,000 | $ 86,000 | $ 36,000 |
| Hamilton, Ohio | 2 | $ 324,000 | $ 162,000 | $ 95,000 |
| Hancock, Ohio | 2 | $ 101,000 | $ 50,500 | $ 41,000 |
| Hardin, Ohio | 2 | $ 240,000 | $ 120,000 | $ 103,000 |
| Lake, Ohio | 2 | $ 416,000 | $ 208,000 | $ 124,000 |
| Sandusky, Ohio | 2 | $ 291,000 | $ 145,500 | $ 73,000 |
| Baldwin, Alabama | 1 | $ 448,000 | $ 448,000 | $ 216,000 |
| Maricopa, Arizona | 1 | $ 76,000 | $ 76,000 | $ 183,000 |
| San Diego, California | 1 | $ 290,000 | $ 290,000 | $ 149,000 |
| Summit, Colorado | 1 | $ 414,000 | $ 414,000 | $ 286,000 |
| Collier, Florida | 1 | $ 417,000 | $ 417,000 | $ 294,000 |
| Escambia, Florida | 1 | $ 221,000 | $ 221,000 | $ 216,000 |
| Lee, Florida | 1 | $ 259,000 | $ 259,000 | $ 571,000 |
| Polk, Florida | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Adams, Indiana | 1 | $ 134,000 | $ 134,000 | $ 130,000 |
| Kosciusko, Indiana | 1 | $ 220,000 | $ 220,000 | $ 99,000 |
| Marion, Indiana | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Morgan, Indiana | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Randolph, Indiana | 1 | $ 278,000 | $ 278,000 | $ 163,000 |
| Whitley, Indiana | 1 | $ 220,000 | $ 220,000 | $ 170,000 |
| Eaton, Michigan | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
| Genesee, Michigan | 1 | $ 136,000 | $ 136,000 | $ 158,000 |
| Muskegon, Michigan | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Roscommon, Michigan | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Cass, Missouri | 1 | $ 70,000 | $ 70,000 | $ 20,000 |
| Albany, New York | 1 | $ 209,000 | $ 209,000 | $ 236,000 |
| Rutherford, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 291,000 |
| Butler, Ohio | 1 | $ 126,000 | $ 126,000 | $ 177,000 |
| Clark, Ohio | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Erie, Ohio | 1 | $ 247,000 | $ 247,000 | $ 132,000 |
| Geauga, Ohio | 1 | $ 170,000 | $ 170,000 | $ 341,000 |
| Knox, Ohio | 1 | $ 269,000 | $ 269,000 | $ 441,000 |
| Lorain, Ohio | 1 | $ 129,000 | $ 129,000 | $ 113,000 |
| Marion, Ohio | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Richland, Ohio | 1 | $ 242,000 | $ 242,000 | $ 156,000 |
| Scioto, Ohio | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| Stark, Ohio | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Campbell, Tennessee | 1 | $ 259,000 | $ 259,000 | $ 361,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2011
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 | 1,107 | $167,943,000 | $151,000 | $1,360,000 | $93,000 | $822,000 |
| Home Purchase | 763 | $102,417,000 | $134,000 | $1,200,000 | $74,000 | $1,195,000 |
| Home Improvement | 10 | $1,335,000 | $133,000 | $261,000 | $61,000 | $168,000 |
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 | 1,735 | $249,027,000 | $143,000 | $1,200,000 | $86,000 | $1,195,000 |
| Black or African American | 57 | $7,671,000 | $134,000 | $740,000 | $76,000 | $500,000 |
| Hispanic | 30 | $2,511,000 | $83,000 | $222,000 | $47,000 | $108,000 |
| Asian | 28 | $5,753,000 | $205,000 | $777,000 | $141,000 | $725,000 |
| Not applicable | 21 | $6,117,000 | $291,000 | $1,360,000 | $0 | $19,000 |
| Not Provided | 6 | $262,000 | $43,000 | $85,000 | $40,000 | $110,000 |
| American Indian or Alaskan Native | 3 | $354,000 | $118,000 | $157,000 | $96,000 | $205,000 |
| 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) | 1,403 | $219,308,000 | $156,000 | $1,360,000 | $96,000 | $1,195,000 |
| FHA-insured (Federal Housing Administration) | 374 | $41,145,000 | $110,000 | $293,000 | $53,000 | $610,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $5,167,000 | $89,000 | $181,000 | $38,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 45 | $6,075,000 | $135,000 | $343,000 | $57,000 | $180,000 |
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 | 1,474 | $226,755,000 | $153,000 | $1,360,000 | $91,000 | $1,195,000 |
| Application Denied By Financial Institution | 156 | $16,895,000 | $108,000 | $478,000 | $56,000 | $237,000 |
| Application Withdrawn By Applicant | 105 | $14,135,000 | $134,000 | $417,000 | $91,000 | $1,103,000 |
| Preapproval Denied by Financial Institution | 103 | $8,213,000 | $79,000 | $280,000 | $38,000 | $128,000 |
| Application Approved But Not Accepted | 32 | $3,963,000 | $123,000 | $400,000 | $63,000 | $222,000 |
| File Closed For Incompleteness | 10 | $1,734,000 | $173,000 | $922,000 | $78,000 | $356,000 |
| 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 2011 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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