The State Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, The State Bank & Trust Company of Defiance, OH reported 2,559 mortgage applications totaling $403.2 million, up 36% from 2011. The average application was for $157,562, and applicants reported an average income of $91,184. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Columbus, OH (1,035), Toledo, OH (302) and Lima, OH (145) (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 | 2,559 |
| Total Mortgage Loan Application Amount | $403,202,000 |
| Average Mortgage Loan Application Amount | $157,562 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $91,184 |
| Highest Applicant Income | $1,135,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 700 | $ 126,717,000 | $ 181,024 | $ 95,000 |
| Defiance, Ohio | 241 | $ 32,415,000 | $ 134,502 | $ 75,000 |
| Delaware, Ohio | 204 | $ 47,326,000 | $ 231,990 | $ 123,000 |
| Allen, Ohio | 145 | $ 16,424,000 | $ 113,268 | $ 86,000 |
| Fulton, Ohio | 145 | $ 17,651,000 | $ 121,731 | $ 74,000 |
| Steuben, Indiana | 133 | $ 23,188,000 | $ 174,345 | $ 87,000 |
| Paulding, Ohio | 121 | $ 11,750,000 | $ 97,107 | $ 61,000 |
| Allen, Indiana | 112 | $ 14,123,000 | $ 126,098 | $ 85,000 |
| Williams, Ohio | 109 | $ 13,735,000 | $ 126,009 | $ 83,000 |
| Lucas, Ohio | 76 | $ 12,344,000 | $ 162,421 | $ 103,000 |
| Wood, Ohio | 72 | $ 10,305,000 | $ 143,125 | $ 73,000 |
| Fairfield, Ohio | 44 | $ 8,081,000 | $ 183,659 | $ 91,000 |
| Licking, Ohio | 38 | $ 6,590,000 | $ 173,421 | $ 80,000 |
| DeKalb, Indiana | 34 | $ 4,630,000 | $ 136,176 | $ 71,000 |
| Union, Ohio | 28 | $ 7,466,000 | $ 266,642 | $ 166,000 |
| Henry, Ohio | 21 | $ 2,732,000 | $ 130,095 | $ 83,000 |
| LaGrange, Indiana | 19 | $ 2,747,000 | $ 144,578 | $ 122,000 |
| Lenawee, Michigan | 17 | $ 2,512,000 | $ 147,764 | $ 121,000 |
| Putnam, Ohio | 15 | $ 1,460,000 | $ 97,333 | $ 55,000 |
| Hillsdale, Michigan | 13 | $ 1,200,000 | $ 92,307 | $ 98,000 |
| Monroe, Michigan | 13 | $ 1,896,000 | $ 145,846 | $ 116,000 |
| Pickaway, Ohio | 11 | $ 2,028,000 | $ 184,363 | $ 96,000 |
| Van Wert, Ohio | 10 | $ 1,215,000 | $ 121,500 | $ 79,000 |
| Branch, Michigan | 9 | $ 1,434,000 | $ 159,333 | $ 150,000 |
| Auglaize, Ohio | 9 | $ 837,000 | $ 93,000 | $ 55,000 |
| Ottawa, Ohio | 9 | $ 1,118,000 | $ 124,222 | $ 137,000 |
| Madison, Ohio | 7 | $ 960,000 | $ 137,142 | $ 79,000 |
| Hancock, Ohio | 6 | $ 550,000 | $ 91,666 | $ 142,000 |
| Noble, Indiana | 5 | $ 795,000 | $ 159,000 | $ 83,000 |
| Hardin, Ohio | 5 | $ 334,000 | $ 66,800 | $ 46,000 |
| Hamilton, Indiana | 4 | $ 615,000 | $ 153,750 | $ 82,000 |
| Whitley, Indiana | 4 | $ 437,000 | $ 109,250 | $ 56,000 |
| Knox, Ohio | 4 | $ 656,000 | $ 164,000 | $ 186,000 |
| Charlotte, Florida | 3 | $ 386,000 | $ 128,666 | $ 78,000 |
| Lee, Florida | 3 | $ 1,748,000 | $ 582,666 | $ 559,000 |
| Wells, Indiana | 3 | $ 337,000 | $ 112,333 | $ 121,000 |
| Cuyahoga, Ohio | 3 | $ 592,000 | $ 197,333 | $ 148,000 |
| Montgomery, Ohio | 3 | $ 629,000 | $ 209,666 | $ 143,000 |
| Morrow, Ohio | 3 | $ 345,000 | $ 115,000 | $ 59,000 |
| Sandusky, Ohio | 3 | $ 555,000 | $ 185,000 | $ 91,000 |
| Warren, Ohio | 3 | $ 495,000 | $ 165,000 | $ 87,000 |
| Pinellas, Florida | 2 | $ 453,000 | $ 226,500 | $ 81,000 |
| Sarasota, Florida | 2 | $ 366,000 | $ 183,000 | $ 73,000 |
| Elkhart, Indiana | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Oakland, Michigan | 2 | $ 499,000 | $ 249,500 | $ 150,000 |
| Erie, Ohio | 2 | $ 428,000 | $ 214,000 | $ 44,000 |
| Greene, Ohio | 2 | $ 596,000 | $ 298,000 | $ 191,000 |
| Hamilton, Ohio | 2 | $ 467,000 | $ 233,500 | $ 54,000 |
| Logan, Ohio | 2 | $ 314,000 | $ 157,000 | $ 82,000 |
| Mercer, Ohio | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Seneca, Ohio | 2 | $ 349,000 | $ 174,500 | $ 133,000 |
| Beaufort, South Carolina | 2 | $ 630,000 | $ 315,000 | $ 549,000 |
| Pima, Arizona | 1 | $ 725,000 | $ 725,000 | $ 737,000 |
| Alameda, California | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Brevard, Florida | 1 | $ 313,000 | $ 313,000 | $ 76,000 |
| Collier, Florida | 1 | $ 417,000 | $ 417,000 | $ 289,000 |
| St. Johns, Florida | 1 | $ 163,000 | $ 163,000 | $ 91,000 |
| Fayette, Georgia | 1 | $ 174,000 | $ 174,000 | $ 119,000 |
| Glynn, Georgia | 1 | $ 354,000 | $ 354,000 | $ 195,000 |
| Lake, Illinois | 1 | $ 256,000 | $ 256,000 | $ 446,000 |
| Adams, Indiana | 1 | $ 74,000 | $ 74,000 | $ 44,000 |
| Huntington, Indiana | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Marion, Indiana | 1 | $ 162,000 | $ 162,000 | $ 81,000 |
| Monroe, Indiana | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Randolph, Indiana | 1 | $ 272,000 | $ 272,000 | $ 149,000 |
| St. Joseph, Indiana | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Allegan, Michigan | 1 | $ 93,000 | $ 93,000 | $ 160,000 |
| Antrim, Michigan | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| Benzie, Michigan | 1 | $ 141,000 | $ 141,000 | $ 128,000 |
| Crawford, Michigan | 1 | $ 68,000 | $ 68,000 | $ 114,000 |
| Emmet, Michigan | 1 | $ 401,000 | $ 401,000 | $ 178,000 |
| Grand Traverse, Michigan | 1 | $ 236,000 | $ 236,000 | $ 117,000 |
| Kalamazoo, Michigan | 1 | $ 137,000 | $ 137,000 | $ 100,000 |
| Lake, Michigan | 1 | $ 168,000 | $ 168,000 | $ 102,000 |
| Otsego, Michigan | 1 | $ 189,000 | $ 189,000 | $ 137,000 |
| Van Buren, Michigan | 1 | $ 270,000 | $ 270,000 | $ 74,000 |
| Washtenaw, Michigan | 1 | $ 204,000 | $ 204,000 | $ 84,000 |
| Carteret, North Carolina | 1 | $ 280,000 | $ 280,000 | $ 95,000 |
| New Hanover, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Champaign, Ohio | 1 | $ 190,000 | $ 190,000 | $ 65,000 |
| Clark, Ohio | 1 | $ 262,000 | $ 262,000 | $ 162,000 |
| Clermont, Ohio | 1 | $ 134,000 | $ 134,000 | $ 50,000 |
| Fayette, Ohio | 1 | $ 96,000 | $ 96,000 | $ 84,000 |
| Lake, Ohio | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Lorain, Ohio | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Marion, Ohio | 1 | $ 309,000 | $ 309,000 | $ 182,000 |
| Richland, Ohio | 1 | $ 41,000 | $ 41,000 | $ 73,000 |
| Ross, Ohio | 1 | $ 63,000 | $ 63,000 | $ 35,000 |
| Shelby, Ohio | 1 | $ 111,000 | $ 111,000 | $ 65,000 |
| Wayne, Ohio | 1 | $ 113,000 | $ 113,000 | $ 82,000 |
| Davidson, Tennessee | 1 | $ 267,000 | $ 267,000 | $ 147,000 |
| Williamson, Tennessee | 1 | $ 193,000 | $ 193,000 | $ 88,000 |
| Tarrant, Texas | 1 | $ 109,000 | $ 109,000 | $ 77,000 |
| Utah, Utah | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Fairfax, Virginia | 1 | $ 307,000 | $ 307,000 | $ 961,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2012
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 | 1,606 | $255,790,000 | $159,000 | $1,214,000 | $98,000 | $961,000 |
| Home Purchase | 931 | $145,104,000 | $155,000 | $1,250,000 | $80,000 | $1,135,000 |
| Home Improvement | 22 | $2,308,000 | $104,000 | $220,000 | $67,000 | $236,000 |
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 | 2,393 | $369,093,000 | $154,000 | $1,214,000 | $91,000 | $1,135,000 |
| Asian | 59 | $13,681,000 | $231,000 | $590,000 | $154,000 | $961,000 |
| Black or African American | 43 | $5,986,000 | $139,000 | $464,000 | $67,000 | $242,000 |
| Hispanic | 29 | $3,056,000 | $105,000 | $496,000 | $58,000 | $163,000 |
| Not applicable | 23 | $10,140,000 | $440,000 | $1,250,000 | $0 | $0 |
| Not Provided | 9 | $426,000 | $47,000 | $129,000 | $51,000 | $165,000 |
| American Indian or Alaskan Native | 2 | $679,000 | $339,000 | $403,000 | $185,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $141,000 | $141,000 | $141,000 | $73,000 | $73,000 |
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) | 2,119 | $348,775,000 | $164,000 | $1,250,000 | $98,000 | $1,135,000 |
| FHA-insured (Federal Housing Administration) | 323 | $39,501,000 | $122,000 | $337,000 | $57,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 60 | $9,872,000 | $164,000 | $464,000 | $73,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $5,054,000 | $88,000 | $202,000 | $35,000 | $69,000 |
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 | 2,124 | $349,481,000 | $164,000 | $1,250,000 | $96,000 | $1,135,000 |
| Application Denied By Financial Institution | 179 | $20,676,000 | $115,000 | $464,000 | $59,000 | $303,000 |
| Application Withdrawn By Applicant | 118 | $19,404,000 | $164,000 | $893,000 | $82,000 | $332,000 |
| Preapproval Denied by Financial Institution | 87 | $7,717,000 | $88,000 | $232,000 | $42,000 | $101,000 |
| Application Approved But Not Accepted | 48 | $5,657,000 | $117,000 | $375,000 | $72,000 | $191,000 |
| File Closed For Incompleteness | 2 | $158,000 | $79,000 | $82,000 | $34,000 | $42,000 |
| Loan Purchased By The Institution | 1 | $109,000 | $109,000 | $109,000 | $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 2012 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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