The State Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, The State Bank & Trust Company of Defiance, OH reported 1,971 mortgage applications totaling $304.2 million, down 23% from 2012. The average application was for $154,345, and applicants reported an average income of $87,651. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (900), Toledo, OH (240) and Lima, OH (86) (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 | 1,971 |
| Total Mortgage Loan Application Amount | $304,214,000 |
| Average Mortgage Loan Application Amount | $154,345 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $87,651 |
| Highest Applicant Income | $978,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 625 | $ 109,952,000 | $ 175,923 | $ 95,000 |
| Delaware, Ohio | 151 | $ 38,662,000 | $ 256,039 | $ 134,000 |
| Defiance, Ohio | 146 | $ 18,571,000 | $ 127,198 | $ 70,000 |
| Fulton, Ohio | 109 | $ 10,367,000 | $ 95,110 | $ 65,000 |
| Williams, Ohio | 93 | $ 8,741,000 | $ 93,989 | $ 63,000 |
| Allen, Ohio | 86 | $ 8,318,000 | $ 96,720 | $ 73,000 |
| Paulding, Ohio | 85 | $ 6,696,000 | $ 78,776 | $ 47,000 |
| Lucas, Ohio | 70 | $ 10,802,000 | $ 154,314 | $ 83,000 |
| Steuben, Indiana | 67 | $ 10,650,000 | $ 158,955 | $ 86,000 |
| Wood, Ohio | 59 | $ 7,769,000 | $ 131,677 | $ 89,000 |
| Allen, Indiana | 54 | $ 8,661,000 | $ 160,388 | $ 89,000 |
| Fairfield, Ohio | 39 | $ 7,119,000 | $ 182,538 | $ 81,000 |
| Licking, Ohio | 34 | $ 6,553,000 | $ 192,735 | $ 98,000 |
| Henry, Ohio | 23 | $ 2,536,000 | $ 110,260 | $ 76,000 |
| Union, Ohio | 23 | $ 5,231,000 | $ 227,434 | $ 136,000 |
| Pickaway, Ohio | 17 | $ 3,654,000 | $ 214,941 | $ 119,000 |
| Putnam, Ohio | 17 | $ 2,326,000 | $ 136,823 | $ 58,000 |
| DeKalb, Indiana | 16 | $ 1,771,000 | $ 110,687 | $ 69,000 |
| Hillsdale, Michigan | 14 | $ 1,399,000 | $ 99,928 | $ 75,000 |
| Auglaize, Ohio | 11 | $ 922,000 | $ 83,818 | $ 85,000 |
| Madison, Ohio | 10 | $ 2,413,000 | $ 241,300 | $ 102,000 |
| Van Wert, Ohio | 10 | $ 1,273,000 | $ 127,300 | $ 80,000 |
| LaGrange, Indiana | 8 | $ 839,000 | $ 104,875 | $ 85,000 |
| Lenawee, Michigan | 8 | $ 1,334,000 | $ 166,750 | $ 150,000 |
| Monroe, Michigan | 8 | $ 1,869,000 | $ 233,625 | $ 134,000 |
| Branch, Michigan | 6 | $ 655,000 | $ 109,166 | $ 91,000 |
| Scioto, Ohio | 5 | $ 969,000 | $ 193,800 | $ 92,000 |
| Hancock, Ohio | 4 | $ 454,000 | $ 113,500 | $ 96,000 |
| Montgomery, Ohio | 4 | $ 480,000 | $ 120,000 | $ 58,000 |
| Hardin, Ohio | 3 | $ 287,000 | $ 95,666 | $ 75,000 |
| Hocking, Ohio | 3 | $ 510,000 | $ 170,000 | $ 75,000 |
| Logan, Ohio | 3 | $ 551,000 | $ 183,666 | $ 143,000 |
| Ross, Ohio | 3 | $ 576,000 | $ 192,000 | $ 63,000 |
| Brevard, Florida | 2 | $ 420,000 | $ 210,000 | $ 251,000 |
| Charlotte, Florida | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| Collier, Florida | 2 | $ 1,058,000 | $ 529,000 | $ 106,000 |
| Cook, Illinois | 2 | $ 576,000 | $ 288,000 | $ 423,000 |
| Kosciusko, Indiana | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Noble, Indiana | 2 | $ 255,000 | $ 127,500 | $ 188,000 |
| Whitley, Indiana | 2 | $ 131,000 | $ 65,500 | $ 69,000 |
| Wayne, Michigan | 2 | $ 547,000 | $ 273,500 | $ 304,000 |
| Fayette, Ohio | 2 | $ 468,000 | $ 234,000 | $ 187,000 |
| Lake, Ohio | 2 | $ 382,000 | $ 191,000 | $ 68,000 |
| Medina, Ohio | 2 | $ 247,000 | $ 123,500 | $ 65,000 |
| Mercer, Ohio | 2 | $ 702,000 | $ 351,000 | $ 359,000 |
| Ottawa, Ohio | 2 | $ 213,000 | $ 106,500 | $ 73,000 |
| Perry, Ohio | 2 | $ 454,000 | $ 227,000 | $ 137,000 |
| Sandusky, Ohio | 2 | $ 378,000 | $ 189,000 | $ 144,000 |
| Coconino, Arizona | 1 | $ 390,000 | $ 390,000 | $ 191,000 |
| Gilpin, Colorado | 1 | $ 150,000 | $ 150,000 | $ 148,000 |
| Indian River, Florida | 1 | $ 304,000 | $ 304,000 | $ 191,000 |
| Lee, Florida | 1 | $ 254,000 | $ 254,000 | $ 202,000 |
| Sarasota, Florida | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Marion, Indiana | 1 | $ 147,000 | $ 147,000 | $ 192,000 |
| Morgan, Indiana | 1 | $ 164,000 | $ 164,000 | $ 112,000 |
| Randolph, Indiana | 1 | $ 344,000 | $ 344,000 | $ 265,000 |
| Union, Iowa | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Calhoun, Michigan | 1 | $ 66,000 | $ 66,000 | $ 24,000 |
| Isabella, Michigan | 1 | $ 81,000 | $ 81,000 | $ 182,000 |
| Jackson, Michigan | 1 | $ 304,000 | $ 304,000 | $ 89,000 |
| Kent, Michigan | 1 | $ 160,000 | $ 160,000 | $ 170,000 |
| Oakland, Michigan | 1 | $ 238,000 | $ 238,000 | $ 92,000 |
| Lee, North Carolina | 1 | $ 207,000 | $ 207,000 | $ 108,000 |
| Mecklenburg, North Carolina | 1 | $ 333,000 | $ 333,000 | $ 135,000 |
| Athens, Ohio | 1 | $ 191,000 | $ 191,000 | $ 66,000 |
| Belmont, Ohio | 1 | $ 99,000 | $ 99,000 | $ 112,000 |
| Clark, Ohio | 1 | $ 246,000 | $ 246,000 | $ 169,000 |
| Clermont, Ohio | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Crawford, Ohio | 1 | $ 101,000 | $ 101,000 | $ 42,000 |
| Hamilton, Ohio | 1 | $ 93,000 | $ 93,000 | $ 149,000 |
| Knox, Ohio | 1 | $ 194,000 | $ 194,000 | $ 58,000 |
| Lawrence, Ohio | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Marion, Ohio | 1 | $ 284,000 | $ 284,000 | $ 177,000 |
| Morrow, Ohio | 1 | $ 280,000 | $ 280,000 | $ 62,000 |
| Richland, Ohio | 1 | $ 214,000 | $ 214,000 | $ 137,000 |
| Shelby, Ohio | 1 | $ 246,000 | $ 246,000 | $ 91,000 |
| Warren, Ohio | 1 | $ 217,000 | $ 217,000 | $ 117,000 |
| Wyandot, Ohio | 1 | $ 343,000 | $ 343,000 | $ 100,000 |
| Anderson, Tennessee | 1 | $ 276,000 | $ 276,000 | $ 496,000 |
| Harris, Texas | 1 | $ 108,000 | $ 108,000 | $ 189,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2013
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,162 | $182,969,000 | $157,000 | $1,301,000 | $85,000 | $697,000 |
| Refinancing | 786 | $119,398,000 | $151,000 | $2,400,000 | $92,000 | $978,000 |
| Home Improvement | 23 | $1,847,000 | $80,000 | $200,000 | $73,000 | $250,000 |
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 | 1,822 | $278,671,000 | $152,000 | $2,400,000 | $89,000 | $978,000 |
| Black or African American | 53 | $8,491,000 | $160,000 | $959,000 | $72,000 | $243,000 |
| Hispanic | 34 | $3,494,000 | $102,000 | $322,000 | $67,000 | $269,000 |
| Asian | 28 | $5,283,000 | $188,000 | $400,000 | $170,000 | $692,000 |
| Not applicable | 23 | $6,829,000 | $296,000 | $1,440,000 | $0 | $0 |
| Not Provided | 7 | $702,000 | $100,000 | $158,000 | $66,000 | $156,000 |
| American Indian or Alaskan Native | 2 | $391,000 | $195,000 | $231,000 | $90,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $353,000 | $176,000 | $243,000 | $26,000 | $53,000 |
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) | 1,547 | $251,019,000 | $162,000 | $2,400,000 | $96,000 | $978,000 |
| FHA-insured (Federal Housing Administration) | 280 | $36,131,000 | $129,000 | $347,000 | $60,000 | $355,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $8,096,000 | $88,000 | $219,000 | $37,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 52 | $8,968,000 | $172,000 | $342,000 | $77,000 | $202,000 |
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 | 1,578 | $257,059,000 | $162,000 | $2,400,000 | $93,000 | $978,000 |
| Application Denied By Financial Institution | 126 | $14,999,000 | $119,000 | $1,301,000 | $67,000 | $449,000 |
| Application Withdrawn By Applicant | 103 | $13,513,000 | $131,000 | $400,000 | $72,000 | $273,000 |
| Preapproval Denied by Financial Institution | 95 | $8,136,000 | $85,000 | $240,000 | $42,000 | $143,000 |
| Application Approved But Not Accepted | 65 | $10,214,000 | $157,000 | $403,000 | $87,000 | $277,000 |
| File Closed For Incompleteness | 4 | $293,000 | $73,000 | $124,000 | $79,000 | $144,000 |
| 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 2013 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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with aggregated HMDA statistics today.
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