The State Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, The State Bank & Trust Company of Defiance, OH reported 1,495 mortgage applications totaling $260.2 million, down 24% from 2013. The average application was for $174,034, and applicants reported an average income of $95,973. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (833), Toledo, OH (148) and Lima, OH (64) (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 | 1,495 |
| Total Mortgage Loan Application Amount | $260,181,000 |
| Average Mortgage Loan Application Amount | $174,034 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $95,973 |
| Highest Applicant Income | $2,060,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 584 | $ 107,840,000 | $ 184,657 | $ 106,000 |
| Delaware, Ohio | 130 | $ 39,808,000 | $ 306,215 | $ 130,000 |
| Defiance, Ohio | 88 | $ 10,573,000 | $ 120,147 | $ 69,000 |
| Williams, Ohio | 72 | $ 6,446,000 | $ 89,527 | $ 57,000 |
| Allen, Ohio | 64 | $ 6,481,000 | $ 101,265 | $ 64,000 |
| Lucas, Ohio | 58 | $ 9,697,000 | $ 167,189 | $ 117,000 |
| Paulding, Ohio | 56 | $ 5,290,000 | $ 94,464 | $ 65,000 |
| Fulton, Ohio | 53 | $ 7,461,000 | $ 140,773 | $ 66,000 |
| Licking, Ohio | 43 | $ 8,631,000 | $ 200,720 | $ 87,000 |
| Fairfield, Ohio | 39 | $ 7,203,000 | $ 184,692 | $ 97,000 |
| Wood, Ohio | 37 | $ 6,486,000 | $ 175,297 | $ 85,000 |
| Allen, Indiana | 29 | $ 4,061,000 | $ 140,034 | $ 89,000 |
| Union, Ohio | 18 | $ 4,619,000 | $ 256,611 | $ 152,000 |
| DeKalb, Indiana | 16 | $ 2,270,000 | $ 141,875 | $ 78,000 |
| Pickaway, Ohio | 12 | $ 2,564,000 | $ 213,666 | $ 98,000 |
| Steuben, Indiana | 10 | $ 1,630,000 | $ 163,000 | $ 127,000 |
| Henry, Ohio | 9 | $ 1,326,000 | $ 147,333 | $ 185,000 |
| Auglaize, Ohio | 8 | $ 1,111,000 | $ 138,875 | $ 70,000 |
| Hillsdale, Michigan | 6 | $ 660,000 | $ 110,000 | $ 68,000 |
| Monroe, Michigan | 6 | $ 1,050,000 | $ 175,000 | $ 139,000 |
| Branch, Michigan | 5 | $ 455,000 | $ 91,000 | $ 82,000 |
| Clark, Ohio | 5 | $ 878,000 | $ 175,600 | $ 65,000 |
| Hancock, Ohio | 5 | $ 705,000 | $ 141,000 | $ 92,000 |
| Madison, Ohio | 5 | $ 1,139,000 | $ 227,800 | $ 98,000 |
| Lenawee, Michigan | 4 | $ 900,000 | $ 225,000 | $ 124,000 |
| Knox, Ohio | 3 | $ 702,000 | $ 234,000 | $ 89,000 |
| Lawrence, Ohio | 3 | $ 757,000 | $ 252,333 | $ 89,000 |
| Ottawa, Ohio | 3 | $ 753,000 | $ 251,000 | $ 114,000 |
| Putnam, Ohio | 3 | $ 259,000 | $ 86,333 | $ 38,000 |
| Lee, Florida | 2 | $ 478,000 | $ 239,000 | $ 215,000 |
| LaGrange, Indiana | 2 | $ 2,100,000 | $ 1,050,000 | $ 845,000 |
| Noble, Indiana | 2 | $ 676,000 | $ 338,000 | $ 143,000 |
| Whitley, Indiana | 2 | $ 177,000 | $ 88,500 | $ 65,000 |
| Washtenaw, Michigan | 2 | $ 373,000 | $ 186,500 | $ 185,000 |
| Miami, Ohio | 2 | $ 321,000 | $ 160,500 | $ 81,000 |
| Van Wert, Ohio | 2 | $ 251,000 | $ 125,500 | $ 81,000 |
| Warren, Ohio | 2 | $ 500,000 | $ 250,000 | $ 124,000 |
| Lee, Alabama | 1 | $ 88,000 | $ 88,000 | $ 317,000 |
| Bay, Florida | 1 | $ 127,000 | $ 127,000 | $ 120,000 |
| Charlotte, Florida | 1 | $ 199,000 | $ 199,000 | $ 296,000 |
| Sarasota, Florida | 1 | $ 84,000 | $ 84,000 | $ 241,000 |
| Adams, Indiana | 1 | $ 101,000 | $ 101,000 | $ 34,000 |
| Hendricks, Indiana | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Kosciusko, Indiana | 1 | $ 194,000 | $ 194,000 | $ 107,000 |
| White, Indiana | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Emmet, Iowa | 1 | $ 170,000 | $ 170,000 | $ 294,000 |
| Jefferson, Louisiana | 1 | $ 82,000 | $ 82,000 | $ 59,000 |
| Middlesex, Massachusetts | 1 | $ 399,000 | $ 399,000 | $ 263,000 |
| Ottawa, Michigan | 1 | $ 208,000 | $ 208,000 | $ 87,000 |
| Athens, Ohio | 1 | $ 159,000 | $ 159,000 | $ 92,000 |
| Butler, Ohio | 1 | $ 149,000 | $ 149,000 | $ 28,000 |
| Erie, Ohio | 1 | $ 274,000 | $ 274,000 | $ 99,000 |
| Fayette, Ohio | 1 | $ 594,000 | $ 594,000 | $ 134,000 |
| Hamilton, Ohio | 1 | $ 152,000 | $ 152,000 | $ 234,000 |
| Hardin, Ohio | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Jackson, Ohio | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Lake, Ohio | 1 | $ 154,000 | $ 154,000 | $ 66,000 |
| Logan, Ohio | 1 | $ 49,000 | $ 49,000 | $ 31,000 |
| Lorain, Ohio | 1 | $ 172,000 | $ 172,000 | $ 90,000 |
| Marion, Ohio | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Mercer, Ohio | 1 | $ 106,000 | $ 106,000 | $ 77,000 |
| Montgomery, Ohio | 1 | $ 124,000 | $ 124,000 | $ 29,000 |
| Morrow, Ohio | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Perry, Ohio | 1 | $ 210,000 | $ 210,000 | $ 75,000 |
| Richland, Ohio | 1 | $ 261,000 | $ 261,000 | $ 105,000 |
| Seneca, Ohio | 1 | $ 43,000 | $ 43,000 | $ 38,000 |
| Wayne, Ohio | 1 | $ 178,000 | $ 178,000 | $ 78,000 |
| Allegheny, Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 278,000 |
| Loudon, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 184,000 |
| Sevier, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 107,000 |
| Sullivan, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 196,000 |
| Salt Lake, Utah | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2014
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 | 1,207 | $215,095,000 | $178,000 | $1,800,000 | $96,000 | $2,060,000 |
| Refinancing | 275 | $43,478,000 | $158,000 | $1,700,000 | $96,000 | $861,000 |
| Home Improvement | 13 | $1,608,000 | $123,000 | $417,000 | $93,000 | $251,000 |
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 | 1,367 | $233,022,000 | $170,000 | $1,800,000 | $98,000 | $2,060,000 |
| Black or African American | 46 | $8,060,000 | $175,000 | $1,189,000 | $87,000 | $600,000 |
| Asian | 33 | $6,389,000 | $193,000 | $417,000 | $112,000 | $374,000 |
| Hispanic | 23 | $3,185,000 | $138,000 | $665,000 | $85,000 | $672,000 |
| Not applicable | 19 | $8,354,000 | $439,000 | $1,481,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $831,000 | $166,000 | $285,000 | $135,000 | $246,000 |
| Not Provided | 2 | $340,000 | $170,000 | $300,000 | $143,000 | $266,000 |
| 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) | 1,141 | $216,006,000 | $189,000 | $1,800,000 | $109,000 | $2,060,000 |
| FHA-insured (Federal Housing Administration) | 202 | $24,593,000 | $121,000 | $314,000 | $57,000 | $278,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $9,128,000 | $97,000 | $242,000 | $38,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 58 | $10,454,000 | $180,000 | $417,000 | $69,000 | $316,000 |
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 | 1,226 | $224,408,000 | $183,000 | $1,800,000 | $101,000 | $2,060,000 |
| Application Denied By Financial Institution | 89 | $12,481,000 | $140,000 | $1,300,000 | $79,000 | $672,000 |
| Preapproval Denied by Financial Institution | 70 | $7,150,000 | $102,000 | $300,000 | $46,000 | $266,000 |
| Application Approved But Not Accepted | 64 | $9,188,000 | $143,000 | $314,000 | $88,000 | $588,000 |
| Application Withdrawn By Applicant | 46 | $6,954,000 | $151,000 | $594,000 | $93,000 | $359,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2014 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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