The State Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, The State Bank & Trust Company of Defiance, OH reported 2,022 mortgage applications totaling $362.1 million, up 35% from 2014. The average application was for $179,103, and applicants reported an average income of $100,071. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (1,015), Toledo, OH (194) and Fort Wayne, IN (45) (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 | 2,022 |
| Total Mortgage Loan Application Amount | $362,147,000 |
| Average Mortgage Loan Application Amount | $179,103 |
| Highest Mortgage Loan Application Amount | $1,078,000 |
| Average Applicant Income | $100,071 |
| Highest Applicant Income | $1,248,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 726 | $ 138,651,000 | $ 190,979 | $ 106,000 |
| Hancock, Ohio | 161 | $ 24,050,000 | $ 149,378 | $ 82,000 |
| Delaware, Ohio | 158 | $ 44,995,000 | $ 284,778 | $ 153,000 |
| Defiance, Ohio | 128 | $ 15,028,000 | $ 117,406 | $ 78,000 |
| Williams, Ohio | 88 | $ 8,897,000 | $ 101,102 | $ 62,000 |
| Paulding, Ohio | 83 | $ 8,121,000 | $ 97,843 | $ 60,000 |
| Fulton, Ohio | 78 | $ 9,531,000 | $ 122,192 | $ 58,000 |
| Lucas, Ohio | 59 | $ 9,352,000 | $ 158,508 | $ 95,000 |
| Wood, Ohio | 57 | $ 9,696,000 | $ 170,105 | $ 103,000 |
| Allen, Indiana | 41 | $ 7,655,000 | $ 186,707 | $ 139,000 |
| Fairfield, Ohio | 38 | $ 7,776,000 | $ 204,631 | $ 84,000 |
| Licking, Ohio | 33 | $ 7,924,000 | $ 240,121 | $ 114,000 |
| Allen, Ohio | 30 | $ 4,978,000 | $ 165,933 | $ 109,000 |
| Union, Ohio | 28 | $ 9,054,000 | $ 323,357 | $ 154,000 |
| Steuben, Indiana | 27 | $ 5,530,000 | $ 204,814 | $ 115,000 |
| Seneca, Ohio | 21 | $ 2,521,000 | $ 120,047 | $ 57,000 |
| DeKalb, Indiana | 19 | $ 2,800,000 | $ 147,368 | $ 70,000 |
| Henry, Ohio | 17 | $ 1,730,000 | $ 101,764 | $ 61,000 |
| Pickaway, Ohio | 13 | $ 2,926,000 | $ 225,076 | $ 100,000 |
| Ottawa, Ohio | 10 | $ 1,825,000 | $ 182,500 | $ 109,000 |
| Putnam, Ohio | 10 | $ 1,098,000 | $ 109,800 | $ 59,000 |
| Kosciusko, Indiana | 8 | $ 1,177,000 | $ 147,125 | $ 89,000 |
| Monroe, Michigan | 7 | $ 1,295,000 | $ 185,000 | $ 133,000 |
| Madison, Ohio | 7 | $ 2,403,000 | $ 343,285 | $ 125,000 |
| Lenawee, Michigan | 6 | $ 802,000 | $ 133,666 | $ 91,000 |
| Morrow, Ohio | 6 | $ 1,199,000 | $ 199,833 | $ 113,000 |
| Sandusky, Ohio | 6 | $ 846,000 | $ 141,000 | $ 98,000 |
| Wyandot, Ohio | 6 | $ 590,000 | $ 98,333 | $ 31,000 |
| Hillsdale, Michigan | 5 | $ 680,000 | $ 136,000 | $ 56,000 |
| Auglaize, Ohio | 5 | $ 597,000 | $ 119,400 | $ 134,000 |
| Knox, Ohio | 5 | $ 1,023,000 | $ 204,600 | $ 83,000 |
| Ross, Ohio | 5 | $ 1,205,000 | $ 241,000 | $ 149,000 |
| Van Wert, Ohio | 5 | $ 632,000 | $ 126,400 | $ 111,000 |
| Whitley, Indiana | 4 | $ 618,000 | $ 154,500 | $ 80,000 |
| Clark, Ohio | 4 | $ 818,000 | $ 204,500 | $ 96,000 |
| Hardin, Ohio | 4 | $ 468,000 | $ 117,000 | $ 62,000 |
| Hocking, Ohio | 4 | $ 833,000 | $ 208,250 | $ 196,000 |
| Lawrence, Ohio | 4 | $ 899,000 | $ 224,750 | $ 93,000 |
| Logan, Ohio | 4 | $ 552,000 | $ 138,000 | $ 55,000 |
| Scioto, Ohio | 4 | $ 773,000 | $ 193,250 | $ 111,000 |
| LaGrange, Indiana | 3 | $ 687,000 | $ 229,000 | $ 115,000 |
| Jackson, Michigan | 3 | $ 735,000 | $ 245,000 | $ 143,000 |
| Collier, Florida | 2 | $ 340,000 | $ 170,000 | $ 307,000 |
| Lee, Florida | 2 | $ 600,000 | $ 300,000 | $ 344,000 |
| Pinellas, Florida | 2 | $ 506,000 | $ 253,000 | $ 118,000 |
| Cook, Illinois | 2 | $ 691,000 | $ 345,500 | $ 169,000 |
| Noble, Indiana | 2 | $ 605,000 | $ 302,500 | $ 190,000 |
| Branch, Michigan | 2 | $ 389,000 | $ 194,500 | $ 249,000 |
| Calhoun, Michigan | 2 | $ 122,000 | $ 61,000 | $ 27,000 |
| St. Joseph, Michigan | 2 | $ 296,000 | $ 148,000 | $ 52,000 |
| Champaign, Ohio | 2 | $ 304,000 | $ 152,000 | $ 129,000 |
| Fayette, Ohio | 2 | $ 607,000 | $ 303,500 | $ 177,000 |
| Huron, Ohio | 2 | $ 340,000 | $ 170,000 | $ 68,000 |
| Lake, Ohio | 2 | $ 395,000 | $ 197,500 | $ 69,000 |
| Marion, Ohio | 2 | $ 173,000 | $ 86,500 | $ 45,000 |
| Montgomery, Ohio | 2 | $ 464,000 | $ 232,000 | $ 96,000 |
| Perry, Ohio | 2 | $ 308,000 | $ 154,000 | $ 57,000 |
| Cumberland, Pennsylvania | 2 | $ 600,000 | $ 300,000 | $ 331,000 |
| Charlotte, Florida | 1 | $ 827,000 | $ 827,000 | $ 381,000 |
| Hillsborough, Florida | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Indian River, Florida | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Monroe, Florida | 1 | $ 352,000 | $ 352,000 | $ 317,000 |
| Sarasota, Florida | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Catoosa, Georgia | 1 | $ 380,000 | $ 380,000 | $ 124,000 |
| Chatham, Georgia | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Elkhart, Indiana | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| Hamilton, Indiana | 1 | $ 792,000 | $ 792,000 | $ 161,000 |
| Marion, Indiana | 1 | $ 178,000 | $ 178,000 | $ 86,000 |
| Miami, Indiana | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| Spencer, Indiana | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Hampshire, Massachusetts | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| Kalamazoo, Michigan | 1 | $ 158,000 | $ 158,000 | $ 122,000 |
| Ottawa, Michigan | 1 | $ 209,000 | $ 209,000 | $ 87,000 |
| Wayne, Michigan | 1 | $ 388,000 | $ 388,000 | $ 167,000 |
| Wake, North Carolina | 1 | $ 324,000 | $ 324,000 | $ 189,000 |
| Ashland, Ohio | 1 | $ 56,000 | $ 56,000 | $ 132,000 |
| Ashtabula, Ohio | 1 | $ 200,000 | $ 200,000 | $ 119,000 |
| Athens, Ohio | 1 | $ 289,000 | $ 289,000 | $ 122,000 |
| Butler, Ohio | 1 | $ 191,000 | $ 191,000 | $ 47,000 |
| Crawford, Ohio | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Cuyahoga, Ohio | 1 | $ 371,000 | $ 371,000 | $ 693,000 |
| Erie, Ohio | 1 | $ 196,000 | $ 196,000 | $ 72,000 |
| Greene, Ohio | 1 | $ 159,000 | $ 159,000 | $ 151,000 |
| Hamilton, Ohio | 1 | $ 62,000 | $ 62,000 | $ 101,000 |
| Miami, Ohio | 1 | $ 380,000 | $ 380,000 | $ 113,000 |
| Pike, Ohio | 1 | $ 269,000 | $ 269,000 | $ 116,000 |
| Richland, Ohio | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Summit, Ohio | 1 | $ 772,000 | $ 772,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 119,000 | $ 119,000 | $ 39,000 |
| Warren, Ohio | 1 | $ 417,000 | $ 417,000 | $ 295,000 |
| Wayne, Ohio | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Georgetown, South Carolina | 1 | $ 87,000 | $ 87,000 | $ 64,000 |
| Claiborne, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 756,000 |
| Shelby, Tennessee | 1 | $ 131,000 | $ 131,000 | $ 245,000 |
| Utah, Utah | 1 | $ 695,000 | $ 695,000 | $ 250,000 |
| Cabell, West Virginia | 1 | $ 120,000 | $ 120,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2015
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 | 1,458 | $262,842,000 | $180,000 | $1,078,000 | $96,000 | $1,248,000 |
| Refinancing | 542 | $96,667,000 | $178,000 | $825,000 | $112,000 | $975,000 |
| Home Improvement | 22 | $2,638,000 | $119,000 | $287,000 | $76,000 | $224,000 |
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 | 1,842 | $324,928,000 | $176,000 | $1,050,000 | $101,000 | $1,248,000 |
| Asian | 69 | $16,948,000 | $245,000 | $1,078,000 | $140,000 | $543,000 |
| Black or African American | 54 | $10,297,000 | $190,000 | $495,000 | $94,000 | $375,000 |
| Hispanic | 32 | $5,069,000 | $158,000 | $417,000 | $92,000 | $373,000 |
| Not applicable | 22 | $4,355,000 | $197,000 | $730,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $164,000 | $82,000 | $113,000 | $46,000 | $54,000 |
| Not Provided | 1 | $386,000 | $386,000 | $386,000 | $200,000 | $200,000 |
| 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) | 1,681 | $312,554,000 | $185,000 | $1,078,000 | $108,000 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 237 | $33,616,000 | $141,000 | $355,000 | $64,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $5,563,000 | $104,000 | $205,000 | $43,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 51 | $10,414,000 | $204,000 | $631,000 | $80,000 | $206,000 |
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 | 1,795 | $327,025,000 | $182,000 | $1,078,000 | $103,000 | $1,248,000 |
| Application Denied By Financial Institution | 81 | $11,824,000 | $145,000 | $714,000 | $75,000 | $360,000 |
| Application Withdrawn By Applicant | 67 | $9,541,000 | $142,000 | $560,000 | $88,000 | $528,000 |
| Application Approved But Not Accepted | 56 | $10,922,000 | $195,000 | $417,000 | $102,000 | $300,000 |
| Preapproval Denied by Financial Institution | 23 | $2,835,000 | $123,000 | $380,000 | $48,000 | $98,000 |
| 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 2015 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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