The State Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, The State Bank & Trust Company of Defiance, OH reported 2,376 mortgage applications totaling $430.8 million, up 18% from 2015. The average application was for $181,329, and applicants reported an average income of $101,207. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Columbus, OH (1,069), Toledo, OH (236) and Monroe, MI (54) (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 | 2,376 |
| Total Mortgage Loan Application Amount | $430,838,000 |
| Average Mortgage Loan Application Amount | $181,329 |
| Highest Mortgage Loan Application Amount | $2,295,000 |
| Average Applicant Income | $101,207 |
| Highest Applicant Income | $1,929,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 741 | $ 145,731,000 | $ 196,668 | $ 105,000 |
| Hancock, Ohio | 169 | $ 30,312,000 | $ 179,360 | $ 90,000 |
| Delaware, Ohio | 164 | $ 48,467,000 | $ 295,530 | $ 152,000 |
| Defiance, Ohio | 147 | $ 19,307,000 | $ 131,340 | $ 90,000 |
| Lucas, Ohio | 111 | $ 19,321,000 | $ 174,063 | $ 109,000 |
| Paulding, Ohio | 99 | $ 9,891,000 | $ 99,909 | $ 61,000 |
| Williams, Ohio | 98 | $ 10,205,000 | $ 104,132 | $ 65,000 |
| Seneca, Ohio | 78 | $ 8,166,000 | $ 104,692 | $ 62,000 |
| Wood, Ohio | 64 | $ 11,052,000 | $ 172,687 | $ 96,000 |
| Fulton, Ohio | 61 | $ 7,922,000 | $ 129,868 | $ 71,000 |
| Monroe, Michigan | 54 | $ 10,138,000 | $ 187,740 | $ 101,000 |
| Allen, Ohio | 51 | $ 5,985,000 | $ 117,352 | $ 79,000 |
| Fairfield, Ohio | 48 | $ 11,891,000 | $ 247,729 | $ 118,000 |
| Licking, Ohio | 45 | $ 8,959,000 | $ 199,088 | $ 104,000 |
| Allen, Indiana | 42 | $ 7,521,000 | $ 179,071 | $ 94,000 |
| Steuben, Indiana | 30 | $ 6,418,000 | $ 213,933 | $ 119,000 |
| Pickaway, Ohio | 29 | $ 6,814,000 | $ 234,965 | $ 97,000 |
| Henry, Ohio | 25 | $ 3,569,000 | $ 142,760 | $ 74,000 |
| Union, Ohio | 22 | $ 5,618,000 | $ 255,363 | $ 122,000 |
| DeKalb, Indiana | 20 | $ 3,005,000 | $ 150,250 | $ 69,000 |
| Ottawa, Ohio | 16 | $ 3,191,000 | $ 199,437 | $ 141,000 |
| Knox, Ohio | 14 | $ 2,504,000 | $ 178,857 | $ 108,000 |
| Madison, Ohio | 12 | $ 2,197,000 | $ 183,083 | $ 130,000 |
| Branch, Michigan | 11 | $ 2,315,000 | $ 210,454 | $ 236,000 |
| Putnam, Ohio | 11 | $ 1,377,000 | $ 125,181 | $ 65,000 |
| Wyandot, Ohio | 11 | $ 1,203,000 | $ 109,363 | $ 57,000 |
| Kosciusko, Indiana | 8 | $ 1,833,000 | $ 229,125 | $ 109,000 |
| Lenawee, Michigan | 8 | $ 1,048,000 | $ 131,000 | $ 108,000 |
| Sandusky, Ohio | 8 | $ 909,000 | $ 113,625 | $ 67,000 |
| Huron, Ohio | 7 | $ 899,000 | $ 128,428 | $ 69,000 |
| Hillsdale, Michigan | 6 | $ 530,000 | $ 88,333 | $ 111,000 |
| Lee, Florida | 5 | $ 1,899,000 | $ 379,800 | $ 573,000 |
| Auglaize, Ohio | 5 | $ 1,132,000 | $ 226,400 | $ 123,000 |
| Greene, Ohio | 5 | $ 873,000 | $ 174,600 | $ 148,000 |
| Logan, Ohio | 5 | $ 774,000 | $ 154,800 | $ 170,000 |
| Champaign, Ohio | 4 | $ 658,000 | $ 164,500 | $ 68,000 |
| Cuyahoga, Ohio | 4 | $ 625,000 | $ 156,250 | $ 183,000 |
| Fayette, Ohio | 4 | $ 1,126,000 | $ 281,500 | $ 139,000 |
| Hocking, Ohio | 4 | $ 754,000 | $ 188,500 | $ 149,000 |
| Morrow, Ohio | 4 | $ 840,000 | $ 210,000 | $ 112,000 |
| Hamilton, Indiana | 3 | $ 958,000 | $ 319,333 | $ 313,000 |
| Noble, Indiana | 3 | $ 625,000 | $ 208,333 | $ 104,000 |
| Oakland, Michigan | 3 | $ 582,000 | $ 194,000 | $ 130,000 |
| Crawford, Ohio | 3 | $ 306,000 | $ 102,000 | $ 39,000 |
| Hardin, Ohio | 3 | $ 530,000 | $ 176,666 | $ 121,000 |
| Lorain, Ohio | 3 | $ 436,000 | $ 145,333 | $ 74,000 |
| Ross, Ohio | 3 | $ 708,000 | $ 236,000 | $ 143,000 |
| Van Wert, Ohio | 3 | $ 229,000 | $ 76,333 | $ 38,000 |
| Warren, Ohio | 3 | $ 1,239,000 | $ 413,000 | $ 173,000 |
| Hillsborough, Florida | 2 | $ 379,000 | $ 189,500 | $ 114,000 |
| Elkhart, Indiana | 2 | $ 372,000 | $ 186,000 | $ 90,000 |
| Huntington, Indiana | 2 | $ 362,000 | $ 181,000 | $ 59,000 |
| LaGrange, Indiana | 2 | $ 666,000 | $ 333,000 | $ 106,000 |
| Jackson, Michigan | 2 | $ 419,000 | $ 209,500 | $ 285,000 |
| Mackinac, Michigan | 2 | $ 390,000 | $ 195,000 | $ 153,000 |
| Erie, Ohio | 2 | $ 295,000 | $ 147,500 | $ 67,000 |
| Lake, Ohio | 2 | $ 416,000 | $ 208,000 | $ 70,000 |
| Lawrence, Ohio | 2 | $ 643,000 | $ 321,500 | $ 104,000 |
| Marion, Ohio | 2 | $ 201,000 | $ 100,500 | $ 60,000 |
| Montgomery, Ohio | 2 | $ 335,000 | $ 167,500 | $ 91,000 |
| Portage, Ohio | 2 | $ 383,000 | $ 191,500 | $ 85,000 |
| Scioto, Ohio | 2 | $ 656,000 | $ 328,000 | $ 143,000 |
| Stark, Ohio | 2 | $ 262,000 | $ 131,000 | $ 31,000 |
| Maricopa, Arizona | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Indian River, Florida | 1 | $ 443,000 | $ 443,000 | $ 176,000 |
| Orange, Florida | 1 | $ 417,000 | $ 417,000 | $ 871,000 |
| Pasco, Florida | 1 | $ 60,000 | $ 60,000 | $ 122,000 |
| Polk, Florida | 1 | $ 108,000 | $ 108,000 | $ 116,000 |
| St. Johns, Florida | 1 | $ 213,000 | $ 213,000 | $ 117,000 |
| St. Lucie, Florida | 1 | $ 567,000 | $ 567,000 | $ 449,000 |
| Cook, Illinois | 1 | $ 398,000 | $ 398,000 | $ 349,000 |
| Adams, Indiana | 1 | $ 191,000 | $ 191,000 | $ 106,000 |
| Jay, Indiana | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Marshall, Indiana | 1 | $ 214,000 | $ 214,000 | $ 84,000 |
| St. Joseph, Indiana | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Tippecanoe, Indiana | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Wells, Indiana | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Allegan, Michigan | 1 | $ 1,050,000 | $ 1,050,000 | $ 233,000 |
| Benzie, Michigan | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Calhoun, Michigan | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Ingham, Michigan | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Ionia, Michigan | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Lake, Michigan | 1 | $ 34,000 | $ 34,000 | $ 63,000 |
| Ottawa, Michigan | 1 | $ 275,000 | $ 275,000 | $ 137,000 |
| Roscommon, Michigan | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| St. Joseph, Michigan | 1 | $ 89,000 | $ 89,000 | $ 49,000 |
| Washtenaw, Michigan | 1 | $ 89,000 | $ 89,000 | $ 266,000 |
| Wayne, Michigan | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Athens, Ohio | 1 | $ 157,000 | $ 157,000 | $ 78,000 |
| Butler, Ohio | 1 | $ 179,000 | $ 179,000 | $ 100,000 |
| Clark, Ohio | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Clermont, Ohio | 1 | $ 287,000 | $ 287,000 | $ 394,000 |
| Hamilton, Ohio | 1 | $ 233,000 | $ 233,000 | $ 79,000 |
| Jackson, Ohio | 1 | $ 160,000 | $ 160,000 | $ 171,000 |
| Medina, Ohio | 1 | $ 224,000 | $ 224,000 | $ 146,000 |
| Mercer, Ohio | 1 | $ 193,000 | $ 193,000 | $ 55,000 |
| Muskingum, Ohio | 1 | $ 289,000 | $ 289,000 | $ 84,000 |
| Pike, Ohio | 1 | $ 122,000 | $ 122,000 | $ 94,000 |
| Richland, Ohio | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Wayne, Ohio | 1 | $ 130,000 | $ 130,000 | $ 73,000 |
| Beaufort, South Carolina | 1 | $ 287,000 | $ 287,000 | $ 258,000 |
| Davidson, Tennessee | 1 | $ 333,000 | $ 333,000 | $ 193,000 |
| Cabell, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2016
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 | 1,713 | $302,690,000 | $176,000 | $2,295,000 | $94,000 | $1,780,000 |
| Refinancing | 632 | $123,894,000 | $196,000 | $1,450,000 | $121,000 | $1,929,000 |
| Home Improvement | 31 | $4,254,000 | $137,000 | $360,000 | $96,000 | $430,000 |
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 | 2,119 | $385,723,000 | $182,000 | $2,295,000 | $103,000 | $1,929,000 |
| Asian | 103 | $20,050,000 | $194,000 | $812,000 | $118,000 | $871,000 |
| Black or African American | 70 | $11,903,000 | $170,000 | $505,000 | $74,000 | $213,000 |
| Hispanic | 44 | $5,728,000 | $130,000 | $428,000 | $70,000 | $212,000 |
| Not applicable | 22 | $4,233,000 | $192,000 | $1,000,000 | $0 | $0 |
| Not Provided | 14 | $2,761,000 | $197,000 | $680,000 | $107,000 | $445,000 |
| American Indian or Alaskan Native | 4 | $440,000 | $110,000 | $122,000 | $74,000 | $126,000 |
| Native Hawaiin 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) | 1,992 | $376,932,000 | $189,000 | $2,295,000 | $109,000 | $1,929,000 |
| FHA-insured (Federal Housing Administration) | 255 | $34,577,000 | $135,000 | $322,000 | $59,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 72 | $13,886,000 | $192,000 | $431,000 | $79,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $5,443,000 | $95,000 | $205,000 | $43,000 | $73,000 |
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 | 2,081 | $384,813,000 | $184,000 | $2,295,000 | $104,000 | $1,929,000 |
| Application Withdrawn By Applicant | 101 | $15,708,000 | $155,000 | $651,000 | $91,000 | $550,000 |
| Application Denied By Financial Institution | 83 | $10,095,000 | $121,000 | $669,000 | $55,000 | $207,000 |
| Application Approved But Not Accepted | 80 | $16,338,000 | $204,000 | $893,000 | $103,000 | $406,000 |
| Preapproval Denied by Financial Institution | 31 | $3,884,000 | $125,000 | $410,000 | $51,000 | $196,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2016 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About