The State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
The State Bank And Trust Company 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The State Bank And Trust Company 401 Clinton Street Defiance, OH 43512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $169,666 |
| Highest Mortgage Loan Application Amount | $2,295,000 |
| Average Applicant Income | $103,666 |
| Highest Applicant Income | $1,929,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with The State Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The State Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down The State Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The State Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by The State Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The State Bank And Trust Company's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 741 | $ 145,731,000 | $ 196,000 | $ 105,000 |
| Hancock County Ohio | 169 | $ 30,312,000 | $ 179,000 | $ 90,000 |
| Delaware County Ohio | 164 | $ 48,467,000 | $ 295,000 | $ 152,000 |
| Defiance County Ohio | 147 | $ 19,307,000 | $ 131,000 | $ 90,000 |
| Lucas County Ohio | 111 | $ 19,321,000 | $ 174,000 | $ 109,000 |
| Paulding County Ohio | 99 | $ 9,891,000 | $ 99,000 | $ 61,000 |
| Williams County Ohio | 98 | $ 10,205,000 | $ 104,000 | $ 65,000 |
| Seneca County Ohio | 78 | $ 8,166,000 | $ 104,000 | $ 62,000 |
| Wood County Ohio | 64 | $ 11,052,000 | $ 172,000 | $ 96,000 |
| Fulton County Ohio | 61 | $ 7,922,000 | $ 129,000 | $ 71,000 |
| Monroe County Michigan | 54 | $ 10,138,000 | $ 187,000 | $ 101,000 |
| Allen County Ohio | 51 | $ 5,985,000 | $ 117,000 | $ 79,000 |
| Fairfield County Ohio | 48 | $ 11,891,000 | $ 247,000 | $ 118,000 |
| Licking County Ohio | 45 | $ 8,959,000 | $ 199,000 | $ 104,000 |
| Allen County Indiana | 42 | $ 7,521,000 | $ 179,000 | $ 94,000 |
| Steuben County Indiana | 30 | $ 6,418,000 | $ 213,000 | $ 119,000 |
| Pickaway County Ohio | 29 | $ 6,814,000 | $ 234,000 | $ 97,000 |
| Henry County Ohio | 25 | $ 3,569,000 | $ 142,000 | $ 74,000 |
| Union County Ohio | 22 | $ 5,618,000 | $ 255,000 | $ 122,000 |
| DeKalb County Indiana | 20 | $ 3,005,000 | $ 150,000 | $ 69,000 |
| Ottawa County Ohio | 16 | $ 3,191,000 | $ 199,000 | $ 141,000 |
| Knox County Ohio | 14 | $ 2,504,000 | $ 178,000 | $ 108,000 |
| Madison County Ohio | 12 | $ 2,197,000 | $ 183,000 | $ 130,000 |
| Branch County Michigan | 11 | $ 2,315,000 | $ 210,000 | $ 236,000 |
| Putnam County Ohio | 11 | $ 1,377,000 | $ 125,000 | $ 65,000 |
| Wyandot County Ohio | 11 | $ 1,203,000 | $ 109,000 | $ 57,000 |
| Kosciusko County Indiana | 8 | $ 1,833,000 | $ 229,000 | $ 109,000 |
| Lenawee County Michigan | 8 | $ 1,048,000 | $ 131,000 | $ 108,000 |
| Sandusky County Ohio | 8 | $ 909,000 | $ 113,000 | $ 67,000 |
| Huron County Ohio | 7 | $ 899,000 | $ 128,000 | $ 69,000 |
| Hillsdale County Michigan | 6 | $ 530,000 | $ 88,000 | $ 111,000 |
| Lee County Florida | 5 | $ 1,899,000 | $ 379,000 | $ 573,000 |
| Auglaize County Ohio | 5 | $ 1,132,000 | $ 226,000 | $ 123,000 |
| Greene County Ohio | 5 | $ 873,000 | $ 174,000 | $ 148,000 |
| Logan County Ohio | 5 | $ 774,000 | $ 154,000 | $ 170,000 |
| Champaign County Ohio | 4 | $ 658,000 | $ 164,000 | $ 68,000 |
| Cuyahoga County Ohio | 4 | $ 625,000 | $ 156,000 | $ 183,000 |
| Fayette County Ohio | 4 | $ 1,126,000 | $ 281,000 | $ 139,000 |
| Hocking County Ohio | 4 | $ 754,000 | $ 188,000 | $ 149,000 |
| Morrow County Ohio | 4 | $ 840,000 | $ 210,000 | $ 112,000 |
| Hamilton County Indiana | 3 | $ 958,000 | $ 319,000 | $ 313,000 |
| Noble County Indiana | 3 | $ 625,000 | $ 208,000 | $ 104,000 |
| Oakland County Michigan | 3 | $ 582,000 | $ 194,000 | $ 130,000 |
| Crawford County Ohio | 3 | $ 306,000 | $ 102,000 | $ 39,000 |
| Hardin County Ohio | 3 | $ 530,000 | $ 176,000 | $ 121,000 |
| Lorain County Ohio | 3 | $ 436,000 | $ 145,000 | $ 74,000 |
| Ross County Ohio | 3 | $ 708,000 | $ 236,000 | $ 143,000 |
| Van Wert County Ohio | 3 | $ 229,000 | $ 76,000 | $ 38,000 |
| Warren County Ohio | 3 | $ 1,239,000 | $ 413,000 | $ 173,000 |
| Hillsborough County Florida | 2 | $ 379,000 | $ 189,000 | $ 114,000 |
| Elkhart County Indiana | 2 | $ 372,000 | $ 186,000 | $ 90,000 |
| Huntington County Indiana | 2 | $ 362,000 | $ 181,000 | $ 59,000 |
| LaGrange County Indiana | 2 | $ 666,000 | $ 333,000 | $ 106,000 |
| Jackson County Michigan | 2 | $ 419,000 | $ 209,000 | $ 285,000 |
| Mackinac County Michigan | 2 | $ 390,000 | $ 195,000 | $ 153,000 |
| Erie County Ohio | 2 | $ 295,000 | $ 147,000 | $ 67,000 |
| Lake County Ohio | 2 | $ 416,000 | $ 208,000 | $ 70,000 |
| Lawrence County Ohio | 2 | $ 643,000 | $ 321,000 | $ 104,000 |
| Marion County Ohio | 2 | $ 201,000 | $ 100,000 | $ 60,000 |
| Montgomery County Ohio | 2 | $ 335,000 | $ 167,000 | $ 91,000 |
| Portage County Ohio | 2 | $ 383,000 | $ 191,000 | $ 85,000 |
| Scioto County Ohio | 2 | $ 656,000 | $ 328,000 | $ 143,000 |
| Stark County Ohio | 2 | $ 262,000 | $ 131,000 | $ 31,000 |
| Maricopa County Arizona | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Indian River County Florida | 1 | $ 443,000 | $ 443,000 | $ 176,000 |
| Orange County Florida | 1 | $ 417,000 | $ 417,000 | $ 871,000 |
| Pasco County Florida | 1 | $ 60,000 | $ 60,000 | $ 122,000 |
| Polk County Florida | 1 | $ 108,000 | $ 108,000 | $ 116,000 |
| St. Johns County Florida | 1 | $ 213,000 | $ 213,000 | $ 117,000 |
| St. Lucie County Florida | 1 | $ 567,000 | $ 567,000 | $ 449,000 |
| Cook County Illinois | 1 | $ 398,000 | $ 398,000 | $ 349,000 |
| Adams County Indiana | 1 | $ 191,000 | $ 191,000 | $ 106,000 |
| Jay County Indiana | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Marshall County Indiana | 1 | $ 214,000 | $ 214,000 | $ 84,000 |
| St. Joseph County Indiana | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Tippecanoe County Indiana | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Wells County Indiana | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Allegan County Michigan | 1 | $ 1,050,000 | $ 1,050,000 | $ 233,000 |
| Benzie County Michigan | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Calhoun County Michigan | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Ingham County Michigan | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Ionia County Michigan | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Lake County Michigan | 1 | $ 34,000 | $ 34,000 | $ 63,000 |
| Ottawa County Michigan | 1 | $ 275,000 | $ 275,000 | $ 137,000 |
| Roscommon County Michigan | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| St. Joseph County Michigan | 1 | $ 89,000 | $ 89,000 | $ 49,000 |
| Washtenaw County Michigan | 1 | $ 89,000 | $ 89,000 | $ 266,000 |
| Wayne County Michigan | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Athens County Ohio | 1 | $ 157,000 | $ 157,000 | $ 78,000 |
| Butler County Ohio | 1 | $ 179,000 | $ 179,000 | $ 100,000 |
| Clark County Ohio | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Clermont County Ohio | 1 | $ 287,000 | $ 287,000 | $ 394,000 |
| Hamilton County Ohio | 1 | $ 233,000 | $ 233,000 | $ 79,000 |
| Jackson County Ohio | 1 | $ 160,000 | $ 160,000 | $ 171,000 |
| Medina County Ohio | 1 | $ 224,000 | $ 224,000 | $ 146,000 |
| Mercer County Ohio | 1 | $ 193,000 | $ 193,000 | $ 55,000 |
| Muskingum County Ohio | 1 | $ 289,000 | $ 289,000 | $ 84,000 |
| Pike County Ohio | 1 | $ 122,000 | $ 122,000 | $ 94,000 |
| Richland County Ohio | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Wayne County Ohio | 1 | $ 130,000 | $ 130,000 | $ 73,000 |
| Beaufort County South Carolina | 1 | $ 287,000 | $ 287,000 | $ 258,000 |
| Davidson County Tennessee | 1 | $ 333,000 | $ 333,000 | $ 193,000 |
| Cabell County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for The State Bank And 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 And 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 And 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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