The State Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, The State Bank & Trust Company of Defiance, OH reported 1,996 mortgage applications totaling $375.8 million, down 16% from 2016. The average application was for $188,291, and applicants reported an average income of $94,571. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (893), Toledo, OH (221) and Lima, OH (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 | 1,996 |
| Total Mortgage Loan Application Amount | $375,830,000 |
| Average Mortgage Loan Application Amount | $188,291 |
| Highest Mortgage Loan Application Amount | $4,440,000 |
| Average Applicant Income | $94,571 |
| Highest Applicant Income | $1,521,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 622 | $ 129,827,000 | $ 208,725 | $ 104,000 |
| Defiance, Ohio | 123 | $ 14,353,000 | $ 116,691 | $ 72,000 |
| Hancock, Ohio | 117 | $ 26,387,000 | $ 225,529 | $ 87,000 |
| Delaware, Ohio | 113 | $ 30,648,000 | $ 271,221 | $ 126,000 |
| Lucas, Ohio | 96 | $ 17,521,000 | $ 182,510 | $ 97,000 |
| Paulding, Ohio | 94 | $ 8,937,000 | $ 95,074 | $ 57,000 |
| Seneca, Ohio | 87 | $ 9,811,000 | $ 112,770 | $ 57,000 |
| Williams, Ohio | 70 | $ 7,517,000 | $ 107,385 | $ 55,000 |
| Fulton, Ohio | 68 | $ 7,856,000 | $ 115,529 | $ 67,000 |
| Wood, Ohio | 57 | $ 11,375,000 | $ 199,561 | $ 77,000 |
| Allen, Ohio | 54 | $ 7,103,000 | $ 131,537 | $ 72,000 |
| Monroe, Michigan | 49 | $ 8,465,000 | $ 172,755 | $ 86,000 |
| Fairfield, Ohio | 46 | $ 10,694,000 | $ 232,478 | $ 110,000 |
| Licking, Ohio | 39 | $ 8,738,000 | $ 224,051 | $ 99,000 |
| Union, Ohio | 29 | $ 6,012,000 | $ 207,310 | $ 91,000 |
| Allen, Indiana | 25 | $ 5,824,000 | $ 232,960 | $ 127,000 |
| Henry, Ohio | 25 | $ 3,061,000 | $ 122,440 | $ 77,000 |
| Pickaway, Ohio | 19 | $ 4,111,000 | $ 216,368 | $ 93,000 |
| Steuben, Indiana | 15 | $ 2,863,000 | $ 190,866 | $ 125,000 |
| Madison, Ohio | 15 | $ 3,040,000 | $ 202,666 | $ 76,000 |
| Putnam, Ohio | 15 | $ 2,037,000 | $ 135,800 | $ 76,000 |
| Lenawee, Michigan | 13 | $ 2,218,000 | $ 170,615 | $ 86,000 |
| Ottawa, Ohio | 12 | $ 2,310,000 | $ 192,500 | $ 122,000 |
| DeKalb, Indiana | 11 | $ 1,896,000 | $ 172,363 | $ 89,000 |
| Van Wert, Ohio | 10 | $ 1,064,000 | $ 106,400 | $ 51,000 |
| Branch, Michigan | 8 | $ 2,160,000 | $ 270,000 | $ 264,000 |
| Montgomery, Ohio | 7 | $ 1,077,000 | $ 153,857 | $ 177,000 |
| Auglaize, Ohio | 6 | $ 1,413,000 | $ 235,500 | $ 148,000 |
| Hardin, Ohio | 6 | $ 764,000 | $ 127,333 | $ 51,000 |
| Clark, Ohio | 5 | $ 970,000 | $ 194,000 | $ 78,000 |
| Huron, Ohio | 5 | $ 659,000 | $ 131,800 | $ 66,000 |
| Knox, Ohio | 5 | $ 1,010,000 | $ 202,000 | $ 128,000 |
| Sandusky, Ohio | 5 | $ 423,000 | $ 84,600 | $ 43,000 |
| Summit, Ohio | 5 | $ 1,360,000 | $ 272,000 | $ 64,000 |
| Noble, Indiana | 4 | $ 716,000 | $ 179,000 | $ 106,000 |
| Cuyahoga, Ohio | 4 | $ 914,000 | $ 228,500 | $ 105,000 |
| Greene, Ohio | 4 | $ 761,000 | $ 190,250 | $ 100,000 |
| Hocking, Ohio | 4 | $ 736,000 | $ 184,000 | $ 139,000 |
| Perry, Ohio | 4 | $ 1,063,000 | $ 265,750 | $ 120,000 |
| Ross, Ohio | 4 | $ 954,000 | $ 238,500 | $ 103,000 |
| Wyandot, Ohio | 4 | $ 449,000 | $ 112,250 | $ 50,000 |
| Lee, Florida | 3 | $ 1,323,000 | $ 441,000 | $ 461,000 |
| Kosciusko, Indiana | 3 | $ 306,000 | $ 102,000 | $ 47,000 |
| Whitley, Indiana | 3 | $ 966,000 | $ 322,000 | $ 189,000 |
| Hillsdale, Michigan | 3 | $ 163,000 | $ 54,333 | $ 39,000 |
| Erie, Ohio | 3 | $ 238,000 | $ 79,333 | $ 52,000 |
| Hamilton, Ohio | 3 | $ 445,000 | $ 148,333 | $ 140,000 |
| Logan, Ohio | 3 | $ 716,000 | $ 238,666 | $ 111,000 |
| Pinellas, Florida | 2 | $ 507,000 | $ 253,500 | $ 79,000 |
| Allegan, Michigan | 2 | $ 975,000 | $ 487,500 | $ 277,000 |
| Athens, Ohio | 2 | $ 506,000 | $ 253,000 | $ 108,000 |
| Champaign, Ohio | 2 | $ 244,000 | $ 122,000 | $ 48,000 |
| Crawford, Ohio | 2 | $ 909,000 | $ 454,500 | $ 23,000 |
| Lorain, Ohio | 2 | $ 372,000 | $ 186,000 | $ 53,000 |
| Marion, Ohio | 2 | $ 224,000 | $ 112,000 | $ 83,000 |
| Mercer, Ohio | 2 | $ 375,000 | $ 187,500 | $ 59,000 |
| Morrow, Ohio | 2 | $ 309,000 | $ 154,500 | $ 53,000 |
| Warren, Ohio | 2 | $ 1,782,000 | $ 891,000 | $ 346,000 |
| Broward, Florida | 1 | $ 424,000 | $ 424,000 | $ 246,000 |
| Collier, Florida | 1 | $ 750,000 | $ 750,000 | $ 495,000 |
| Gulf, Florida | 1 | $ 389,000 | $ 389,000 | $ 162,000 |
| Hernando, Florida | 1 | $ 101,000 | $ 101,000 | $ 406,000 |
| Hillsborough, Florida | 1 | $ 132,000 | $ 132,000 | $ 72,000 |
| Orange, Florida | 1 | $ 153,000 | $ 153,000 | $ 516,000 |
| Palm Beach, Florida | 1 | $ 383,000 | $ 383,000 | $ 266,000 |
| Sarasota, Florida | 1 | $ 350,000 | $ 350,000 | $ 252,000 |
| St. Johns, Florida | 1 | $ 600,000 | $ 600,000 | $ 68,000 |
| Sumter, Florida | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Volusia, Florida | 1 | $ 192,000 | $ 192,000 | $ 221,000 |
| Delaware, Indiana | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
| Elkhart, Indiana | 1 | $ 4,342,000 | $ 4,342,000 | $ 0 |
| LaGrange, Indiana | 1 | $ 95,000 | $ 95,000 | $ 74,000 |
| St. Joseph, Indiana | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| Tippecanoe, Indiana | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
| Wells, Indiana | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| White, Indiana | 1 | $ 106,000 | $ 106,000 | $ 166,000 |
| Allamakee, Iowa | 1 | $ 181,000 | $ 181,000 | $ 365,000 |
| Emmet, Iowa | 1 | $ 169,000 | $ 169,000 | $ 90,000 |
| Antrim, Michigan | 1 | $ 84,000 | $ 84,000 | $ 53,000 |
| Calhoun, Michigan | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Oakland, Michigan | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Wayne, Michigan | 1 | $ 167,000 | $ 167,000 | $ 248,000 |
| Clark, Nevada | 1 | $ 500,000 | $ 500,000 | $ 142,000 |
| Henderson, North Carolina | 1 | $ 384,000 | $ 384,000 | $ 1,521,000 |
| Ashtabula, Ohio | 1 | $ 242,000 | $ 242,000 | $ 105,000 |
| Belmont, Ohio | 1 | $ 185,000 | $ 185,000 | $ 152,000 |
| Butler, Ohio | 1 | $ 212,000 | $ 212,000 | $ 54,000 |
| Fayette, Ohio | 1 | $ 271,000 | $ 271,000 | $ 93,000 |
| Lawrence, Ohio | 1 | $ 325,000 | $ 325,000 | $ 169,000 |
| Medina, Ohio | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Miami, Ohio | 1 | $ 400,000 | $ 400,000 | $ 107,000 |
| Pike, Ohio | 1 | $ 190,000 | $ 190,000 | $ 101,000 |
| Portage, Ohio | 1 | $ 197,000 | $ 197,000 | $ 62,000 |
| Richland, Ohio | 1 | $ 490,000 | $ 490,000 | $ 258,000 |
| Scioto, Ohio | 1 | $ 323,000 | $ 323,000 | $ 132,000 |
| Stark, Ohio | 1 | $ 88,000 | $ 88,000 | $ 104,000 |
| Erie, Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 72,000 |
| Sevier, Tennessee | 1 | $ 159,000 | $ 159,000 | $ 112,000 |
| Bastrop, Texas | 1 | $ 266,000 | $ 266,000 | $ 121,000 |
| Salt Lake, Utah | 1 | $ 336,000 | $ 336,000 | $ 124,000 |
| Utah, Utah | 1 | $ 784,000 | $ 784,000 | $ 300,000 |
| Fairfax, Virginia | 1 | $ 352,000 | $ 352,000 | $ 574,000 |
| Washington, Virginia | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Price, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| St. Croix, Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2017
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 | 1,534 | $288,162,000 | $187,000 | $4,440,000 | $91,000 | $773,000 |
| Refinancing | 440 | $84,535,000 | $192,000 | $4,342,000 | $107,000 | $1,521,000 |
| Home Improvement | 22 | $3,133,000 | $142,000 | $373,000 | $95,000 | $264,000 |
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 | 1,748 | $314,261,000 | $179,000 | $2,980,000 | $96,000 | $1,521,000 |
| Asian | 76 | $17,688,000 | $232,000 | $1,575,000 | $119,000 | $620,000 |
| Black or African American | 51 | $7,986,000 | $156,000 | $549,000 | $90,000 | $584,000 |
| Not Provided | 47 | $10,102,000 | $214,000 | $600,000 | $103,000 | $303,000 |
| Hispanic | 38 | $5,652,000 | $148,000 | $415,000 | $73,000 | $285,000 |
| Not applicable | 32 | $19,438,000 | $607,000 | $4,440,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $314,000 | $104,000 | $157,000 | $79,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $389,000 | $389,000 | $389,000 | $162,000 | $162,000 |
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) | 1,703 | $332,959,000 | $195,000 | $4,440,000 | $100,000 | $1,521,000 |
| FHA-insured (Federal Housing Administration) | 183 | $26,356,000 | $144,000 | $332,000 | $62,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $5,863,000 | $106,000 | $226,000 | $46,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 55 | $10,652,000 | $193,000 | $430,000 | $81,000 | $310,000 |
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 | 1,736 | $333,302,000 | $191,000 | $4,440,000 | $95,000 | $1,326,000 |
| Application Withdrawn By Applicant | 117 | $20,209,000 | $172,000 | $1,360,000 | $108,000 | $1,521,000 |
| Application Denied By Financial Institution | 73 | $9,840,000 | $134,000 | $391,000 | $64,000 | $296,000 |
| Application Approved But Not Accepted | 55 | $10,326,000 | $187,000 | $420,000 | $103,000 | $300,000 |
| File Closed For Incompleteness | 11 | $1,593,000 | $144,000 | $258,000 | $56,000 | $119,000 |
| Preapproval Denied by Financial Institution | 4 | $560,000 | $140,000 | $229,000 | $60,000 | $117,000 |
| 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 2017 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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