The State Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, The State Bank & Trust Company of Defiance, OH reported 2,112 mortgage applications totaling $410.0 million, up 6% from 2017. The average application was for $194,147, and applicants reported an average income of $105,256. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (930), Toledo, OH (212) and Lima, OH (61) (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 | 2,112 |
| Total Mortgage Loan Application Amount | $410,040,000 |
| Average Mortgage Loan Application Amount | $194,147 |
| Highest Mortgage Loan Application Amount | $1,945,000 |
| Average Applicant Income | $105,256 |
| Highest Applicant Income | $3,103,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 625 | $ 137,105,000 | $ 219,368 | $ 117,000 |
| Delaware, Ohio | 145 | $ 39,395,000 | $ 271,689 | $ 127,000 |
| Defiance, Ohio | 140 | $ 17,950,000 | $ 128,214 | $ 70,000 |
| Hancock, Ohio | 129 | $ 24,765,000 | $ 191,976 | $ 101,000 |
| Seneca, Ohio | 107 | $ 11,345,000 | $ 106,028 | $ 60,000 |
| Lucas, Ohio | 106 | $ 17,230,000 | $ 162,547 | $ 120,000 |
| Paulding, Ohio | 95 | $ 9,665,000 | $ 101,736 | $ 58,000 |
| Williams, Ohio | 83 | $ 10,015,000 | $ 120,662 | $ 69,000 |
| Allen, Ohio | 61 | $ 9,705,000 | $ 159,098 | $ 107,000 |
| Fulton, Ohio | 53 | $ 7,695,000 | $ 145,188 | $ 75,000 |
| Licking, Ohio | 53 | $ 13,295,000 | $ 250,849 | $ 118,000 |
| Wood, Ohio | 53 | $ 11,225,000 | $ 211,792 | $ 111,000 |
| Steuben, Indiana | 36 | $ 8,210,000 | $ 228,055 | $ 116,000 |
| Fairfield, Ohio | 36 | $ 9,130,000 | $ 253,611 | $ 113,000 |
| Monroe, Michigan | 35 | $ 7,645,000 | $ 218,428 | $ 98,000 |
| Allen, Indiana | 29 | $ 5,745,000 | $ 198,103 | $ 118,000 |
| Union, Ohio | 23 | $ 7,165,000 | $ 311,521 | $ 164,000 |
| Henry, Ohio | 18 | $ 2,470,000 | $ 137,222 | $ 93,000 |
| Madison, Ohio | 16 | $ 4,300,000 | $ 268,750 | $ 109,000 |
| Pickaway, Ohio | 16 | $ 3,410,000 | $ 213,125 | $ 104,000 |
| Sandusky, Ohio | 16 | $ 2,770,000 | $ 173,125 | $ 87,000 |
| Ottawa, Ohio | 13 | $ 2,565,000 | $ 197,307 | $ 112,000 |
| Knox, Ohio | 11 | $ 3,095,000 | $ 281,363 | $ 195,000 |
| Morrow, Ohio | 11 | $ 2,125,000 | $ 193,181 | $ 68,000 |
| Putnam, Ohio | 11 | $ 1,235,000 | $ 112,272 | $ 65,000 |
| DeKalb, Indiana | 10 | $ 2,040,000 | $ 204,000 | $ 81,000 |
| Lenawee, Michigan | 10 | $ 1,710,000 | $ 171,000 | $ 111,000 |
| Hillsdale, Michigan | 9 | $ 1,415,000 | $ 157,222 | $ 121,000 |
| Van Wert, Ohio | 8 | $ 910,000 | $ 113,750 | $ 62,000 |
| Branch, Michigan | 7 | $ 1,675,000 | $ 239,285 | $ 134,000 |
| Auglaize, Ohio | 7 | $ 695,000 | $ 99,285 | $ 79,000 |
| Noble, Indiana | 6 | $ 1,160,000 | $ 193,333 | $ 139,000 |
| Marion, Ohio | 6 | $ 1,020,000 | $ 170,000 | $ 107,000 |
| Champaign, Ohio | 5 | $ 825,000 | $ 165,000 | $ 96,000 |
| Clark, Ohio | 5 | $ 1,235,000 | $ 247,000 | $ 140,000 |
| Kosciusko, Indiana | 4 | $ 1,450,000 | $ 362,500 | $ 266,000 |
| Hocking, Ohio | 4 | $ 720,000 | $ 180,000 | $ 107,000 |
| Logan, Ohio | 4 | $ 810,000 | $ 202,500 | $ 81,000 |
| Montgomery, Ohio | 4 | $ 1,150,000 | $ 287,500 | $ 128,000 |
| Richland, Ohio | 4 | $ 760,000 | $ 190,000 | $ 83,000 |
| Wake, North Carolina | 3 | $ 785,000 | $ 261,666 | $ 133,000 |
| Hardin, Ohio | 3 | $ 475,000 | $ 158,333 | $ 49,000 |
| Mercer, Ohio | 3 | $ 815,000 | $ 271,666 | $ 98,000 |
| Scioto, Ohio | 3 | $ 835,000 | $ 278,333 | $ 138,000 |
| Wyandot, Ohio | 3 | $ 645,000 | $ 215,000 | $ 337,000 |
| Collier, Florida | 2 | $ 2,290,000 | $ 1,145,000 | $ 520,000 |
| Adams, Indiana | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| LaGrange, Indiana | 2 | $ 390,000 | $ 195,000 | $ 384,000 |
| Athens, Ohio | 2 | $ 380,000 | $ 190,000 | $ 117,000 |
| Crawford, Ohio | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Cuyahoga, Ohio | 2 | $ 310,000 | $ 155,000 | $ 94,000 |
| Fayette, Ohio | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| Hamilton, Ohio | 2 | $ 370,000 | $ 185,000 | $ 102,000 |
| Lorain, Ohio | 2 | $ 180,000 | $ 90,000 | $ 214,000 |
| Stark, Ohio | 2 | $ 230,000 | $ 115,000 | $ 78,000 |
| Warren, Ohio | 2 | $ 700,000 | $ 350,000 | $ 96,000 |
| Broomfield, Colorado | 1 | $ 285,000 | $ 285,000 | $ 114,000 |
| Larimer, Colorado | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Duval, Florida | 1 | $ 1,425,000 | $ 1,425,000 | $ 840,000 |
| Miami-Dade, Florida | 1 | $ 405,000 | $ 405,000 | $ 689,000 |
| Orange, Florida | 1 | $ 455,000 | $ 455,000 | $ 468,000 |
| Pinellas, Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Volusia, Florida | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Ada, Idaho | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Cook, Illinois | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Delaware, Indiana | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Hamilton, Indiana | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Lake, Indiana | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| LaPorte, Indiana | 1 | $ 85,000 | $ 85,000 | $ 187,000 |
| Marion, Indiana | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Wabash, Indiana | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Cheboygan, Michigan | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Emmet, Michigan | 1 | $ 455,000 | $ 455,000 | $ 1,129,000 |
| Kalamazoo, Michigan | 1 | $ 125,000 | $ 125,000 | $ 270,000 |
| Kent, Michigan | 1 | $ 665,000 | $ 665,000 | $ 318,000 |
| Livingston, Michigan | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Presque Isle, Michigan | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Silver Bow, Montana | 1 | $ 115,000 | $ 115,000 | $ 125,000 |
| Clark, Nevada | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Moore, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Rowan, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Ashland, Ohio | 1 | $ 135,000 | $ 135,000 | $ 122,000 |
| Belmont, Ohio | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Butler, Ohio | 1 | $ 315,000 | $ 315,000 | $ 115,000 |
| Clermont, Ohio | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Greene, Ohio | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Huron, Ohio | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Jackson, Ohio | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Lawrence, Ohio | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Perry, Ohio | 1 | $ 395,000 | $ 395,000 | $ 213,000 |
| Pike, Ohio | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Shelby, Ohio | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Vinton, Ohio | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Butler, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Providence, Rhode Island | 1 | $ 385,000 | $ 385,000 | $ 187,000 |
| Horry, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Montgomery, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Sevier, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| Union, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Collin, Texas | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Chesterfield, Virginia | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2018
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 | 1,757 | $347,805,000 | $197,000 | $1,945,000 | $104,000 | $3,103,000 |
| Cash-out Refinancing | 190 | $30,460,000 | $160,000 | $875,000 | $100,000 | $600,000 |
| Refinancing | 155 | $30,775,000 | $198,000 | $1,065,000 | $127,000 | $859,000 |
| Other Purpose | 7 | $855,000 | $122,000 | $455,000 | $96,000 | $195,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $55,000 | $86,000 | $132,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
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 | 1,733 | $330,495,000 | $190,000 | $1,785,000 | $105,000 | $3,103,000 |
| Not Provided | 161 | $36,935,000 | $229,000 | $1,425,000 | $135,000 | $1,129,000 |
| Black or African American | 67 | $11,145,000 | $166,000 | $405,000 | $71,000 | $229,000 |
| Hispanic | 55 | $8,275,000 | $150,000 | $455,000 | $90,000 | $279,000 |
| Asian | 52 | $10,780,000 | $207,000 | $495,000 | $94,000 | $468,000 |
| Not applicable | 40 | $11,390,000 | $284,000 | $1,945,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $895,000 | $298,000 | $525,000 | $97,000 | $188,000 |
| 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) | 1,837 | $366,665,000 | $199,000 | $1,945,000 | $112,000 | $3,103,000 |
| FHA-insured (Federal Housing Administration) | 169 | $26,425,000 | $156,000 | $345,000 | $67,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,325,000 | $202,000 | $525,000 | $76,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $4,625,000 | $102,000 | $275,000 | $44,000 | $79,000 |
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 | 1,735 | $344,715,000 | $198,000 | $1,945,000 | $108,000 | $3,103,000 |
| Application Withdrawn By Applicant | 264 | $46,350,000 | $175,000 | $1,425,000 | $100,000 | $840,000 |
| Application Denied By Financial Institution | 90 | $14,460,000 | $160,000 | $805,000 | $76,000 | $309,000 |
| Preapproval Denied by Financial Institution | 9 | $715,000 | $79,000 | $145,000 | $43,000 | $103,000 |
| Application Approved But Not Accepted | 8 | $1,890,000 | $236,000 | $755,000 | $108,000 | $195,000 |
| File Closed For Incompleteness | 6 | $1,910,000 | $318,000 | $965,000 | $201,000 | $767,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,013 | $394,865,000 | $196,000 | $1,945,000 | $107,000 | $3,103,000 |
| Debt-To-Income Ratio | 27 | $4,465,000 | $165,000 | $525,000 | $55,000 | $166,000 |
| Collateral | 25 | $4,175,000 | $167,000 | $805,000 | $81,000 | $232,000 |
| Credit History | 21 | $2,265,000 | $107,000 | $305,000 | $66,000 | $140,000 |
| Other | 12 | $1,320,000 | $110,000 | $305,000 | $96,000 | $309,000 |
| Credit Application Incomplete | 6 | $1,560,000 | $260,000 | $395,000 | $115,000 | $246,000 |
| Unverifiable Information | 3 | $505,000 | $168,000 | $395,000 | $51,000 | $95,000 |
| Employment History | 3 | $685,000 | $228,000 | $435,000 | $103,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $125,000 | $50,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2018 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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