The State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
The State Bank And Trust Company 2019 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 | 2,591 |
| Total Mortgage Loan Application Amount | $566,395,000 |
| Average Mortgage Loan Application Amount | $168,500 |
| Highest Mortgage Loan Application Amount | $6,225,000 |
| Average Applicant Income | $87,500 |
| Highest Applicant Income | $1,633,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 738 | $ 194,280,000 | $ 263,000 | $ 125,000 |
| Delaware County Ohio | 192 | $ 60,910,000 | $ 317,000 | $ 146,000 |
| Lucas County Ohio | 161 | $ 31,545,000 | $ 195,000 | $ 130,000 |
| Defiance County Ohio | 154 | $ 21,550,000 | $ 139,000 | $ 74,000 |
| Hancock County Ohio | 137 | $ 28,705,000 | $ 209,000 | $ 112,000 |
| Williams County Ohio | 117 | $ 12,515,000 | $ 106,000 | $ 64,000 |
| Seneca County Ohio | 112 | $ 13,550,000 | $ 120,000 | $ 66,000 |
| Paulding County Ohio | 108 | $ 11,590,000 | $ 107,000 | $ 60,000 |
| Fulton County Ohio | 100 | $ 14,420,000 | $ 144,000 | $ 78,000 |
| Wood County Ohio | 75 | $ 13,895,000 | $ 185,000 | $ 96,000 |
| Allen County Ohio | 60 | $ 8,110,000 | $ 135,000 | $ 94,000 |
| Fairfield County Ohio | 49 | $ 12,345,000 | $ 251,000 | $ 141,000 |
| Licking County Ohio | 44 | $ 10,480,000 | $ 238,000 | $ 107,000 |
| Monroe County Michigan | 42 | $ 8,450,000 | $ 201,000 | $ 105,000 |
| Union County Ohio | 41 | $ 15,475,000 | $ 377,000 | $ 173,000 |
| Steuben County Indiana | 35 | $ 7,695,000 | $ 219,000 | $ 111,000 |
| Allen County Indiana | 29 | $ 6,765,000 | $ 233,000 | $ 152,000 |
| Henry County Ohio | 23 | $ 4,745,000 | $ 206,000 | $ 115,000 |
| Pickaway County Ohio | 21 | $ 5,385,000 | $ 256,000 | $ 91,000 |
| Sandusky County Ohio | 19 | $ 3,105,000 | $ 163,000 | $ 88,000 |
| Madison County Ohio | 18 | $ 5,950,000 | $ 330,000 | $ 179,000 |
| Ottawa County Ohio | 16 | $ 3,120,000 | $ 195,000 | $ 159,000 |
| Van Wert County Ohio | 16 | $ 2,580,000 | $ 161,000 | $ 85,000 |
| Hamilton County Indiana | 15 | $ 3,895,000 | $ 259,000 | $ 111,000 |
| DeKalb County Indiana | 13 | $ 4,175,000 | $ 321,000 | $ 85,000 |
| Erie County Ohio | 13 | $ 1,925,000 | $ 148,000 | $ 72,000 |
| Wyandot County Ohio | 12 | $ 1,870,000 | $ 155,000 | $ 133,000 |
| Marion County Indiana | 10 | $ 1,810,000 | $ 181,000 | $ 69,000 |
| Lenawee County Michigan | 10 | $ 2,350,000 | $ 235,000 | $ 174,000 |
| Knox County Ohio | 10 | $ 2,570,000 | $ 257,000 | $ 162,000 |
| Hillsdale County Michigan | 9 | $ 1,115,000 | $ 123,000 | $ 72,000 |
| Crawford County Ohio | 9 | $ 2,265,000 | $ 251,000 | $ 60,000 |
| Cuyahoga County Ohio | 8 | $ 1,720,000 | $ 215,000 | $ 130,000 |
| Logan County Ohio | 8 | $ 1,570,000 | $ 196,000 | $ 152,000 |
| Champaign County Ohio | 7 | $ 915,000 | $ 130,000 | $ 57,000 |
| Morrow County Ohio | 7 | $ 1,235,000 | $ 176,000 | $ 94,000 |
| Putnam County Ohio | 7 | $ 1,375,000 | $ 196,000 | $ 115,000 |
| Branch County Michigan | 5 | $ 1,605,000 | $ 321,000 | $ 202,000 |
| Greene County Ohio | 5 | $ 1,695,000 | $ 339,000 | $ 124,000 |
| Montgomery County Ohio | 5 | $ 2,335,000 | $ 467,000 | $ 200,000 |
| Lee County Florida | 4 | $ 1,200,000 | $ 300,000 | $ 245,000 |
| Sarasota County Florida | 4 | $ 1,410,000 | $ 352,000 | $ 250,000 |
| Johnson County Indiana | 4 | $ 820,000 | $ 205,000 | $ 104,000 |
| Noble County Indiana | 4 | $ 980,000 | $ 245,000 | $ 146,000 |
| Auglaize County Ohio | 4 | $ 650,000 | $ 162,000 | $ 60,000 |
| Hocking County Ohio | 4 | $ 860,000 | $ 215,000 | $ 101,000 |
| Muskingum County Ohio | 4 | $ 1,160,000 | $ 290,000 | $ 86,000 |
| Brevard County Florida | 3 | $ 625,000 | $ 208,000 | $ 107,000 |
| Charlotte County Florida | 3 | $ 585,000 | $ 195,000 | $ 124,000 |
| Hancock County Indiana | 3 | $ 545,000 | $ 181,000 | $ 89,000 |
| LaPorte County Indiana | 3 | $ 415,000 | $ 138,000 | $ 50,000 |
| Madison County Indiana | 3 | $ 405,000 | $ 135,000 | $ 84,000 |
| Morgan County Indiana | 3 | $ 765,000 | $ 255,000 | $ 75,000 |
| Kenton County Kentucky | 3 | $ 615,000 | $ 205,000 | $ 57,000 |
| Fayette County Ohio | 3 | $ 1,255,000 | $ 418,000 | $ 218,000 |
| Huron County Ohio | 3 | $ 405,000 | $ 135,000 | $ 77,000 |
| Marion County Ohio | 3 | $ 595,000 | $ 198,000 | $ 103,000 |
| Richland County Ohio | 3 | $ 365,000 | $ 121,000 | $ 87,000 |
| Jefferson County Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 755,000 |
| Adams County Indiana | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| LaGrange County Indiana | 2 | $ 480,000 | $ 240,000 | $ 120,000 |
| Shelby County Indiana | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Oakland County Michigan | 2 | $ 840,000 | $ 420,000 | $ 336,000 |
| Wayne County Michigan | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Butler County Ohio | 2 | $ 510,000 | $ 255,000 | $ 88,000 |
| Perry County Ohio | 2 | $ 580,000 | $ 290,000 | $ 164,000 |
| Ross County Ohio | 2 | $ 420,000 | $ 210,000 | $ 140,000 |
| Jefferson County Alabama | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
| Maricopa County Arizona | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Pinal County Arizona | 1 | $ 445,000 | $ 445,000 | $ 280,000 |
| Alameda County California | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Adams County Colorado | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| District of Columbia County District Of Columbia | 1 | $ 335,000 | $ 335,000 | $ 1,371,000 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Collier County Florida | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Hillsborough County Florida | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Indian River County Florida | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Pasco County Florida | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Pinellas County Florida | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Walton County Florida | 1 | $ 365,000 | $ 365,000 | $ 555,000 |
| Henry County Georgia | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Cook County Illinois | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Blackford County Indiana | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Boone County Indiana | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Hendricks County Indiana | 1 | $ 605,000 | $ 605,000 | $ 178,000 |
| Jay County Indiana | 1 | $ 375,000 | $ 375,000 | $ 145,000 |
| Kosciusko County Indiana | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Porter County Indiana | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Whitley County Indiana | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Pulaski County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Essex County Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Allegan County Michigan | 1 | $ 915,000 | $ 915,000 | $ 213,000 |
| Calhoun County Michigan | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Ingham County Michigan | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Iosco County Michigan | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Midland County Michigan | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| New York County New York | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Clark County Ohio | 1 | $ 365,000 | $ 365,000 | $ 238,000 |
| Clermont County Ohio | 1 | $ 485,000 | $ 485,000 | $ 218,000 |
| Clinton County Ohio | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Geauga County Ohio | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Hamilton County Ohio | 1 | $ 395,000 | $ 395,000 | $ 156,000 |
| Medina County Ohio | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Mercer County Ohio | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Preble County Ohio | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Scioto County Ohio | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Shelby County Ohio | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Summit County Ohio | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Pike County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Providence County Rhode Island | 1 | $ 385,000 | $ 385,000 | $ 189,000 |
| Beaufort County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 198,000 |
| Georgetown County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Pickens County South Carolina | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
| Davidson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| Williamson County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for The State Bank And Trust Company in 2019
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 | 1,696 | $367,200,000 | $216,000 | $6,225,000 | $106,000 | $1,633,000 |
| Refinancing | 524 | $131,370,000 | $250,000 | $2,105,000 | $133,000 | $1,129,000 |
| Cash-out Refinancing | 370 | $67,800,000 | $183,000 | $915,000 | $111,000 | $504,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,204 | $461,930,000 | $209,000 | $2,105,000 | $113,000 | $1,633,000 |
| Not Provided | 119 | $30,215,000 | $253,000 | $1,205,000 | $127,000 | $701,000 |
| Black or African American | 84 | $14,530,000 | $172,000 | $375,000 | $76,000 | $410,000 |
| Hispanic | 75 | $12,915,000 | $172,000 | $605,000 | $73,000 | $183,000 |
| Asian | 72 | $18,820,000 | $261,000 | $1,125,000 | $140,000 | $985,000 |
| Not applicable | 34 | $27,290,000 | $802,000 | $6,225,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $38,000 | $38,000 |
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) | 2,310 | $521,330,000 | $225,000 | $6,225,000 | $118,000 | $1,633,000 |
| FHA-insured (Federal Housing Administration) | 163 | $25,225,000 | $154,000 | $345,000 | $66,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 64 | $13,080,000 | $204,000 | $495,000 | $84,000 | $451,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,760,000 | $125,000 | $275,000 | $52,000 | $111,000 |
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 | 2,067 | $467,685,000 | $226,000 | $6,225,000 | $117,000 | $1,633,000 |
| Application Withdrawn By Applicant | 266 | $54,890,000 | $206,000 | $1,135,000 | $108,000 | $555,000 |
| Application Denied By Financial Institution | 155 | $29,015,000 | $187,000 | $1,205,000 | $90,000 | $538,000 |
| Preapproval Denied by Financial Institution | 87 | $10,975,000 | $126,000 | $385,000 | $54,000 | $172,000 |
| Application Approved But Not Accepted | 7 | $1,405,000 | $200,000 | $395,000 | $84,000 | $133,000 |
| File Closed For Incompleteness | 7 | $1,925,000 | $275,000 | $375,000 | $165,000 | $269,000 |
| Preapproval Approved but not Accepted | 2 | $500,000 | $250,000 | $305,000 | $115,000 | $115,000 |
| Loan Purchased By The Institution | 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 | 2,349 | $526,405,000 | $224,000 | $6,225,000 | $116,000 | $1,633,000 |
| Credit History | 98 | $11,490,000 | $117,000 | $305,000 | $56,000 | $208,000 |
| Collateral | 58 | $11,090,000 | $191,000 | $735,000 | $111,000 | $538,000 |
| Debt-To-Income Ratio | 45 | $7,175,000 | $159,000 | $385,000 | $57,000 | $142,000 |
| Credit Application Incomplete | 15 | $4,605,000 | $307,000 | $1,205,000 | $105,000 | $416,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,300,000 | $287,000 | $725,000 | $132,000 | $300,000 |
| Other | 7 | $1,395,000 | $199,000 | $435,000 | $114,000 | $214,000 |
| Unverifiable Information | 6 | $1,040,000 | $173,000 | $335,000 | $70,000 | $128,000 |
| Employment History | 5 | $895,000 | $179,000 | $385,000 | $55,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank And Trust Company's 2019 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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with aggregated HMDA statistics today.