The State Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, The State Bank & Trust Company of Defiance, OH reported 2,591 mortgage applications totaling $566.4 million, up 23% from 2018. The average application was for $218,600, and applicants reported an average income of $112,176. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (1,116), Toledo, OH (352) and Lima, OH (60) (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 | 2,591 |
| Total Mortgage Loan Application Amount | $566,395,000 |
| Average Mortgage Loan Application Amount | $218,600 |
| Highest Mortgage Loan Application Amount | $6,225,000 |
| Average Applicant Income | $112,176 |
| Highest Applicant Income | $1,633,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 738 | $ 194,280,000 | $ 263,252 | $ 125,000 |
| Delaware, Ohio | 192 | $ 60,910,000 | $ 317,239 | $ 146,000 |
| Lucas, Ohio | 161 | $ 31,545,000 | $ 195,931 | $ 130,000 |
| Defiance, Ohio | 154 | $ 21,550,000 | $ 139,935 | $ 74,000 |
| Hancock, Ohio | 137 | $ 28,705,000 | $ 209,525 | $ 112,000 |
| Williams, Ohio | 117 | $ 12,515,000 | $ 106,965 | $ 64,000 |
| Seneca, Ohio | 112 | $ 13,550,000 | $ 120,982 | $ 66,000 |
| Paulding, Ohio | 108 | $ 11,590,000 | $ 107,314 | $ 60,000 |
| Fulton, Ohio | 100 | $ 14,420,000 | $ 144,200 | $ 78,000 |
| Wood, Ohio | 75 | $ 13,895,000 | $ 185,266 | $ 96,000 |
| Allen, Ohio | 60 | $ 8,110,000 | $ 135,166 | $ 94,000 |
| Fairfield, Ohio | 49 | $ 12,345,000 | $ 251,938 | $ 141,000 |
| Licking, Ohio | 44 | $ 10,480,000 | $ 238,181 | $ 107,000 |
| Monroe, Michigan | 42 | $ 8,450,000 | $ 201,190 | $ 105,000 |
| Union, Ohio | 41 | $ 15,475,000 | $ 377,439 | $ 173,000 |
| Steuben, Indiana | 35 | $ 7,695,000 | $ 219,857 | $ 111,000 |
| Allen, Indiana | 29 | $ 6,765,000 | $ 233,275 | $ 152,000 |
| Henry, Ohio | 23 | $ 4,745,000 | $ 206,304 | $ 115,000 |
| Pickaway, Ohio | 21 | $ 5,385,000 | $ 256,428 | $ 91,000 |
| Sandusky, Ohio | 19 | $ 3,105,000 | $ 163,421 | $ 88,000 |
| Madison, Ohio | 18 | $ 5,950,000 | $ 330,555 | $ 179,000 |
| Ottawa, Ohio | 16 | $ 3,120,000 | $ 195,000 | $ 159,000 |
| Van Wert, Ohio | 16 | $ 2,580,000 | $ 161,250 | $ 85,000 |
| Hamilton, Indiana | 15 | $ 3,895,000 | $ 259,666 | $ 111,000 |
| DeKalb, Indiana | 13 | $ 4,175,000 | $ 321,153 | $ 85,000 |
| Erie, Ohio | 13 | $ 1,925,000 | $ 148,076 | $ 72,000 |
| Wyandot, Ohio | 12 | $ 1,870,000 | $ 155,833 | $ 133,000 |
| Marion, Indiana | 10 | $ 1,810,000 | $ 181,000 | $ 69,000 |
| Lenawee, Michigan | 10 | $ 2,350,000 | $ 235,000 | $ 174,000 |
| Knox, Ohio | 10 | $ 2,570,000 | $ 257,000 | $ 162,000 |
| Hillsdale, Michigan | 9 | $ 1,115,000 | $ 123,888 | $ 72,000 |
| Crawford, Ohio | 9 | $ 2,265,000 | $ 251,666 | $ 60,000 |
| Cuyahoga, Ohio | 8 | $ 1,720,000 | $ 215,000 | $ 130,000 |
| Logan, Ohio | 8 | $ 1,570,000 | $ 196,250 | $ 152,000 |
| Champaign, Ohio | 7 | $ 915,000 | $ 130,714 | $ 57,000 |
| Morrow, Ohio | 7 | $ 1,235,000 | $ 176,428 | $ 94,000 |
| Putnam, Ohio | 7 | $ 1,375,000 | $ 196,428 | $ 115,000 |
| Branch, Michigan | 5 | $ 1,605,000 | $ 321,000 | $ 202,000 |
| Greene, Ohio | 5 | $ 1,695,000 | $ 339,000 | $ 124,000 |
| Montgomery, Ohio | 5 | $ 2,335,000 | $ 467,000 | $ 200,000 |
| Lee, Florida | 4 | $ 1,200,000 | $ 300,000 | $ 245,000 |
| Sarasota, Florida | 4 | $ 1,410,000 | $ 352,500 | $ 250,000 |
| Johnson, Indiana | 4 | $ 820,000 | $ 205,000 | $ 104,000 |
| Noble, Indiana | 4 | $ 980,000 | $ 245,000 | $ 146,000 |
| Auglaize, Ohio | 4 | $ 650,000 | $ 162,500 | $ 60,000 |
| Hocking, Ohio | 4 | $ 860,000 | $ 215,000 | $ 101,000 |
| Muskingum, Ohio | 4 | $ 1,160,000 | $ 290,000 | $ 86,000 |
| Brevard, Florida | 3 | $ 625,000 | $ 208,333 | $ 107,000 |
| Charlotte, Florida | 3 | $ 585,000 | $ 195,000 | $ 124,000 |
| Hancock, Indiana | 3 | $ 545,000 | $ 181,666 | $ 89,000 |
| LaPorte, Indiana | 3 | $ 415,000 | $ 138,333 | $ 50,000 |
| Madison, Indiana | 3 | $ 405,000 | $ 135,000 | $ 84,000 |
| Morgan, Indiana | 3 | $ 765,000 | $ 255,000 | $ 75,000 |
| Kenton, Kentucky | 3 | $ 615,000 | $ 205,000 | $ 57,000 |
| Fayette, Ohio | 3 | $ 1,255,000 | $ 418,333 | $ 218,000 |
| Huron, Ohio | 3 | $ 405,000 | $ 135,000 | $ 77,000 |
| Marion, Ohio | 3 | $ 595,000 | $ 198,333 | $ 103,000 |
| Richland, Ohio | 3 | $ 365,000 | $ 121,666 | $ 87,000 |
| Jefferson, Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 755,000 |
| Adams, Indiana | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| LaGrange, Indiana | 2 | $ 480,000 | $ 240,000 | $ 120,000 |
| Shelby, Indiana | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Oakland, Michigan | 2 | $ 840,000 | $ 420,000 | $ 336,000 |
| Wayne, Michigan | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Butler, Ohio | 2 | $ 510,000 | $ 255,000 | $ 88,000 |
| Perry, Ohio | 2 | $ 580,000 | $ 290,000 | $ 164,000 |
| Ross, Ohio | 2 | $ 420,000 | $ 210,000 | $ 140,000 |
| Jefferson, Alabama | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
| Maricopa, Arizona | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Pinal, Arizona | 1 | $ 445,000 | $ 445,000 | $ 280,000 |
| Alameda, California | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Adams, Colorado | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| District of Columbia, District Of Columbia | 1 | $ 335,000 | $ 335,000 | $ 1,371,000 |
| Citrus, Florida | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Collier, Florida | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Hillsborough, Florida | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Indian River, Florida | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Lake, Florida | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Pasco, Florida | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Pinellas, Florida | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Walton, Florida | 1 | $ 365,000 | $ 365,000 | $ 555,000 |
| Henry, Georgia | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Cook, Illinois | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Blackford, Indiana | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Boone, Indiana | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Hendricks, Indiana | 1 | $ 605,000 | $ 605,000 | $ 178,000 |
| Jay, Indiana | 1 | $ 375,000 | $ 375,000 | $ 145,000 |
| Kosciusko, Indiana | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Porter, Indiana | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Whitley, Indiana | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Pulaski, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Essex, Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Allegan, Michigan | 1 | $ 915,000 | $ 915,000 | $ 213,000 |
| Calhoun, Michigan | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Ingham, Michigan | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Iosco, Michigan | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Midland, Michigan | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| New York, New York | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Clark, Ohio | 1 | $ 365,000 | $ 365,000 | $ 238,000 |
| Clermont, Ohio | 1 | $ 485,000 | $ 485,000 | $ 218,000 |
| Clinton, Ohio | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Geauga, Ohio | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Hamilton, Ohio | 1 | $ 395,000 | $ 395,000 | $ 156,000 |
| Medina, Ohio | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Mercer, Ohio | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Preble, Ohio | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Scioto, Ohio | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Shelby, Ohio | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Summit, Ohio | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Trumbull, Ohio | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Pike, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Providence, Rhode Island | 1 | $ 385,000 | $ 385,000 | $ 189,000 |
| Beaufort, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 198,000 |
| Georgetown, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Pickens, South Carolina | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
| Davidson, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| Williamson, Tennessee | 1 | $ 445,000 | $ 445,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for The State Bank & 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 & 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 & 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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