The State Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, The State Bank & Trust Company of Defiance, OH reported 5,554 mortgage applications totaling $1.2 billion, up 114% from 2019. The average application was for $210,586, and applicants reported an average income of $107,613. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (1,796), Toledo, OH (554) and Indianapolis-Carmel-Anderson, IN (221) (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 | 5,554 |
| Total Mortgage Loan Application Amount | $1,169,600,000 |
| Average Mortgage Loan Application Amount | $210,586 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $107,613 |
| Highest Applicant Income | $1,973,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,172 | $ 290,470,000 | $ 247,841 | $ 131,000 |
| Delaware, Ohio | 325 | $ 99,845,000 | $ 307,215 | $ 161,000 |
| Lucas, Ohio | 224 | $ 42,110,000 | $ 187,991 | $ 98,000 |
| Defiance, Ohio | 215 | $ 30,275,000 | $ 140,813 | $ 78,000 |
| Fulton, Ohio | 182 | $ 26,060,000 | $ 143,186 | $ 73,000 |
| Williams, Ohio | 182 | $ 25,410,000 | $ 139,615 | $ 77,000 |
| Paulding, Ohio | 171 | $ 20,685,000 | $ 120,964 | $ 77,000 |
| Hancock, Ohio | 166 | $ 38,290,000 | $ 230,662 | $ 115,000 |
| Wood, Ohio | 131 | $ 25,655,000 | $ 195,839 | $ 98,000 |
| Allen, Ohio | 99 | $ 15,845,000 | $ 160,050 | $ 95,000 |
| Monroe, Michigan | 96 | $ 21,310,000 | $ 221,979 | $ 117,000 |
| Hamilton, Indiana | 91 | $ 24,745,000 | $ 271,923 | $ 144,000 |
| Fairfield, Ohio | 82 | $ 20,920,000 | $ 255,121 | $ 131,000 |
| Licking, Ohio | 79 | $ 21,805,000 | $ 276,012 | $ 128,000 |
| Marion, Indiana | 76 | $ 11,910,000 | $ 156,710 | $ 98,000 |
| Union, Ohio | 71 | $ 23,625,000 | $ 332,746 | $ 163,000 |
| Steuben, Indiana | 61 | $ 12,585,000 | $ 206,311 | $ 115,000 |
| Allen, Indiana | 57 | $ 12,135,000 | $ 212,894 | $ 134,000 |
| Seneca, Ohio | 52 | $ 7,090,000 | $ 136,346 | $ 69,000 |
| Henry, Ohio | 48 | $ 8,310,000 | $ 173,125 | $ 81,000 |
| Putnam, Ohio | 33 | $ 5,015,000 | $ 151,969 | $ 87,000 |
| Pickaway, Ohio | 27 | $ 7,225,000 | $ 267,592 | $ 166,000 |
| Madison, Ohio | 22 | $ 6,120,000 | $ 278,181 | $ 162,000 |
| DeKalb, Indiana | 19 | $ 3,645,000 | $ 191,842 | $ 90,000 |
| Ottawa, Ohio | 17 | $ 3,685,000 | $ 216,764 | $ 217,000 |
| Sandusky, Ohio | 15 | $ 3,015,000 | $ 201,000 | $ 74,000 |
| Auglaize, Ohio | 12 | $ 1,730,000 | $ 144,166 | $ 69,000 |
| Hancock, Indiana | 11 | $ 2,035,000 | $ 185,000 | $ 102,000 |
| Johnson, Indiana | 11 | $ 2,125,000 | $ 193,181 | $ 93,000 |
| Lenawee, Michigan | 11 | $ 2,545,000 | $ 231,363 | $ 157,000 |
| Hardin, Ohio | 11 | $ 1,635,000 | $ 148,636 | $ 102,000 |
| Wyandot, Ohio | 11 | $ 1,735,000 | $ 157,727 | $ 82,000 |
| Madison, Indiana | 10 | $ 1,410,000 | $ 141,000 | $ 69,000 |
| Branch, Michigan | 10 | $ 2,210,000 | $ 221,000 | $ 164,000 |
| Clark, Ohio | 10 | $ 2,640,000 | $ 264,000 | $ 122,000 |
| Morrow, Ohio | 10 | $ 2,020,000 | $ 202,000 | $ 109,000 |
| Van Wert, Ohio | 10 | $ 1,410,000 | $ 141,000 | $ 65,000 |
| Hendricks, Indiana | 9 | $ 2,295,000 | $ 255,000 | $ 130,000 |
| Hillsdale, Michigan | 9 | $ 1,085,000 | $ 120,555 | $ 76,000 |
| Montgomery, Ohio | 9 | $ 2,995,000 | $ 332,777 | $ 178,000 |
| LaPorte, Indiana | 8 | $ 1,160,000 | $ 145,000 | $ 133,000 |
| Wayne, Michigan | 7 | $ 1,415,000 | $ 202,142 | $ 118,000 |
| Knox, Ohio | 7 | $ 1,495,000 | $ 213,571 | $ 112,000 |
| Boone, Indiana | 6 | $ 2,890,000 | $ 481,666 | $ 345,000 |
| Logan, Ohio | 6 | $ 1,520,000 | $ 253,333 | $ 187,000 |
| Marion, Ohio | 6 | $ 1,280,000 | $ 213,333 | $ 111,000 |
| Sarasota, Florida | 5 | $ 1,905,000 | $ 381,000 | $ 295,000 |
| Lake, Ohio | 5 | $ 1,215,000 | $ 243,000 | $ 154,000 |
| Charlotte, Florida | 4 | $ 1,290,000 | $ 322,500 | $ 254,000 |
| Brown, Indiana | 4 | $ 730,000 | $ 182,500 | $ 158,000 |
| Kosciusko, Indiana | 4 | $ 2,220,000 | $ 555,000 | $ 289,000 |
| Cuyahoga, Ohio | 4 | $ 830,000 | $ 207,500 | $ 135,000 |
| Erie, Ohio | 4 | $ 750,000 | $ 187,500 | $ 84,000 |
| Hamilton, Ohio | 4 | $ 1,380,000 | $ 345,000 | $ 211,000 |
| Hocking, Ohio | 4 | $ 600,000 | $ 150,000 | $ 192,000 |
| Huron, Ohio | 4 | $ 460,000 | $ 115,000 | $ 61,000 |
| Perry, Ohio | 4 | $ 1,380,000 | $ 345,000 | $ 148,000 |
| Beaufort, South Carolina | 4 | $ 1,200,000 | $ 300,000 | $ 154,000 |
| Lee, Florida | 3 | $ 1,085,000 | $ 361,666 | $ 205,000 |
| Palm Beach, Florida | 3 | $ 935,000 | $ 311,666 | $ 140,000 |
| Adams, Indiana | 3 | $ 565,000 | $ 188,333 | $ 80,000 |
| Bartholomew, Indiana | 3 | $ 595,000 | $ 198,333 | $ 132,000 |
| Lake, Indiana | 3 | $ 735,000 | $ 245,000 | $ 63,000 |
| Noble, Indiana | 3 | $ 465,000 | $ 155,000 | $ 90,000 |
| Tipton, Indiana | 3 | $ 285,000 | $ 95,000 | $ 96,000 |
| Butler, Ohio | 3 | $ 745,000 | $ 248,333 | $ 177,000 |
| Champaign, Ohio | 3 | $ 435,000 | $ 145,000 | $ 66,000 |
| Clermont, Ohio | 3 | $ 835,000 | $ 278,333 | $ 102,000 |
| Fayette, Ohio | 3 | $ 475,000 | $ 158,333 | $ 106,000 |
| Greene, Ohio | 3 | $ 775,000 | $ 258,333 | $ 236,000 |
| Lawrence, Ohio | 3 | $ 975,000 | $ 325,000 | $ 135,000 |
| Ross, Ohio | 3 | $ 755,000 | $ 251,666 | $ 171,000 |
| Indian River, Florida | 2 | $ 830,000 | $ 415,000 | $ 182,000 |
| Pasco, Florida | 2 | $ 340,000 | $ 170,000 | $ 81,000 |
| Pinellas, Florida | 2 | $ 780,000 | $ 390,000 | $ 392,000 |
| Delaware, Indiana | 2 | $ 450,000 | $ 225,000 | $ 193,000 |
| Elkhart, Indiana | 2 | $ 520,000 | $ 260,000 | $ 153,000 |
| Grant, Indiana | 2 | $ 120,000 | $ 60,000 | $ 31,000 |
| Lawrence, Indiana | 2 | $ 390,000 | $ 195,000 | $ 59,000 |
| Morgan, Indiana | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Whitley, Indiana | 2 | $ 410,000 | $ 205,000 | $ 89,000 |
| Benzie, Michigan | 2 | $ 580,000 | $ 290,000 | $ 241,000 |
| Calhoun, Michigan | 2 | $ 500,000 | $ 250,000 | $ 153,000 |
| Mackinac, Michigan | 2 | $ 710,000 | $ 355,000 | $ 416,000 |
| Wake, North Carolina | 2 | $ 750,000 | $ 375,000 | $ 203,000 |
| Lorain, Ohio | 2 | $ 360,000 | $ 180,000 | $ 145,000 |
| Richland, Ohio | 2 | $ 360,000 | $ 180,000 | $ 138,000 |
| Stark, Ohio | 2 | $ 490,000 | $ 245,000 | $ 65,000 |
| Summit, Ohio | 2 | $ 490,000 | $ 245,000 | $ 167,000 |
| Warren, Ohio | 2 | $ 770,000 | $ 385,000 | $ 83,000 |
| Baldwin, Alabama | 1 | $ 515,000 | $ 515,000 | $ 193,000 |
| Broomfield, Colorado | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Jefferson, Colorado | 1 | $ 515,000 | $ 515,000 | $ 105,000 |
| Collier, Florida | 1 | $ 205,000 | $ 205,000 | $ 235,000 |
| Escambia, Florida | 1 | $ 245,000 | $ 245,000 | $ 193,000 |
| Hillsborough, Florida | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Manatee, Florida | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Osceola, Florida | 1 | $ 355,000 | $ 355,000 | $ 339,000 |
| St. Lucie, Florida | 1 | $ 155,000 | $ 155,000 | $ 232,000 |
| Volusia, Florida | 1 | $ 235,000 | $ 235,000 | $ 189,000 |
| Walton, Florida | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Cook, Illinois | 1 | $ 245,000 | $ 245,000 | $ 292,000 |
| Dearborn, Indiana | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Jackson, Indiana | 1 | $ 255,000 | $ 255,000 | $ 139,000 |
| LaGrange, Indiana | 1 | $ 235,000 | $ 235,000 | $ 510,000 |
| Owen, Indiana | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Porter, Indiana | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Putnam, Indiana | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| St. Joseph, Indiana | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Tippecanoe, Indiana | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Vanderburgh, Indiana | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Vigo, Indiana | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Warren, Indiana | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Wells, Indiana | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Jefferson, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 367,000 |
| Owen, Kentucky | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Allegan, Michigan | 1 | $ 905,000 | $ 905,000 | $ 276,000 |
| Antrim, Michigan | 1 | $ 125,000 | $ 125,000 | $ 147,000 |
| Cheboygan, Michigan | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Crawford, Michigan | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Emmet, Michigan | 1 | $ 205,000 | $ 205,000 | $ 219,000 |
| Jackson, Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Kalkaska, Michigan | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Kent, Michigan | 1 | $ 515,000 | $ 515,000 | $ 317,000 |
| Leelanau, Michigan | 1 | $ 425,000 | $ 425,000 | $ 327,000 |
| Oakland, Michigan | 1 | $ 275,000 | $ 275,000 | $ 180,000 |
| Brunswick, North Carolina | 1 | $ 515,000 | $ 515,000 | $ 943,000 |
| Moore, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Ashtabula, Ohio | 1 | $ 245,000 | $ 245,000 | $ 330,000 |
| Highland, Ohio | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Jackson, Ohio | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Mercer, Ohio | 1 | $ 375,000 | $ 375,000 | $ 500,000 |
| Scioto, Ohio | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| Washington, Ohio | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Lycoming, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 391,000 |
| Union, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Wasatch, Utah | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2020
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 | 3,059 | $636,295,000 | $208,000 | $3,475,000 | $92,000 | $1,477,000 |
| Refinancing | 1,788 | $401,830,000 | $224,000 | $1,505,000 | $132,000 | $1,973,000 |
| Cash-out Refinancing | 675 | $128,895,000 | $190,000 | $1,205,000 | $115,000 | $1,559,000 |
| Home Improvement | 17 | $1,345,000 | $79,000 | $255,000 | $63,000 | $124,000 |
| Other Purpose | 15 | $1,235,000 | $82,000 | $215,000 | $103,000 | $466,000 |
| Not Applicable | 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 | 4,450 | $933,800,000 | $209,000 | $1,685,000 | $109,000 | $1,973,000 |
| Not Provided | 562 | $122,850,000 | $218,000 | $3,305,000 | $114,000 | $600,000 |
| Black or African American | 215 | $36,695,000 | $170,000 | $1,205,000 | $75,000 | $447,000 |
| Hispanic | 157 | $30,295,000 | $192,000 | $1,405,000 | $90,000 | $522,000 |
| Asian | 104 | $25,840,000 | $248,000 | $695,000 | $135,000 | $600,000 |
| Not applicable | 50 | $17,050,000 | $341,000 | $3,475,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $1,700,000 | $170,000 | $465,000 | $68,000 | $158,000 |
| 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) | 5,030 | $1,087,070,000 | $216,000 | $3,475,000 | $113,000 | $1,973,000 |
| FHA-insured (Federal Housing Administration) | 386 | $57,070,000 | $147,000 | $375,000 | $57,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 88 | $19,460,000 | $221,000 | $485,000 | $92,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $6,000,000 | $120,000 | $285,000 | $46,000 | $74,000 |
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 | 3,156 | $702,610,000 | $222,000 | $3,475,000 | $120,000 | $1,973,000 |
| Preapproval Approved but not Accepted | 849 | $181,425,000 | $213,000 | $1,565,000 | $93,000 | $720,000 |
| Preapproval Denied by Financial Institution | 633 | $97,065,000 | $153,000 | $1,355,000 | $62,000 | $690,000 |
| Application Withdrawn By Applicant | 544 | $117,160,000 | $215,000 | $1,205,000 | $120,000 | $948,000 |
| Application Denied By Financial Institution | 302 | $56,550,000 | $187,000 | $1,205,000 | $97,000 | $458,000 |
| File Closed For Incompleteness | 59 | $12,205,000 | $206,000 | $925,000 | $106,000 | $447,000 |
| Application Approved But Not Accepted | 11 | $2,585,000 | $235,000 | $515,000 | $121,000 | $170,000 |
| 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 | 4,619 | $1,015,985,000 | $219,000 | $3,475,000 | $115,000 | $1,973,000 |
| Credit History | 610 | $89,770,000 | $147,000 | $1,205,000 | $67,000 | $690,000 |
| Debt-To-Income Ratio | 161 | $28,385,000 | $176,000 | $1,305,000 | $55,000 | $461,000 |
| Credit Application Incomplete | 59 | $14,195,000 | $240,000 | $775,000 | $117,000 | $376,000 |
| Collateral | 53 | $10,285,000 | $194,000 | $535,000 | $122,000 | $391,000 |
| Unverifiable Information | 17 | $3,715,000 | $218,000 | $1,355,000 | $93,000 | $312,000 |
| Other | 16 | $3,780,000 | $236,000 | $635,000 | $141,000 | $444,000 |
| Employment History | 11 | $2,625,000 | $238,000 | $635,000 | $102,000 | $365,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $860,000 | $107,000 | $175,000 | $58,000 | $191,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2020 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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