The State Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
The State Bank And Trust Company 2020 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 | 5,554 |
| Total Mortgage Loan Application Amount | $1,169,600,000 |
| Average Mortgage Loan Application Amount | $156,600 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $1,973,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,172 | $ 290,470,000 | $ 247,000 | $ 131,000 |
| Delaware County Ohio | 325 | $ 99,845,000 | $ 307,000 | $ 161,000 |
| Lucas County Ohio | 224 | $ 42,110,000 | $ 187,000 | $ 98,000 |
| Defiance County Ohio | 215 | $ 30,275,000 | $ 140,000 | $ 78,000 |
| Fulton County Ohio | 182 | $ 26,060,000 | $ 143,000 | $ 73,000 |
| Williams County Ohio | 182 | $ 25,410,000 | $ 139,000 | $ 77,000 |
| Paulding County Ohio | 171 | $ 20,685,000 | $ 120,000 | $ 77,000 |
| Hancock County Ohio | 166 | $ 38,290,000 | $ 230,000 | $ 115,000 |
| Wood County Ohio | 131 | $ 25,655,000 | $ 195,000 | $ 98,000 |
| Allen County Ohio | 99 | $ 15,845,000 | $ 160,000 | $ 95,000 |
| Monroe County Michigan | 96 | $ 21,310,000 | $ 221,000 | $ 117,000 |
| Hamilton County Indiana | 91 | $ 24,745,000 | $ 271,000 | $ 144,000 |
| Fairfield County Ohio | 82 | $ 20,920,000 | $ 255,000 | $ 131,000 |
| Licking County Ohio | 79 | $ 21,805,000 | $ 276,000 | $ 128,000 |
| Marion County Indiana | 76 | $ 11,910,000 | $ 156,000 | $ 98,000 |
| Union County Ohio | 71 | $ 23,625,000 | $ 332,000 | $ 163,000 |
| Steuben County Indiana | 61 | $ 12,585,000 | $ 206,000 | $ 115,000 |
| Allen County Indiana | 57 | $ 12,135,000 | $ 212,000 | $ 134,000 |
| Seneca County Ohio | 52 | $ 7,090,000 | $ 136,000 | $ 69,000 |
| Henry County Ohio | 48 | $ 8,310,000 | $ 173,000 | $ 81,000 |
| Putnam County Ohio | 33 | $ 5,015,000 | $ 151,000 | $ 87,000 |
| Pickaway County Ohio | 27 | $ 7,225,000 | $ 267,000 | $ 166,000 |
| Madison County Ohio | 22 | $ 6,120,000 | $ 278,000 | $ 162,000 |
| DeKalb County Indiana | 19 | $ 3,645,000 | $ 191,000 | $ 90,000 |
| Ottawa County Ohio | 17 | $ 3,685,000 | $ 216,000 | $ 217,000 |
| Sandusky County Ohio | 15 | $ 3,015,000 | $ 201,000 | $ 74,000 |
| Auglaize County Ohio | 12 | $ 1,730,000 | $ 144,000 | $ 69,000 |
| Hancock County Indiana | 11 | $ 2,035,000 | $ 185,000 | $ 102,000 |
| Johnson County Indiana | 11 | $ 2,125,000 | $ 193,000 | $ 93,000 |
| Lenawee County Michigan | 11 | $ 2,545,000 | $ 231,000 | $ 157,000 |
| Hardin County Ohio | 11 | $ 1,635,000 | $ 148,000 | $ 102,000 |
| Wyandot County Ohio | 11 | $ 1,735,000 | $ 157,000 | $ 82,000 |
| Madison County Indiana | 10 | $ 1,410,000 | $ 141,000 | $ 69,000 |
| Branch County Michigan | 10 | $ 2,210,000 | $ 221,000 | $ 164,000 |
| Clark County Ohio | 10 | $ 2,640,000 | $ 264,000 | $ 122,000 |
| Morrow County Ohio | 10 | $ 2,020,000 | $ 202,000 | $ 109,000 |
| Van Wert County Ohio | 10 | $ 1,410,000 | $ 141,000 | $ 65,000 |
| Hendricks County Indiana | 9 | $ 2,295,000 | $ 255,000 | $ 130,000 |
| Hillsdale County Michigan | 9 | $ 1,085,000 | $ 120,000 | $ 76,000 |
| Montgomery County Ohio | 9 | $ 2,995,000 | $ 332,000 | $ 178,000 |
| LaPorte County Indiana | 8 | $ 1,160,000 | $ 145,000 | $ 133,000 |
| Wayne County Michigan | 7 | $ 1,415,000 | $ 202,000 | $ 118,000 |
| Knox County Ohio | 7 | $ 1,495,000 | $ 213,000 | $ 112,000 |
| Boone County Indiana | 6 | $ 2,890,000 | $ 481,000 | $ 345,000 |
| Logan County Ohio | 6 | $ 1,520,000 | $ 253,000 | $ 187,000 |
| Marion County Ohio | 6 | $ 1,280,000 | $ 213,000 | $ 111,000 |
| Sarasota County Florida | 5 | $ 1,905,000 | $ 381,000 | $ 295,000 |
| Lake County Ohio | 5 | $ 1,215,000 | $ 243,000 | $ 154,000 |
| Charlotte County Florida | 4 | $ 1,290,000 | $ 322,000 | $ 254,000 |
| Brown County Indiana | 4 | $ 730,000 | $ 182,000 | $ 158,000 |
| Kosciusko County Indiana | 4 | $ 2,220,000 | $ 555,000 | $ 289,000 |
| Cuyahoga County Ohio | 4 | $ 830,000 | $ 207,000 | $ 135,000 |
| Erie County Ohio | 4 | $ 750,000 | $ 187,000 | $ 84,000 |
| Hamilton County Ohio | 4 | $ 1,380,000 | $ 345,000 | $ 211,000 |
| Hocking County Ohio | 4 | $ 600,000 | $ 150,000 | $ 192,000 |
| Huron County Ohio | 4 | $ 460,000 | $ 115,000 | $ 61,000 |
| Perry County Ohio | 4 | $ 1,380,000 | $ 345,000 | $ 148,000 |
| Beaufort County South Carolina | 4 | $ 1,200,000 | $ 300,000 | $ 154,000 |
| Lee County Florida | 3 | $ 1,085,000 | $ 361,000 | $ 205,000 |
| Palm Beach County Florida | 3 | $ 935,000 | $ 311,000 | $ 140,000 |
| Adams County Indiana | 3 | $ 565,000 | $ 188,000 | $ 80,000 |
| Bartholomew County Indiana | 3 | $ 595,000 | $ 198,000 | $ 132,000 |
| Lake County Indiana | 3 | $ 735,000 | $ 245,000 | $ 63,000 |
| Noble County Indiana | 3 | $ 465,000 | $ 155,000 | $ 90,000 |
| Tipton County Indiana | 3 | $ 285,000 | $ 95,000 | $ 96,000 |
| Butler County Ohio | 3 | $ 745,000 | $ 248,000 | $ 177,000 |
| Champaign County Ohio | 3 | $ 435,000 | $ 145,000 | $ 66,000 |
| Clermont County Ohio | 3 | $ 835,000 | $ 278,000 | $ 102,000 |
| Fayette County Ohio | 3 | $ 475,000 | $ 158,000 | $ 106,000 |
| Greene County Ohio | 3 | $ 775,000 | $ 258,000 | $ 236,000 |
| Lawrence County Ohio | 3 | $ 975,000 | $ 325,000 | $ 135,000 |
| Ross County Ohio | 3 | $ 755,000 | $ 251,000 | $ 171,000 |
| Indian River County Florida | 2 | $ 830,000 | $ 415,000 | $ 182,000 |
| Pasco County Florida | 2 | $ 340,000 | $ 170,000 | $ 81,000 |
| Pinellas County Florida | 2 | $ 780,000 | $ 390,000 | $ 392,000 |
| Delaware County Indiana | 2 | $ 450,000 | $ 225,000 | $ 193,000 |
| Elkhart County Indiana | 2 | $ 520,000 | $ 260,000 | $ 153,000 |
| Grant County Indiana | 2 | $ 120,000 | $ 60,000 | $ 31,000 |
| Lawrence County Indiana | 2 | $ 390,000 | $ 195,000 | $ 59,000 |
| Morgan County Indiana | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Whitley County Indiana | 2 | $ 410,000 | $ 205,000 | $ 89,000 |
| Benzie County Michigan | 2 | $ 580,000 | $ 290,000 | $ 241,000 |
| Calhoun County Michigan | 2 | $ 500,000 | $ 250,000 | $ 153,000 |
| Mackinac County Michigan | 2 | $ 710,000 | $ 355,000 | $ 416,000 |
| Wake County North Carolina | 2 | $ 750,000 | $ 375,000 | $ 203,000 |
| Lorain County Ohio | 2 | $ 360,000 | $ 180,000 | $ 145,000 |
| Richland County Ohio | 2 | $ 360,000 | $ 180,000 | $ 138,000 |
| Stark County Ohio | 2 | $ 490,000 | $ 245,000 | $ 65,000 |
| Summit County Ohio | 2 | $ 490,000 | $ 245,000 | $ 167,000 |
| Warren County Ohio | 2 | $ 770,000 | $ 385,000 | $ 83,000 |
| Baldwin County Alabama | 1 | $ 515,000 | $ 515,000 | $ 193,000 |
| Broomfield County Colorado | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Jefferson County Colorado | 1 | $ 515,000 | $ 515,000 | $ 105,000 |
| Collier County Florida | 1 | $ 205,000 | $ 205,000 | $ 235,000 |
| Escambia County Florida | 1 | $ 245,000 | $ 245,000 | $ 193,000 |
| Hillsborough County Florida | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Manatee County Florida | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Osceola County Florida | 1 | $ 355,000 | $ 355,000 | $ 339,000 |
| St. Lucie County Florida | 1 | $ 155,000 | $ 155,000 | $ 232,000 |
| Volusia County Florida | 1 | $ 235,000 | $ 235,000 | $ 189,000 |
| Walton County Florida | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Cook County Illinois | 1 | $ 245,000 | $ 245,000 | $ 292,000 |
| Dearborn County Indiana | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Jackson County Indiana | 1 | $ 255,000 | $ 255,000 | $ 139,000 |
| LaGrange County Indiana | 1 | $ 235,000 | $ 235,000 | $ 510,000 |
| Owen County Indiana | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Porter County Indiana | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Putnam County Indiana | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| St. Joseph County Indiana | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Tippecanoe County Indiana | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Vanderburgh County Indiana | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Vigo County Indiana | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Warren County Indiana | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Wells County Indiana | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Jefferson County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 367,000 |
| Owen County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Allegan County Michigan | 1 | $ 905,000 | $ 905,000 | $ 276,000 |
| Antrim County Michigan | 1 | $ 125,000 | $ 125,000 | $ 147,000 |
| Cheboygan County Michigan | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Crawford County Michigan | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Emmet County Michigan | 1 | $ 205,000 | $ 205,000 | $ 219,000 |
| Jackson County Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Kalkaska County Michigan | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Kent County Michigan | 1 | $ 515,000 | $ 515,000 | $ 317,000 |
| Leelanau County Michigan | 1 | $ 425,000 | $ 425,000 | $ 327,000 |
| Oakland County Michigan | 1 | $ 275,000 | $ 275,000 | $ 180,000 |
| Brunswick County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 943,000 |
| Moore County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Ashtabula County Ohio | 1 | $ 245,000 | $ 245,000 | $ 330,000 |
| Highland County Ohio | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Jackson County Ohio | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Mercer County Ohio | 1 | $ 375,000 | $ 375,000 | $ 500,000 |
| Scioto County Ohio | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| Washington County Ohio | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Lycoming County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 391,000 |
| Union County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Wasatch County Utah | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for The State Bank And 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 And 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 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.