The State Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, The State Bank & Trust Company of Defiance, OH reported 4,737 mortgage applications totaling $1.1 billion, down 15% from 2020. The average application was for $235,310, and applicants reported an average income of $117,152. 52% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (1,381), Toledo, OH (463) and Indianapolis-Carmel-Anderson, IN (136) (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 | 4,737 |
| Total Mortgage Loan Application Amount | $1,114,665,000 |
| Average Mortgage Loan Application Amount | $235,310 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $117,152 |
| Highest Applicant Income | $3,435,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 898 | $ 242,790,000 | $ 270,367 | $ 143,000 |
| Delaware, Ohio | 252 | $ 86,490,000 | $ 343,214 | $ 163,000 |
| Defiance, Ohio | 223 | $ 34,445,000 | $ 154,461 | $ 90,000 |
| Lucas, Ohio | 201 | $ 39,655,000 | $ 197,288 | $ 102,000 |
| Paulding, Ohio | 162 | $ 21,140,000 | $ 130,493 | $ 77,000 |
| Williams, Ohio | 157 | $ 20,465,000 | $ 130,350 | $ 75,000 |
| Fulton, Ohio | 133 | $ 20,475,000 | $ 153,947 | $ 95,000 |
| Wood, Ohio | 115 | $ 24,425,000 | $ 212,391 | $ 120,000 |
| Licking, Ohio | 69 | $ 20,835,000 | $ 301,956 | $ 135,000 |
| Monroe, Michigan | 63 | $ 14,235,000 | $ 225,952 | $ 110,000 |
| Fairfield, Ohio | 60 | $ 17,120,000 | $ 285,333 | $ 126,000 |
| Hancock, Ohio | 58 | $ 12,710,000 | $ 219,137 | $ 104,000 |
| Allen, Indiana | 54 | $ 15,040,000 | $ 278,518 | $ 191,000 |
| Allen, Ohio | 52 | $ 7,890,000 | $ 151,730 | $ 125,000 |
| Hamilton, Indiana | 50 | $ 17,850,000 | $ 357,000 | $ 190,000 |
| Marion, Indiana | 49 | $ 8,885,000 | $ 181,326 | $ 105,000 |
| Union, Ohio | 40 | $ 14,700,000 | $ 367,500 | $ 160,000 |
| Steuben, Indiana | 38 | $ 11,330,000 | $ 298,157 | $ 157,000 |
| Henry, Ohio | 30 | $ 5,690,000 | $ 189,666 | $ 82,000 |
| Seneca, Ohio | 25 | $ 4,145,000 | $ 165,800 | $ 91,000 |
| Pickaway, Ohio | 23 | $ 7,635,000 | $ 331,956 | $ 143,000 |
| Madison, Ohio | 19 | $ 5,495,000 | $ 289,210 | $ 137,000 |
| Putnam, Ohio | 19 | $ 3,145,000 | $ 165,526 | $ 84,000 |
| DeKalb, Indiana | 18 | $ 3,730,000 | $ 207,222 | $ 99,000 |
| Van Wert, Ohio | 18 | $ 2,450,000 | $ 136,111 | $ 63,000 |
| Ottawa, Ohio | 14 | $ 5,230,000 | $ 373,571 | $ 226,000 |
| Lenawee, Michigan | 13 | $ 2,295,000 | $ 176,538 | $ 132,000 |
| Hillsdale, Michigan | 12 | $ 1,810,000 | $ 150,833 | $ 82,000 |
| Auglaize, Ohio | 11 | $ 2,775,000 | $ 252,272 | $ 138,000 |
| Morrow, Ohio | 11 | $ 2,895,000 | $ 263,181 | $ 116,000 |
| Knox, Ohio | 10 | $ 3,180,000 | $ 318,000 | $ 159,000 |
| Hendricks, Indiana | 9 | $ 1,625,000 | $ 180,555 | $ 100,000 |
| Richland, Ohio | 9 | $ 3,705,000 | $ 411,666 | $ 108,000 |
| Madison, Indiana | 8 | $ 1,110,000 | $ 138,750 | $ 65,000 |
| Cuyahoga, Ohio | 8 | $ 1,440,000 | $ 180,000 | $ 149,000 |
| Sandusky, Ohio | 8 | $ 1,620,000 | $ 202,500 | $ 83,000 |
| Johnson, Indiana | 7 | $ 2,585,000 | $ 369,285 | $ 143,000 |
| Champaign, Ohio | 7 | $ 1,465,000 | $ 209,285 | $ 124,000 |
| Greene, Ohio | 6 | $ 2,610,000 | $ 435,000 | $ 213,000 |
| Hamilton, Ohio | 6 | $ 1,300,000 | $ 216,666 | $ 79,000 |
| Logan, Ohio | 6 | $ 1,160,000 | $ 193,333 | $ 120,000 |
| Muskingum, Ohio | 6 | $ 1,080,000 | $ 180,000 | $ 97,000 |
| Perry, Ohio | 6 | $ 1,580,000 | $ 263,333 | $ 104,000 |
| Lee, Florida | 5 | $ 1,605,000 | $ 321,000 | $ 151,000 |
| Boone, Indiana | 5 | $ 3,675,000 | $ 735,000 | $ 247,000 |
| Noble, Indiana | 5 | $ 1,795,000 | $ 359,000 | $ 109,000 |
| Jackson, Michigan | 5 | $ 1,445,000 | $ 289,000 | $ 263,000 |
| Mahoning, Ohio | 5 | $ 1,225,000 | $ 245,000 | $ 183,000 |
| Collier, Florida | 4 | $ 2,070,000 | $ 517,500 | $ 798,000 |
| Hancock, Indiana | 4 | $ 1,100,000 | $ 275,000 | $ 127,000 |
| Whitley, Indiana | 4 | $ 610,000 | $ 152,500 | $ 51,000 |
| Branch, Michigan | 4 | $ 1,050,000 | $ 262,500 | $ 105,000 |
| Fayette, Ohio | 4 | $ 1,390,000 | $ 347,500 | $ 299,000 |
| Lake, Ohio | 4 | $ 630,000 | $ 157,500 | $ 124,000 |
| Marion, Ohio | 4 | $ 1,200,000 | $ 300,000 | $ 97,000 |
| Montgomery, Ohio | 4 | $ 3,050,000 | $ 762,500 | $ 109,000 |
| Ross, Ohio | 4 | $ 1,110,000 | $ 277,500 | $ 205,000 |
| Cook, Illinois | 3 | $ 2,825,000 | $ 941,666 | $ 594,000 |
| Delaware, Indiana | 3 | $ 325,000 | $ 108,333 | $ 144,000 |
| LaGrange, Indiana | 3 | $ 775,000 | $ 258,333 | $ 229,000 |
| LaPorte, Indiana | 3 | $ 555,000 | $ 185,000 | $ 168,000 |
| Oakland, Michigan | 3 | $ 485,000 | $ 161,666 | $ 87,000 |
| Athens, Ohio | 3 | $ 1,205,000 | $ 401,666 | $ 125,000 |
| Hocking, Ohio | 3 | $ 875,000 | $ 291,666 | $ 75,000 |
| Mercer, Ohio | 3 | $ 755,000 | $ 251,666 | $ 109,000 |
| Duval, Florida | 2 | $ 950,000 | $ 475,000 | $ 189,000 |
| Manatee, Florida | 2 | $ 730,000 | $ 365,000 | $ 255,000 |
| Monroe, Florida | 2 | $ 1,490,000 | $ 745,000 | $ 717,000 |
| Osceola, Florida | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| Bartholomew, Indiana | 2 | $ 250,000 | $ 125,000 | $ 246,000 |
| Huntington, Indiana | 2 | $ 440,000 | $ 220,000 | $ 104,000 |
| Kosciusko, Indiana | 2 | $ 260,000 | $ 130,000 | $ 113,000 |
| Morgan, Indiana | 2 | $ 1,220,000 | $ 610,000 | $ 202,000 |
| Jefferson, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Roscommon, Michigan | 2 | $ 170,000 | $ 85,000 | $ 145,000 |
| Wayne, Michigan | 2 | $ 380,000 | $ 190,000 | $ 117,000 |
| Butler, Ohio | 2 | $ 650,000 | $ 325,000 | $ 95,000 |
| Clark, Ohio | 2 | $ 430,000 | $ 215,000 | $ 193,000 |
| Clermont, Ohio | 2 | $ 760,000 | $ 380,000 | $ 202,000 |
| Jackson, Ohio | 2 | $ 480,000 | $ 240,000 | $ 106,000 |
| Lorain, Ohio | 2 | $ 240,000 | $ 120,000 | $ 107,000 |
| Summit, Ohio | 2 | $ 390,000 | $ 195,000 | $ 60,000 |
| Warren, Ohio | 2 | $ 700,000 | $ 350,000 | $ 133,000 |
| Wyandot, Ohio | 2 | $ 520,000 | $ 260,000 | $ 121,000 |
| Beaufort, South Carolina | 2 | $ 1,690,000 | $ 845,000 | $ 253,000 |
| San Diego, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 3,435,000 |
| Bay, Florida | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Broward, Florida | 1 | $ 505,000 | $ 505,000 | $ 229,000 |
| Flagler, Florida | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Franklin, Florida | 1 | $ 415,000 | $ 415,000 | $ 466,000 |
| Pinellas, Florida | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| St. Lucie, Florida | 1 | $ 475,000 | $ 475,000 | $ 490,000 |
| Sumter, Florida | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Volusia, Florida | 1 | $ 215,000 | $ 215,000 | $ 217,000 |
| Vermilion, Illinois | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Adams, Indiana | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Brown, Indiana | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Decatur, Indiana | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Jackson, Indiana | 1 | $ 295,000 | $ 295,000 | $ 139,000 |
| Lawrence, Indiana | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Montgomery, Indiana | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Shelby, Indiana | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| St. Joseph, Indiana | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Tippecanoe, Indiana | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Tipton, Indiana | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Wabash, Indiana | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Wayne, Indiana | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Wells, Indiana | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Frederick, Maryland | 1 | $ 45,000 | $ 45,000 | $ 598,000 |
| Benzie, Michigan | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Calhoun, Michigan | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Cass, Michigan | 1 | $ 415,000 | $ 415,000 | $ 135,000 |
| Charlevoix, Michigan | 1 | $ 215,000 | $ 215,000 | $ 250,000 |
| Kalamazoo, Michigan | 1 | $ 305,000 | $ 305,000 | $ 159,000 |
| Macomb, Michigan | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| St. Joseph, Michigan | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Van Buren, Michigan | 1 | $ 425,000 | $ 425,000 | $ 177,000 |
| Rankin, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Carteret, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Ashtabula, Ohio | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Erie, Ohio | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Hardin, Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Huron, Ohio | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Lawrence, Ohio | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Medina, Ohio | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Meigs, Ohio | 1 | $ 145,000 | $ 145,000 | $ 200,000 |
| Miami, Ohio | 1 | $ 285,000 | $ 285,000 | $ 391,000 |
| Monroe, Ohio | 1 | $ 285,000 | $ 285,000 | $ 190,000 |
| Pike, Ohio | 1 | $ 245,000 | $ 245,000 | $ 147,000 |
| Portage, Ohio | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Stark, Ohio | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Horry, South Carolina | 1 | $ 965,000 | $ 965,000 | $ 331,000 |
| Davidson, Tennessee | 1 | $ 585,000 | $ 585,000 | $ 134,000 |
| Sevier, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 239,000 |
| Chesterfield, Virginia | 1 | $ 525,000 | $ 525,000 | $ 165,000 |
| James City, Virginia | 1 | $ 305,000 | $ 305,000 | $ 0 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2021
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 | 3,054 | $746,720,000 | $244,000 | $2,235,000 | $110,000 | $3,435,000 |
| Refinancing | 1,049 | $236,465,000 | $225,000 | $1,915,000 | $134,000 | $1,980,000 |
| Cash-out Refinancing | 591 | $125,155,000 | $211,000 | $1,105,000 | $124,000 | $1,202,000 |
| Home Improvement | 34 | $4,830,000 | $142,000 | $555,000 | $123,000 | $606,000 |
| Other Purpose | 9 | $1,495,000 | $166,000 | $405,000 | $109,000 | $195,000 |
| 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 | 3,563 | $842,125,000 | $236,000 | $2,235,000 | $120,000 | $1,626,000 |
| Not Provided | 667 | $156,435,000 | $234,000 | $1,245,000 | $117,000 | $3,435,000 |
| Black or African American | 204 | $36,680,000 | $179,000 | $725,000 | $71,000 | $329,000 |
| Hispanic | 132 | $25,900,000 | $196,000 | $1,305,000 | $83,000 | $533,000 |
| Asian | 94 | $29,370,000 | $312,000 | $1,205,000 | $154,000 | $1,282,000 |
| Not applicable | 57 | $18,015,000 | $316,000 | $1,915,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $3,545,000 | $272,000 | $705,000 | $174,000 | $598,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $175,000 | $26,000 | $32,000 |
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) | 4,312 | $1,039,000,000 | $240,000 | $2,235,000 | $122,000 | $3,435,000 |
| FHA-insured (Federal Housing Administration) | 328 | $52,250,000 | $159,000 | $395,000 | $60,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 77 | $20,405,000 | $265,000 | $585,000 | $87,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,010,000 | $150,000 | $235,000 | $50,000 | $71,000 |
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 | 2,459 | $598,855,000 | $243,000 | $1,915,000 | $131,000 | $1,980,000 |
| Preapproval Approved but not Accepted | 1,132 | $281,180,000 | $248,000 | $1,425,000 | $107,000 | $1,282,000 |
| Preapproval Denied by Financial Institution | 445 | $74,875,000 | $168,000 | $1,265,000 | $64,000 | $960,000 |
| Application Withdrawn By Applicant | 391 | $97,555,000 | $249,000 | $1,055,000 | $133,000 | $3,435,000 |
| Application Denied By Financial Institution | 235 | $46,215,000 | $196,000 | $2,235,000 | $104,000 | $1,202,000 |
| File Closed For Incompleteness | 60 | $11,380,000 | $189,000 | $1,385,000 | $88,000 | $276,000 |
| Application Approved But Not Accepted | 15 | $4,605,000 | $307,000 | $785,000 | $222,000 | $772,000 |
| 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 | 4,057 | $993,575,000 | $244,000 | $1,915,000 | $124,000 | $3,435,000 |
| Credit History | 457 | $69,985,000 | $153,000 | $835,000 | $68,000 | $960,000 |
| Debt-To-Income Ratio | 123 | $27,315,000 | $222,000 | $1,265,000 | $60,000 | $256,000 |
| Collateral | 44 | $11,090,000 | $252,000 | $1,105,000 | $178,000 | $1,202,000 |
| Credit Application Incomplete | 23 | $4,545,000 | $197,000 | $555,000 | $139,000 | $1,202,000 |
| Employment History | 15 | $4,945,000 | $329,000 | $2,235,000 | $92,000 | $451,000 |
| Other | 10 | $1,360,000 | $136,000 | $485,000 | $120,000 | $598,000 |
| Unverifiable Information | 5 | $955,000 | $191,000 | $385,000 | $84,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $895,000 | $298,000 | $545,000 | $124,000 | $239,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2021 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About