The State Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, The State Bank & Trust Company of Defiance, OH reported 3,303 mortgage applications totaling $807.0 million, down 30% from 2021. The average application was for $244,321, and applicants reported an average income of $136,906. 45% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (699), Toledo, OH (314) and Indianapolis-Carmel-Anderson, IN (87) (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 | 3,303 |
| Total Mortgage Loan Application Amount | $806,995,000 |
| Average Mortgage Loan Application Amount | $244,321 |
| Highest Mortgage Loan Application Amount | $3,985,000 |
| Average Applicant Income | $136,906 |
| Highest Applicant Income | $6,402,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 427 | $ 118,535,000 | $ 277,599 | $ 168,000 |
| Williams, Ohio | 151 | $ 19,065,000 | $ 126,258 | $ 91,000 |
| Defiance, Ohio | 143 | $ 17,705,000 | $ 123,811 | $ 81,000 |
| Paulding, Ohio | 142 | $ 18,890,000 | $ 133,028 | $ 104,000 |
| Lucas, Ohio | 137 | $ 29,125,000 | $ 212,591 | $ 151,000 |
| Delaware, Ohio | 133 | $ 45,785,000 | $ 344,248 | $ 217,000 |
| Fulton, Ohio | 92 | $ 11,720,000 | $ 127,391 | $ 100,000 |
| Wood, Ohio | 75 | $ 16,695,000 | $ 222,600 | $ 135,000 |
| Allen, Ohio | 72 | $ 9,820,000 | $ 136,388 | $ 100,000 |
| Allen, Indiana | 61 | $ 14,365,000 | $ 235,491 | $ 170,000 |
| Hamilton, Indiana | 43 | $ 23,755,000 | $ 552,441 | $ 391,000 |
| Licking, Ohio | 38 | $ 12,450,000 | $ 327,631 | $ 244,000 |
| Hancock, Ohio | 36 | $ 10,980,000 | $ 305,000 | $ 230,000 |
| Henry, Ohio | 35 | $ 5,925,000 | $ 169,285 | $ 116,000 |
| Fairfield, Ohio | 27 | $ 11,185,000 | $ 414,259 | $ 334,000 |
| Union, Ohio | 26 | $ 8,040,000 | $ 309,230 | $ 239,000 |
| Marion, Indiana | 21 | $ 6,075,000 | $ 289,285 | $ 219,000 |
| Pickaway, Ohio | 20 | $ 5,920,000 | $ 296,000 | $ 122,000 |
| Steuben, Indiana | 18 | $ 3,960,000 | $ 220,000 | $ 138,000 |
| Monroe, Michigan | 17 | $ 2,895,000 | $ 170,294 | $ 88,000 |
| DeKalb, Indiana | 15 | $ 4,755,000 | $ 317,000 | $ 150,000 |
| Hillsdale, Michigan | 12 | $ 1,850,000 | $ 154,166 | $ 106,000 |
| Morrow, Ohio | 12 | $ 3,310,000 | $ 275,833 | $ 133,000 |
| Seneca, Ohio | 12 | $ 1,700,000 | $ 141,666 | $ 93,000 |
| Madison, Ohio | 10 | $ 3,280,000 | $ 328,000 | $ 223,000 |
| Ottawa, Ohio | 10 | $ 3,220,000 | $ 322,000 | $ 575,000 |
| Putnam, Ohio | 10 | $ 1,350,000 | $ 135,000 | $ 101,000 |
| Knox, Ohio | 9 | $ 1,775,000 | $ 197,222 | $ 131,000 |
| Auglaize, Ohio | 8 | $ 5,380,000 | $ 672,500 | $ 205,000 |
| Logan, Ohio | 8 | $ 2,840,000 | $ 355,000 | $ 373,000 |
| Montgomery, Ohio | 8 | $ 2,440,000 | $ 305,000 | $ 321,000 |
| Van Wert, Ohio | 8 | $ 1,070,000 | $ 133,750 | $ 87,000 |
| Boone, Indiana | 6 | $ 5,660,000 | $ 943,333 | $ 339,000 |
| Hancock, Indiana | 5 | $ 1,865,000 | $ 373,000 | $ 154,000 |
| Branch, Michigan | 5 | $ 1,555,000 | $ 311,000 | $ 259,000 |
| Hendricks, Indiana | 4 | $ 1,060,000 | $ 265,000 | $ 96,000 |
| Madison, Indiana | 4 | $ 390,000 | $ 97,500 | $ 81,000 |
| Lenawee, Michigan | 4 | $ 910,000 | $ 227,500 | $ 63,000 |
| Greene, Ohio | 4 | $ 1,020,000 | $ 255,000 | $ 161,000 |
| Hocking, Ohio | 4 | $ 1,560,000 | $ 390,000 | $ 282,000 |
| Miami, Ohio | 4 | $ 2,750,000 | $ 687,500 | $ 111,000 |
| LaPorte, Indiana | 3 | $ 435,000 | $ 145,000 | $ 139,000 |
| Whitley, Indiana | 3 | $ 1,005,000 | $ 335,000 | $ 398,000 |
| Leelanau, Michigan | 3 | $ 885,000 | $ 295,000 | $ 480,000 |
| Muskingum, Ohio | 3 | $ 615,000 | $ 205,000 | $ 182,000 |
| Sandusky, Ohio | 3 | $ 285,000 | $ 95,000 | $ 109,000 |
| Broward, Florida | 2 | $ 1,540,000 | $ 770,000 | $ 520,000 |
| Lee, Florida | 2 | $ 2,080,000 | $ 1,040,000 | $ 557,000 |
| Brown, Indiana | 2 | $ 250,000 | $ 125,000 | $ 60,000 |
| Huntington, Indiana | 2 | $ 580,000 | $ 290,000 | $ 121,000 |
| Johnson, Indiana | 2 | $ 1,000,000 | $ 500,000 | $ 243,000 |
| Kosciusko, Indiana | 2 | $ 1,240,000 | $ 620,000 | $ 364,000 |
| Noble, Indiana | 2 | $ 780,000 | $ 390,000 | $ 212,000 |
| Calhoun, Michigan | 2 | $ 120,000 | $ 60,000 | $ 216,000 |
| Livingston, Michigan | 2 | $ 1,400,000 | $ 700,000 | $ 759,000 |
| St. Clair, Michigan | 2 | $ 910,000 | $ 455,000 | $ 1,001,000 |
| Hardin, Ohio | 2 | $ 1,090,000 | $ 545,000 | $ 137,000 |
| Marion, Ohio | 2 | $ 320,000 | $ 160,000 | $ 43,000 |
| Mercer, Ohio | 2 | $ 360,000 | $ 180,000 | $ 69,000 |
| Perry, Ohio | 2 | $ 960,000 | $ 480,000 | $ 133,000 |
| Richland, Ohio | 2 | $ 510,000 | $ 255,000 | $ 85,000 |
| Wyandot, Ohio | 2 | $ 510,000 | $ 255,000 | $ 144,000 |
| Bay, Florida | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Collier, Florida | 1 | $ 345,000 | $ 345,000 | $ 170,000 |
| Highlands, Florida | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Pinellas, Florida | 1 | $ 465,000 | $ 465,000 | $ 116,000 |
| St. Johns, Florida | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Cobb, Georgia | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| DuPage, Illinois | 1 | $ 615,000 | $ 615,000 | $ 266,000 |
| Adams, Indiana | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Clark, Indiana | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Elkhart, Indiana | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Fulton, Indiana | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Grant, Indiana | 1 | $ 215,000 | $ 215,000 | $ 350,000 |
| LaGrange, Indiana | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Monroe, Indiana | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Tippecanoe, Indiana | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Antrim, Michigan | 1 | $ 705,000 | $ 705,000 | $ 317,000 |
| Cheboygan, Michigan | 1 | $ 215,000 | $ 215,000 | $ 336,000 |
| Genesee, Michigan | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Jackson, Michigan | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
| Oakland, Michigan | 1 | $ 115,000 | $ 115,000 | $ 647,000 |
| Wayne, Michigan | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Pulaski, Missouri | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| St. Charles, Missouri | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Dare, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Ashland, Ohio | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Athens, Ohio | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Belmont, Ohio | 1 | $ 355,000 | $ 355,000 | $ 158,000 |
| Butler, Ohio | 1 | $ 1,045,000 | $ 1,045,000 | $ 0 |
| Champaign, Ohio | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Clark, Ohio | 1 | $ 285,000 | $ 285,000 | $ 137,000 |
| Clinton, Ohio | 1 | $ 265,000 | $ 265,000 | $ 393,000 |
| Fayette, Ohio | 1 | $ 435,000 | $ 435,000 | $ 106,000 |
| Highland, Ohio | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Huron, Ohio | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Lorain, Ohio | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Medina, Ohio | 1 | $ 155,000 | $ 155,000 | $ 260,000 |
| Warren, Ohio | 1 | $ 885,000 | $ 885,000 | $ 668,000 |
| Beaufort, South Carolina | 1 | $ 555,000 | $ 555,000 | $ 128,000 |
| Loudon, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Shelby, Tennessee | 1 | $ 725,000 | $ 725,000 | $ 391,000 |
| Williamson, Tennessee | 1 | $ 835,000 | $ 835,000 | $ 644,000 |
| Charlottesville, Virginia | 1 | $ 225,000 | $ 225,000 | $ 422,000 |
| Hanover, Virginia | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Marion, West Virginia | 1 | $ 255,000 | $ 255,000 | $ 43,000 |
| Dane, Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2022
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 | 2,411 | $677,825,000 | $281,000 | $3,985,000 | $132,000 | $6,402,000 |
| Home Improvement | 295 | $24,635,000 | $83,000 | $825,000 | $156,000 | $3,382,000 |
| Refinancing | 230 | $42,850,000 | $186,000 | $1,645,000 | $150,000 | $1,030,000 |
| Cash-out Refinancing | 229 | $46,165,000 | $201,000 | $1,565,000 | $114,000 | $785,000 |
| Other Purpose | 138 | $15,520,000 | $112,000 | $1,685,000 | $198,000 | $3,764,000 |
| 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 | 2,356 | $545,260,000 | $231,000 | $3,985,000 | $135,000 | $5,667,000 |
| Not Provided | 603 | $163,135,000 | $270,000 | $1,575,000 | $137,000 | $1,500,000 |
| Black or African American | 116 | $23,670,000 | $204,000 | $1,685,000 | $93,000 | $903,000 |
| Hispanic | 88 | $18,300,000 | $207,000 | $825,000 | $109,000 | $951,000 |
| Not applicable | 69 | $27,985,000 | $405,000 | $2,205,000 | $0 | $0 |
| Asian | 55 | $24,415,000 | $443,000 | $2,205,000 | $326,000 | $6,402,000 |
| American Indian or Alaskan Native | 10 | $2,380,000 | $238,000 | $525,000 | $81,000 | $177,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
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) | 3,035 | $756,085,000 | $249,000 | $3,985,000 | $142,000 | $6,402,000 |
| FHA-insured (Federal Housing Administration) | 218 | $39,160,000 | $179,000 | $445,000 | $72,000 | $519,000 |
| VA-guaranteed (Veterans Administration) | 43 | $10,955,000 | $254,000 | $455,000 | $82,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $795,000 | $113,000 | $165,000 | $40,000 | $58,000 |
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 | 1,477 | $362,545,000 | $245,000 | $3,985,000 | $165,000 | $5,667,000 |
| Preapproval Approved but not Accepted | 994 | $269,210,000 | $270,000 | $1,605,000 | $115,000 | $1,700,000 |
| Preapproval Denied by Financial Institution | 341 | $64,705,000 | $189,000 | $1,505,000 | $67,000 | $900,000 |
| Application Withdrawn By Applicant | 243 | $62,265,000 | $256,000 | $2,205,000 | $142,000 | $971,000 |
| Application Denied By Financial Institution | 196 | $33,110,000 | $168,000 | $2,595,000 | $122,000 | $3,382,000 |
| File Closed For Incompleteness | 31 | $10,615,000 | $342,000 | $2,205,000 | $327,000 | $6,402,000 |
| Application Approved But Not Accepted | 21 | $4,545,000 | $216,000 | $825,000 | $114,000 | $298,000 |
| 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 | 2,766 | $709,180,000 | $256,000 | $3,985,000 | $146,000 | $6,402,000 |
| Credit History | 296 | $44,030,000 | $148,000 | $995,000 | $88,000 | $3,382,000 |
| Debt-To-Income Ratio | 139 | $27,465,000 | $197,000 | $1,505,000 | $51,000 | $437,000 |
| Credit Application Incomplete | 51 | $16,005,000 | $313,000 | $2,595,000 | $152,000 | $1,200,000 |
| Collateral | 28 | $5,930,000 | $211,000 | $1,865,000 | $129,000 | $979,000 |
| Employment History | 14 | $1,920,000 | $137,000 | $335,000 | $54,000 | $154,000 |
| Unverifiable Information | 4 | $790,000 | $197,000 | $325,000 | $167,000 | $241,000 |
| Other | 3 | $1,065,000 | $355,000 | $805,000 | $166,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $610,000 | $305,000 | $425,000 | $98,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2022 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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