The State Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, The State Bank & Trust Company of Defiance, OH reported 2,529 mortgage applications totaling $600.1 million, down 23% from 2022. The average application was for $237,285, and applicants reported an average income of $131,595. 42% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (435), Indianapolis-Carmel-Anderson, IN (189) and Toledo, OH (185) (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 | 2,529 |
| Total Mortgage Loan Application Amount | $600,095,000 |
| Average Mortgage Loan Application Amount | $237,285 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $131,595 |
| Highest Applicant Income | $1,175,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 300 | $ 85,620,000 | $ 285,400 | $ 173,000 |
| Defiance, Ohio | 121 | $ 14,545,000 | $ 120,206 | $ 96,000 |
| Williams, Ohio | 106 | $ 12,200,000 | $ 115,094 | $ 82,000 |
| Paulding, Ohio | 83 | $ 9,175,000 | $ 110,542 | $ 91,000 |
| Lucas, Ohio | 82 | $ 13,150,000 | $ 160,365 | $ 120,000 |
| Marion, Indiana | 76 | $ 20,520,000 | $ 270,000 | $ 143,000 |
| Hamilton, Indiana | 67 | $ 24,135,000 | $ 360,223 | $ 180,000 |
| Fulton, Ohio | 66 | $ 7,260,000 | $ 110,000 | $ 81,000 |
| Delaware, Ohio | 56 | $ 20,000,000 | $ 357,142 | $ 226,000 |
| Allen, Ohio | 54 | $ 14,040,000 | $ 260,000 | $ 91,000 |
| Allen, Indiana | 40 | $ 9,540,000 | $ 238,500 | $ 169,000 |
| Wood, Ohio | 34 | $ 5,830,000 | $ 171,470 | $ 132,000 |
| Union, Ohio | 23 | $ 8,375,000 | $ 364,130 | $ 260,000 |
| Hancock, Ohio | 22 | $ 4,420,000 | $ 200,909 | $ 239,000 |
| Boone, Indiana | 21 | $ 7,895,000 | $ 375,952 | $ 171,000 |
| Licking, Ohio | 20 | $ 4,420,000 | $ 221,000 | $ 173,000 |
| Putnam, Ohio | 20 | $ 4,170,000 | $ 208,500 | $ 97,000 |
| Fairfield, Ohio | 17 | $ 5,115,000 | $ 300,882 | $ 137,000 |
| Henry, Ohio | 11 | $ 1,305,000 | $ 118,636 | $ 86,000 |
| Knox, Ohio | 10 | $ 2,110,000 | $ 211,000 | $ 198,000 |
| Pickaway, Ohio | 9 | $ 1,255,000 | $ 139,444 | $ 149,000 |
| DeKalb, Indiana | 8 | $ 1,630,000 | $ 203,750 | $ 110,000 |
| Hancock, Indiana | 8 | $ 2,860,000 | $ 357,500 | $ 161,000 |
| Steuben, Indiana | 7 | $ 1,295,000 | $ 185,000 | $ 154,000 |
| Lenawee, Michigan | 7 | $ 1,015,000 | $ 145,000 | $ 111,000 |
| Hendricks, Indiana | 6 | $ 1,630,000 | $ 271,666 | $ 181,000 |
| Madison, Indiana | 6 | $ 3,080,000 | $ 513,333 | $ 203,000 |
| Clark, Ohio | 6 | $ 1,540,000 | $ 256,666 | $ 105,000 |
| Hillsdale, Michigan | 5 | $ 715,000 | $ 143,000 | $ 114,000 |
| Johnson, Indiana | 4 | $ 1,500,000 | $ 375,000 | $ 158,000 |
| Auglaize, Ohio | 4 | $ 320,000 | $ 80,000 | $ 63,000 |
| Cuyahoga, Ohio | 4 | $ 2,090,000 | $ 522,500 | $ 385,000 |
| Sandusky, Ohio | 4 | $ 540,000 | $ 135,000 | $ 101,000 |
| Seneca, Ohio | 4 | $ 1,010,000 | $ 252,500 | $ 149,000 |
| Van Wert, Ohio | 4 | $ 550,000 | $ 137,500 | $ 106,000 |
| LaGrange, Indiana | 3 | $ 655,000 | $ 218,333 | $ 111,000 |
| Livingston, Michigan | 3 | $ 1,625,000 | $ 541,666 | $ 678,000 |
| Monroe, Michigan | 3 | $ 655,000 | $ 218,333 | $ 130,000 |
| Hamilton, Ohio | 3 | $ 585,000 | $ 195,000 | $ 145,000 |
| Madison, Ohio | 3 | $ 995,000 | $ 331,666 | $ 134,000 |
| Montgomery, Ohio | 3 | $ 1,855,000 | $ 618,333 | $ 225,000 |
| Morrow, Ohio | 3 | $ 415,000 | $ 138,333 | $ 133,000 |
| Ottawa, Ohio | 3 | $ 1,285,000 | $ 428,333 | $ 678,000 |
| Perry, Ohio | 3 | $ 965,000 | $ 321,666 | $ 261,000 |
| Bay, Florida | 2 | $ 900,000 | $ 450,000 | $ 57,000 |
| Monroe, Florida | 2 | $ 2,010,000 | $ 1,005,000 | $ 556,000 |
| Clinton, Indiana | 2 | $ 490,000 | $ 245,000 | $ 128,000 |
| Delaware, Indiana | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Branch, Michigan | 2 | $ 360,000 | $ 180,000 | $ 109,000 |
| Jackson, Michigan | 2 | $ 260,000 | $ 130,000 | $ 453,000 |
| Oakland, Michigan | 2 | $ 510,000 | $ 255,000 | $ 267,000 |
| Ashtabula, Ohio | 2 | $ 330,000 | $ 165,000 | $ 292,000 |
| Butler, Ohio | 2 | $ 810,000 | $ 405,000 | $ 161,000 |
| Logan, Ohio | 2 | $ 400,000 | $ 200,000 | $ 143,000 |
| Lorain, Ohio | 2 | $ 460,000 | $ 230,000 | $ 224,000 |
| Marion, Ohio | 2 | $ 620,000 | $ 310,000 | $ 87,000 |
| Medina, Ohio | 2 | $ 840,000 | $ 420,000 | $ 215,000 |
| Muskingum, Ohio | 2 | $ 650,000 | $ 325,000 | $ 131,000 |
| Stark, Ohio | 2 | $ 300,000 | $ 150,000 | $ 135,000 |
| Beaufort, South Carolina | 2 | $ 2,780,000 | $ 1,390,000 | $ 346,000 |
| Broward, Florida | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Collier, Florida | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Duval, Florida | 1 | $ 335,000 | $ 335,000 | $ 109,000 |
| Escambia, Florida | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Martin, Florida | 1 | $ 395,000 | $ 395,000 | $ 153,000 |
| Orange, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 917,000 |
| Palm Beach, Florida | 1 | $ 175,000 | $ 175,000 | $ 251,000 |
| Pasco, Florida | 1 | $ 275,000 | $ 275,000 | $ 340,000 |
| Thomas, Georgia | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Bartholomew, Indiana | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Brown, Indiana | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Elkhart, Indiana | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Grant, Indiana | 1 | $ 395,000 | $ 395,000 | $ 350,000 |
| Huntington, Indiana | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Kosciusko, Indiana | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| LaPorte, Indiana | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Monroe, Indiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Montgomery, Indiana | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Noble, Indiana | 1 | $ 315,000 | $ 315,000 | $ 179,000 |
| St. Joseph, Indiana | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Whitley, Indiana | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Arenac, Michigan | 1 | $ 55,000 | $ 55,000 | $ 194,000 |
| Crawford, Michigan | 1 | $ 105,000 | $ 105,000 | $ 194,000 |
| Kalamazoo, Michigan | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Van Buren, Michigan | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Hillsborough, New Hampshire | 1 | $ 725,000 | $ 725,000 | $ 250,000 |
| New Hanover, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 360,000 |
| Athens, Ohio | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Carroll, Ohio | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Champaign, Ohio | 1 | $ 95,000 | $ 95,000 | $ 283,000 |
| Clinton, Ohio | 1 | $ 405,000 | $ 405,000 | $ 180,000 |
| Darke, Ohio | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Greene, Ohio | 1 | $ 425,000 | $ 425,000 | $ 325,000 |
| Hardin, Ohio | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Hocking, Ohio | 1 | $ 325,000 | $ 325,000 | $ 843,000 |
| Huron, Ohio | 1 | $ 375,000 | $ 375,000 | $ 193,000 |
| Meigs, Ohio | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Mercer, Ohio | 1 | $ 385,000 | $ 385,000 | $ 315,000 |
| Portage, Ohio | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Richland, Ohio | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Ross, Ohio | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Scioto, Ohio | 1 | $ 385,000 | $ 385,000 | $ 500,000 |
| Trumbull, Ohio | 1 | $ 305,000 | $ 305,000 | $ 161,000 |
| Washington, Ohio | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Cumberland, Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 211,000 |
| Pickens, South Carolina | 1 | $ 545,000 | $ 545,000 | $ 180,000 |
| Campbell, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 361,000 |
| Knox, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Lincoln, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Loudon, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 193,000 |
| Williamson, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 152,000 |
| Amherst, Virginia | 1 | $ 215,000 | $ 215,000 | $ 1,090,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2023
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 | 2,051 | $547,425,000 | $266,000 | $3,005,000 | $129,000 | $1,175,000 |
| Home Improvement | 178 | $13,540,000 | $76,000 | $265,000 | $149,000 | $700,000 |
| Other Purpose | 119 | $11,055,000 | $92,000 | $705,000 | $150,000 | $816,000 |
| Refinancing | 112 | $15,810,000 | $141,000 | $2,205,000 | $152,000 | $548,000 |
| Cash-out Refinancing | 69 | $12,265,000 | $177,000 | $935,000 | $99,000 | $324,000 |
| 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 | 1,648 | $356,890,000 | $216,000 | $2,185,000 | $129,000 | $1,175,000 |
| Not Provided | 537 | $149,395,000 | $278,000 | $1,505,000 | $144,000 | $1,107,000 |
| Black or African American | 113 | $22,705,000 | $200,000 | $695,000 | $87,000 | $444,000 |
| Hispanic | 86 | $16,320,000 | $189,000 | $1,905,000 | $89,000 | $552,000 |
| Asian | 69 | $22,815,000 | $330,000 | $1,355,000 | $190,000 | $843,000 |
| Not applicable | 63 | $29,365,000 | $466,000 | $3,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $870,000 | $145,000 | $285,000 | $69,000 | $126,000 |
| 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) | 2,314 | $554,230,000 | $239,000 | $3,005,000 | $137,000 | $1,175,000 |
| FHA-insured (Federal Housing Administration) | 165 | $34,355,000 | $208,000 | $835,000 | $77,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 42 | $10,460,000 | $249,000 | $605,000 | $87,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,050,000 | $131,000 | $225,000 | $51,000 | $82,000 |
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 | 1,071 | $253,195,000 | $236,000 | $2,595,000 | $151,000 | $1,107,000 |
| Preapproval Approved but not Accepted | 764 | $203,200,000 | $265,000 | $1,355,000 | $125,000 | $1,175,000 |
| Preapproval Denied by Financial Institution | 338 | $66,500,000 | $196,000 | $2,185,000 | $82,000 | $1,175,000 |
| Application Withdrawn By Applicant | 187 | $49,915,000 | $266,000 | $1,475,000 | $164,000 | $839,000 |
| Application Denied By Financial Institution | 147 | $22,565,000 | $153,000 | $3,005,000 | $100,000 | $565,000 |
| Application Approved But Not Accepted | 14 | $3,460,000 | $247,000 | $605,000 | $206,000 | $446,000 |
| File Closed For Incompleteness | 8 | $1,260,000 | $157,000 | $385,000 | $66,000 | $184,000 |
| 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 | 2,044 | $511,030,000 | $250,000 | $2,595,000 | $142,000 | $1,175,000 |
| Credit History | 247 | $40,755,000 | $165,000 | $2,205,000 | $78,000 | $636,000 |
| Debt-To-Income Ratio | 149 | $26,355,000 | $176,000 | $1,445,000 | $70,000 | $733,000 |
| Credit Application Incomplete | 35 | $12,035,000 | $343,000 | $3,005,000 | $157,000 | $792,000 |
| Collateral | 31 | $4,445,000 | $143,000 | $725,000 | $135,000 | $565,000 |
| Employment History | 13 | $2,215,000 | $170,000 | $725,000 | $83,000 | $451,000 |
| Other | 6 | $2,730,000 | $455,000 | $2,185,000 | $337,000 | $1,175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $145,000 | $84,000 | $93,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2023 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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