The State Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, The State Bank & Trust Company of Defiance, OH reported 2,761 mortgage applications totaling $713.3 million, up 9% from 2023. The average application was for $258,350, and applicants reported an average income of $132,496. 45% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (470), Indianapolis-Carmel-Anderson, IN (253) and Toledo, OH (204) (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 | 2,761 |
| Total Mortgage Loan Application Amount | $713,305,000 |
| Average Mortgage Loan Application Amount | $258,350 |
| Highest Mortgage Loan Application Amount | $10,965,000 |
| Average Applicant Income | $132,496 |
| Highest Applicant Income | $2,379,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 321 | $ 98,995,000 | $ 308,395 | $ 170,000 |
| Williams, Ohio | 131 | $ 15,435,000 | $ 117,824 | $ 86,000 |
| Marion, Indiana | 112 | $ 26,980,000 | $ 240,892 | $ 146,000 |
| Defiance, Ohio | 104 | $ 14,770,000 | $ 142,019 | $ 108,000 |
| Hamilton, Indiana | 84 | $ 29,660,000 | $ 353,095 | $ 163,000 |
| Paulding, Ohio | 83 | $ 10,315,000 | $ 124,277 | $ 86,000 |
| Delaware, Ohio | 79 | $ 45,105,000 | $ 570,949 | $ 230,000 |
| Fulton, Ohio | 77 | $ 9,955,000 | $ 129,285 | $ 96,000 |
| Lucas, Ohio | 73 | $ 12,515,000 | $ 171,438 | $ 114,000 |
| Allen, Ohio | 62 | $ 13,390,000 | $ 215,967 | $ 123,000 |
| Wood, Ohio | 54 | $ 13,490,000 | $ 249,814 | $ 145,000 |
| Allen, Indiana | 37 | $ 14,175,000 | $ 383,108 | $ 147,000 |
| Henry, Ohio | 32 | $ 3,880,000 | $ 121,250 | $ 92,000 |
| Hancock, Ohio | 21 | $ 6,555,000 | $ 312,142 | $ 264,000 |
| Licking, Ohio | 21 | $ 7,985,000 | $ 380,238 | $ 183,000 |
| Fairfield, Ohio | 19 | $ 15,655,000 | $ 823,947 | $ 156,000 |
| Boone, Indiana | 18 | $ 6,150,000 | $ 341,666 | $ 187,000 |
| Steuben, Indiana | 14 | $ 3,270,000 | $ 233,571 | $ 184,000 |
| Van Wert, Ohio | 14 | $ 2,250,000 | $ 160,714 | $ 80,000 |
| Union, Ohio | 11 | $ 5,885,000 | $ 535,000 | $ 353,000 |
| DeKalb, Indiana | 10 | $ 3,700,000 | $ 370,000 | $ 126,000 |
| Hendricks, Indiana | 10 | $ 2,750,000 | $ 275,000 | $ 161,000 |
| Madison, Indiana | 10 | $ 3,020,000 | $ 302,000 | $ 135,000 |
| Auglaize, Ohio | 10 | $ 2,010,000 | $ 201,000 | $ 98,000 |
| Ottawa, Ohio | 10 | $ 3,170,000 | $ 317,000 | $ 271,000 |
| Putnam, Ohio | 10 | $ 1,940,000 | $ 194,000 | $ 165,000 |
| Hamilton, Ohio | 9 | $ 2,515,000 | $ 279,444 | $ 102,000 |
| Monroe, Michigan | 8 | $ 1,780,000 | $ 222,500 | $ 123,000 |
| Johnson, Indiana | 7 | $ 2,885,000 | $ 412,142 | $ 307,000 |
| Madison, Ohio | 7 | $ 2,175,000 | $ 310,714 | $ 123,000 |
| Morrow, Ohio | 7 | $ 4,035,000 | $ 576,428 | $ 95,000 |
| Hancock, Indiana | 6 | $ 1,780,000 | $ 296,666 | $ 134,000 |
| Kosciusko, Indiana | 6 | $ 2,100,000 | $ 350,000 | $ 264,000 |
| Clark, Ohio | 5 | $ 1,065,000 | $ 213,000 | $ 139,000 |
| Knox, Ohio | 5 | $ 1,765,000 | $ 353,000 | $ 157,000 |
| Marion, Ohio | 5 | $ 835,000 | $ 167,000 | $ 179,000 |
| Kenton, Kentucky | 4 | $ 780,000 | $ 195,000 | $ 80,000 |
| Lee, Florida | 3 | $ 705,000 | $ 235,000 | $ 333,000 |
| Delaware, Indiana | 3 | $ 495,000 | $ 165,000 | $ 106,000 |
| Howard, Indiana | 3 | $ 465,000 | $ 155,000 | $ 50,000 |
| LaPorte, Indiana | 3 | $ 1,045,000 | $ 348,333 | $ 206,000 |
| Putnam, Indiana | 3 | $ 1,015,000 | $ 338,333 | $ 106,000 |
| Campbell, Kentucky | 3 | $ 765,000 | $ 255,000 | $ 74,000 |
| Branch, Michigan | 3 | $ 815,000 | $ 271,666 | $ 470,000 |
| Hillsdale, Michigan | 3 | $ 865,000 | $ 288,333 | $ 135,000 |
| Fayette, Ohio | 3 | $ 975,000 | $ 325,000 | $ 94,000 |
| Montgomery, Ohio | 3 | $ 515,000 | $ 171,666 | $ 245,000 |
| Pickaway, Ohio | 3 | $ 785,000 | $ 261,666 | $ 160,000 |
| Sandusky, Ohio | 3 | $ 465,000 | $ 155,000 | $ 91,000 |
| Seneca, Ohio | 3 | $ 195,000 | $ 65,000 | $ 67,000 |
| Summit, Ohio | 3 | $ 2,275,000 | $ 758,333 | $ 180,000 |
| Baldwin, Alabama | 2 | $ 760,000 | $ 380,000 | $ 354,000 |
| Brown, Indiana | 2 | $ 690,000 | $ 345,000 | $ 196,000 |
| Henry, Indiana | 2 | $ 490,000 | $ 245,000 | $ 78,000 |
| Morgan, Indiana | 2 | $ 540,000 | $ 270,000 | $ 256,000 |
| Shelby, Indiana | 2 | $ 360,000 | $ 180,000 | $ 86,000 |
| Wabash, Indiana | 2 | $ 370,000 | $ 185,000 | $ 113,000 |
| Wells, Indiana | 2 | $ 370,000 | $ 185,000 | $ 121,000 |
| Whitley, Indiana | 2 | $ 450,000 | $ 225,000 | $ 71,000 |
| Lenawee, Michigan | 2 | $ 340,000 | $ 170,000 | $ 82,000 |
| Cuyahoga, Ohio | 2 | $ 430,000 | $ 215,000 | $ 173,000 |
| Hardin, Ohio | 2 | $ 120,000 | $ 60,000 | $ 84,000 |
| Hocking, Ohio | 2 | $ 470,000 | $ 235,000 | $ 347,000 |
| Lake, Ohio | 2 | $ 280,000 | $ 140,000 | $ 180,000 |
| Richland, Ohio | 2 | $ 640,000 | $ 320,000 | $ 114,000 |
| Warren, Ohio | 2 | $ 1,210,000 | $ 605,000 | $ 206,000 |
| Beaufort, South Carolina | 2 | $ 1,250,000 | $ 625,000 | $ 227,000 |
| Naugatuck Valley Planning Region, Connecticut | 1 | $ 455,000 | $ 455,000 | $ 195,000 |
| Bay, Florida | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Broward, Florida | 1 | $ 485,000 | $ 485,000 | $ 482,000 |
| Indian River, Florida | 1 | $ 535,000 | $ 535,000 | $ 289,000 |
| Lake, Florida | 1 | $ 385,000 | $ 385,000 | $ 174,000 |
| Nassau, Florida | 1 | $ 665,000 | $ 665,000 | $ 904,000 |
| Pinellas, Florida | 1 | $ 445,000 | $ 445,000 | $ 377,000 |
| Catoosa, Georgia | 1 | $ 265,000 | $ 265,000 | $ 224,000 |
| Chatham, Georgia | 1 | $ 365,000 | $ 365,000 | $ 221,000 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Dearborn, Indiana | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Floyd, Indiana | 1 | $ 315,000 | $ 315,000 | $ 267,000 |
| Grant, Indiana | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Huntington, Indiana | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Jackson, Indiana | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Marshall, Indiana | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Montgomery, Indiana | 1 | $ 305,000 | $ 305,000 | $ 335,000 |
| Noble, Indiana | 1 | $ 595,000 | $ 595,000 | $ 205,000 |
| Owen, Indiana | 1 | $ 535,000 | $ 535,000 | $ 128,000 |
| Bourbon, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Suffolk, Massachusetts | 1 | $ 605,000 | $ 605,000 | $ 216,000 |
| Calhoun, Michigan | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Jackson, Michigan | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Kent, Michigan | 1 | $ 685,000 | $ 685,000 | $ 320,000 |
| Luce, Michigan | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Mackinac, Michigan | 1 | $ 315,000 | $ 315,000 | $ 1,041,000 |
| Oakland, Michigan | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Wayne, Michigan | 1 | $ 385,000 | $ 385,000 | $ 209,000 |
| Alamance, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Catawba, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Ashtabula, Ohio | 1 | $ 255,000 | $ 255,000 | $ 510,000 |
| Athens, Ohio | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Brown, Ohio | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Butler, Ohio | 1 | $ 1,655,000 | $ 1,655,000 | $ 0 |
| Clermont, Ohio | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Columbiana, Ohio | 1 | $ 165,000 | $ 165,000 | $ 682,000 |
| Darke, Ohio | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Erie, Ohio | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Logan, Ohio | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Lorain, Ohio | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Mercer, Ohio | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Portage, Ohio | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Stark, Ohio | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Wyandot, Ohio | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Providence, Rhode Island | 1 | $ 305,000 | $ 305,000 | $ 700,000 |
| Anderson, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Knox, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Monroe, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 176,000 |
| Putnam, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2024
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 | 2,172 | $603,670,000 | $277,000 | $10,965,000 | $129,000 | $2,379,000 |
| Home Improvement | 204 | $24,520,000 | $120,000 | $9,605,000 | $129,000 | $1,424,000 |
| Refinancing | 174 | $50,650,000 | $291,000 | $6,505,000 | $154,000 | $1,195,000 |
| Other Purpose | 136 | $13,690,000 | $100,000 | $505,000 | $168,000 | $1,073,000 |
| Cash-out Refinancing | 75 | $20,775,000 | $277,000 | $5,005,000 | $129,000 | $720,000 |
| 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 | 1,996 | $467,780,000 | $234,000 | $1,985,000 | $133,000 | $2,379,000 |
| Not Provided | 276 | $68,870,000 | $249,000 | $1,105,000 | $138,000 | $1,195,000 |
| Black or African American | 187 | $38,105,000 | $203,000 | $725,000 | $91,000 | $490,000 |
| Hispanic | 122 | $25,270,000 | $207,000 | $1,955,000 | $97,000 | $843,000 |
| Not applicable | 84 | $83,400,000 | $992,000 | $10,965,000 | $0 | $0 |
| Asian | 83 | $27,215,000 | $327,000 | $1,675,000 | $239,000 | $2,304,000 |
| American Indian or Alaskan Native | 11 | $2,335,000 | $212,000 | $545,000 | $98,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $275,000 | $127,000 | $188,000 |
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) | 2,478 | $654,250,000 | $264,000 | $10,965,000 | $138,000 | $2,379,000 |
| FHA-insured (Federal Housing Administration) | 237 | $47,445,000 | $200,000 | $495,000 | $82,000 | $776,000 |
| VA-guaranteed (Veterans Administration) | 36 | $9,830,000 | $273,000 | $475,000 | $89,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,780,000 | $178,000 | $275,000 | $62,000 | $107,000 |
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 | 1,252 | $341,410,000 | $272,000 | $10,965,000 | $155,000 | $2,379,000 |
| Preapproval Approved but not Accepted | 799 | $218,095,000 | $272,000 | $1,905,000 | $124,000 | $2,304,000 |
| Preapproval Denied by Financial Institution | 341 | $61,165,000 | $179,000 | $765,000 | $79,000 | $1,800,000 |
| Application Withdrawn By Applicant | 219 | $59,355,000 | $271,000 | $3,125,000 | $144,000 | $1,195,000 |
| Application Denied By Financial Institution | 130 | $21,870,000 | $168,000 | $6,505,000 | $83,000 | $385,000 |
| Application Approved But Not Accepted | 14 | $9,400,000 | $671,000 | $2,805,000 | $143,000 | $443,000 |
| File Closed For Incompleteness | 6 | $2,010,000 | $335,000 | $605,000 | $177,000 | $275,000 |
| 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 | 2,290 | $630,270,000 | $275,000 | $10,965,000 | $143,000 | $2,379,000 |
| Credit History | 233 | $33,505,000 | $143,000 | $505,000 | $71,000 | $588,000 |
| Debt-To-Income Ratio | 161 | $27,515,000 | $170,000 | $765,000 | $57,000 | $263,000 |
| Credit Application Incomplete | 41 | $10,375,000 | $253,000 | $755,000 | $185,000 | $1,800,000 |
| Collateral | 14 | $7,480,000 | $534,000 | $6,505,000 | $119,000 | $385,000 |
| Employment History | 13 | $2,205,000 | $169,000 | $565,000 | $53,000 | $112,000 |
| Unverifiable Information | 6 | $890,000 | $148,000 | $365,000 | $100,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,020,000 | $510,000 | $935,000 | $72,000 | $72,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $1,320,000 | $1,320,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2024 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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