The State Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, The State Bank & Trust Company of Defiance, OH reported 3,021 mortgage applications totaling $826.3 million, up 9% from 2024. The average application was for $273,526, and applicants reported an average income of $144,058. 46% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (451), Indianapolis-Carmel-Anderson, IN (259) and Toledo, OH (242) (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 | 3,021 |
| Total Mortgage Loan Application Amount | $826,325,000 |
| Average Mortgage Loan Application Amount | $273,526 |
| Highest Mortgage Loan Application Amount | $11,505,000 |
| Average Applicant Income | $144,058 |
| Highest Applicant Income | $7,268,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,767 | $ 408,275,000 | $ 231,055 | $ 119,710 |
| Columbus, OH | 451 | $ 200,805,000 | $ 445,243 | $ 224,000 |
| Indianapolis-Carmel-Anderson, IN | 259 | $ 85,505,000 | $ 330,135 | $ 177,000 |
| Toledo, OH | 242 | $ 54,960,000 | $ 227,107 | $ 143,000 |
| Cincinnati, OH-KY-IN | 99 | $ 26,845,000 | $ 271,161 | $ 107,484 |
| Lima, OH | 68 | $ 10,360,000 | $ 152,352 | $ 104,000 |
| Fort Wayne, IN | 46 | $ 12,860,000 | $ 279,565 | $ 198,000 |
| Cleveland, OH | 15 | $ 4,605,000 | $ 307,000 | $ 165,000 |
| Sandusky, OH | 14 | $ 5,450,000 | $ 389,285 | $ 324,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 3,420,000 | $ 342,000 | $ 107,000 |
| Springfield, OH | 9 | $ 1,045,000 | $ 116,111 | $ 105,000 |
| Akron, OH | 3 | $ 1,255,000 | $ 418,333 | $ 177,000 |
| Mansfield, OH | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| Monroe, MI | 3 | $ 95,000 | $ 31,666 | $ 78,000 |
| Battle Creek, MI | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| Homosassa Springs, FL | 2 | $ 200,000 | $ 100,000 | $ 36,000 |
| Kokomo, IN | 2 | $ 500,000 | $ 250,000 | $ 88,000 |
| Lexington-Fayette, KY | 2 | $ 380,000 | $ 190,000 | $ 84,000 |
| Muncie, IN | 2 | $ 310,000 | $ 155,000 | $ 109,000 |
| Bloomington, IN | 1 | $ 855,000 | $ 855,000 | $ 450,000 |
| Bowling Green, KY | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 495,000 | $ 495,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 345,000 | $ 345,000 | $ 746,000 |
| Charleston-North Charleston, SC | 1 | $ 615,000 | $ 615,000 | $ 262,000 |
| Chicago-Naperville, IL | 1 | $ 285,000 | $ 285,000 | $ 543,000 |
| Elkhart-Goshen, IN | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 765,000 | $ 765,000 | $ 425,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Jackson, MI | 1 | $ 355,000 | $ 355,000 | $ 260,000 |
| Lakeland-Winter Haven, FL | 1 | $ 125,000 | $ 125,000 | $ 141,000 |
| Lincoln, NE | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Madison, WI | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 615,000 | $ 615,000 | $ 400,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Raleigh, NC | 1 | $ 675,000 | $ 675,000 | $ 180,000 |
| Terre Haute, IN | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| Traverse City, MI | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 305,000 | $ 305,000 | $ 187,000 |
| Wilmington, NC | 1 | $ 145,000 | $ 145,000 | $ 209,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2025
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 | 2,198 | $656,810,000 | $298,000 | $7,975,000 | $135,000 | $2,437,000 |
| Refinancing | 325 | $91,505,000 | $281,000 | $11,505,000 | $193,000 | $7,268,000 |
| Home Improvement | 273 | $26,665,000 | $97,000 | $1,295,000 | $158,000 | $1,256,000 |
| Other Purpose | 124 | $11,980,000 | $96,000 | $725,000 | $140,000 | $1,179,000 |
| Cash-out Refinancing | 101 | $39,365,000 | $389,000 | $6,505,000 | $151,000 | $1,251,000 |
| 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 | 2,276 | $553,990,000 | $243,000 | $2,505,000 | $144,000 | $2,437,000 |
| Not Provided | 284 | $76,710,000 | $270,000 | $1,405,000 | $170,000 | $7,268,000 |
| Black or African American | 161 | $34,195,000 | $212,000 | $815,000 | $99,000 | $756,000 |
| Hispanic | 120 | $26,780,000 | $223,000 | $2,005,000 | $98,000 | $485,000 |
| Not applicable | 86 | $100,630,000 | $1,170,000 | $11,505,000 | $0 | $0 |
| Asian | 84 | $30,650,000 | $364,000 | $2,845,000 | $187,000 | $1,200,000 |
| American Indian or Alaskan Native | 9 | $2,935,000 | $326,000 | $805,000 | $159,000 | $603,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $300,000 | $300,000 |
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) | 2,679 | $749,375,000 | $279,000 | $11,505,000 | $152,000 | $7,268,000 |
| FHA-insured (Federal Housing Administration) | 285 | $59,395,000 | $208,000 | $505,000 | $75,000 | $390,000 |
| VA-guaranteed (Veterans Administration) | 39 | $13,635,000 | $349,000 | $1,035,000 | $131,000 | $547,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,920,000 | $217,000 | $395,000 | $92,000 | $469,000 |
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 | 1,380 | $379,200,000 | $274,000 | $7,975,000 | $168,000 | $7,268,000 |
| Preapproval Approved but not Accepted | 817 | $239,645,000 | $293,000 | $2,505,000 | $128,000 | $1,030,000 |
| Preapproval Denied by Financial Institution | 327 | $68,085,000 | $208,000 | $2,845,000 | $78,000 | $660,000 |
| Application Withdrawn By Applicant | 300 | $85,210,000 | $284,000 | $2,785,000 | $162,000 | $1,219,000 |
| Application Denied By Financial Institution | 154 | $28,310,000 | $183,000 | $3,005,000 | $105,000 | $504,000 |
| Application Approved But Not Accepted | 27 | $19,295,000 | $714,000 | $11,505,000 | $93,000 | $421,000 |
| File Closed For Incompleteness | 16 | $6,580,000 | $411,000 | $1,975,000 | $400,000 | $2,437,000 |
| 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 | 2,540 | $729,930,000 | $287,000 | $11,505,000 | $155,000 | $7,268,000 |
| Credit History | 199 | $30,945,000 | $155,000 | $1,035,000 | $80,000 | $547,000 |
| Debt-To-Income Ratio | 180 | $35,470,000 | $197,000 | $2,845,000 | $73,000 | $550,000 |
| Credit Application Incomplete | 59 | $17,915,000 | $303,000 | $2,005,000 | $149,000 | $660,000 |
| Collateral | 17 | $4,835,000 | $284,000 | $3,005,000 | $82,000 | $177,000 |
| Employment History | 15 | $3,355,000 | $223,000 | $645,000 | $62,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,430,000 | $607,000 | $1,315,000 | $198,000 | $301,000 |
| Unverifiable Information | 4 | $610,000 | $152,000 | $285,000 | $98,000 | $145,000 |
| Other | 3 | $835,000 | $278,000 | $535,000 | $122,000 | $223,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2025 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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with aggregated HMDA statistics today.
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