The State Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, The State Bank & Trust Company of Defiance, OH reported 2,559 mortgage applications totaling $403.2 million, up 36% from 2011. The average application was for $157,562, and applicants reported an average income of $91,184. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Columbus, OH (1,035), Toledo, OH (302) and Lima, OH (145) (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 | 2,559 |
| Total Mortgage Loan Application Amount | $403,202,000 |
| Average Mortgage Loan Application Amount | $157,562 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $91,184 |
| Highest Applicant Income | $1,135,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbus, OH | 1,035 | $ 199,513,000 | $ 192,766 | $ 102,000 |
| Toledo, OH | 302 | $ 41,418,000 | $ 137,145 | $ 83,000 |
| Lima, OH | 145 | $ 16,424,000 | $ 113,268 | $ 86,000 |
| Fort Wayne, IN | 119 | $ 14,897,000 | $ 125,184 | $ 85,000 |
| Monroe, MI | 13 | $ 1,896,000 | $ 145,846 | $ 116,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,096,000 | $ 182,666 | $ 70,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 903,000 | $ 180,600 | $ 120,000 |
| Dayton, OH | 5 | $ 1,225,000 | $ 245,000 | $ 162,000 |
| Indianapolis-Carmel, IN | 5 | $ 777,000 | $ 155,400 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,748,000 | $ 582,666 | $ 559,000 |
| Punta Gorda, FL | 3 | $ 386,000 | $ 128,666 | $ 78,000 |
| Elkhart-Goshen, IN | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Kalamazoo-Portage, MI | 2 | $ 407,000 | $ 203,500 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 460,000 | $ 230,000 | $ 117,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 366,000 | $ 183,000 | $ 73,000 |
| Sandusky, OH | 2 | $ 428,000 | $ 214,000 | $ 44,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 453,000 | $ 226,500 | $ 81,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 499,000 | $ 249,500 | $ 150,000 |
| Ann Arbor, MI | 1 | $ 204,000 | $ 204,000 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 174,000 | $ 174,000 | $ 119,000 |
| Bloomington, IN | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Brunswick, GA | 1 | $ 354,000 | $ 354,000 | $ 195,000 |
| Fort Worth-Arlington, TX | 1 | $ 109,000 | $ 109,000 | $ 77,000 |
| Jacksonville, FL | 1 | $ 163,000 | $ 163,000 | $ 91,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 256,000 | $ 256,000 | $ 446,000 |
| Mansfield, OH | 1 | $ 41,000 | $ 41,000 | $ 73,000 |
| Naples-Marco Island, FL | 1 | $ 417,000 | $ 417,000 | $ 289,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 313,000 | $ 313,000 | $ 76,000 |
| Provo-Orem, UT | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Springfield, OH | 1 | $ 262,000 | $ 262,000 | $ 162,000 |
| Tucson, AZ | 1 | $ 725,000 | $ 725,000 | $ 737,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 307,000 | $ 307,000 | $ 961,000 |
| Wilmington, NC | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,606 | $255,790,000 | $159,000 | $1,214,000 | $98,000 | $961,000 |
| Home Purchase | 931 | $145,104,000 | $155,000 | $1,250,000 | $80,000 | $1,135,000 |
| Home Improvement | 22 | $2,308,000 | $104,000 | $220,000 | $67,000 | $236,000 |
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 | 2,393 | $369,093,000 | $154,000 | $1,214,000 | $91,000 | $1,135,000 |
| Asian | 59 | $13,681,000 | $231,000 | $590,000 | $154,000 | $961,000 |
| Black or African American | 43 | $5,986,000 | $139,000 | $464,000 | $67,000 | $242,000 |
| Hispanic | 29 | $3,056,000 | $105,000 | $496,000 | $58,000 | $163,000 |
| Not applicable | 23 | $10,140,000 | $440,000 | $1,250,000 | $0 | $0 |
| Not Provided | 9 | $426,000 | $47,000 | $129,000 | $51,000 | $165,000 |
| American Indian or Alaskan Native | 2 | $679,000 | $339,000 | $403,000 | $185,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $141,000 | $141,000 | $141,000 | $73,000 | $73,000 |
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) | 2,119 | $348,775,000 | $164,000 | $1,250,000 | $98,000 | $1,135,000 |
| FHA-insured (Federal Housing Administration) | 323 | $39,501,000 | $122,000 | $337,000 | $57,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 60 | $9,872,000 | $164,000 | $464,000 | $73,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $5,054,000 | $88,000 | $202,000 | $35,000 | $69,000 |
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 | 2,124 | $349,481,000 | $164,000 | $1,250,000 | $96,000 | $1,135,000 |
| Application Denied By Financial Institution | 179 | $20,676,000 | $115,000 | $464,000 | $59,000 | $303,000 |
| Application Withdrawn By Applicant | 118 | $19,404,000 | $164,000 | $893,000 | $82,000 | $332,000 |
| Preapproval Denied by Financial Institution | 87 | $7,717,000 | $88,000 | $232,000 | $42,000 | $101,000 |
| Application Approved But Not Accepted | 48 | $5,657,000 | $117,000 | $375,000 | $72,000 | $191,000 |
| File Closed For Incompleteness | 2 | $158,000 | $79,000 | $82,000 | $34,000 | $42,000 |
| Loan Purchased By The Institution | 1 | $109,000 | $109,000 | $109,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2012 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.
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