The State Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, The State Bank & Trust Company of Defiance, OH reported 1,971 mortgage applications totaling $304.2 million, down 23% from 2012. The average application was for $154,345, and applicants reported an average income of $87,651. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (900), Toledo, OH (240) and Lima, OH (86) (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 | 1,971 |
| Total Mortgage Loan Application Amount | $304,214,000 |
| Average Mortgage Loan Application Amount | $154,345 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $87,651 |
| Highest Applicant Income | $978,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 900 | $ 173,864,000 | $ 193,182 | $ 103,000 |
| Toledo, OH | 240 | $ 29,151,000 | $ 121,462 | $ 76,000 |
| Lima, OH | 86 | $ 8,318,000 | $ 96,720 | $ 73,000 |
| Fort Wayne, IN | 56 | $ 8,792,000 | $ 157,000 | $ 88,000 |
| Monroe, MI | 8 | $ 1,869,000 | $ 233,625 | $ 134,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 629,000 | $ 157,250 | $ 66,000 |
| Dayton, OH | 4 | $ 480,000 | $ 120,000 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 515,000 | $ 171,666 | $ 113,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 576,000 | $ 288,000 | $ 423,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 547,000 | $ 273,500 | $ 304,000 |
| Indianapolis-Carmel, IN | 2 | $ 311,000 | $ 155,500 | $ 152,000 |
| Naples-Marco Island, FL | 2 | $ 1,058,000 | $ 529,000 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 420,000 | $ 210,000 | $ 251,000 |
| Punta Gorda, FL | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| Battle Creek, MI | 1 | $ 66,000 | $ 66,000 | $ 24,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 254,000 | $ 254,000 | $ 202,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 333,000 | $ 333,000 | $ 135,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 150,000 | $ 150,000 | $ 148,000 |
| Flagstaff, AZ | 1 | $ 390,000 | $ 390,000 | $ 191,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 160,000 | $ 160,000 | $ 170,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 108,000 | $ 108,000 | $ 189,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Jackson, MI | 1 | $ 304,000 | $ 304,000 | $ 89,000 |
| Knoxville, TN | 1 | $ 276,000 | $ 276,000 | $ 496,000 |
| Mansfield, OH | 1 | $ 214,000 | $ 214,000 | $ 137,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 304,000 | $ 304,000 | $ 191,000 |
| Springfield, OH | 1 | $ 246,000 | $ 246,000 | $ 169,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 238,000 | $ 238,000 | $ 92,000 |
| Wheeling, WV-OH | 1 | $ 99,000 | $ 99,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2013
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 | 1,162 | $182,969,000 | $157,000 | $1,301,000 | $85,000 | $697,000 |
| Refinancing | 786 | $119,398,000 | $151,000 | $2,400,000 | $92,000 | $978,000 |
| Home Improvement | 23 | $1,847,000 | $80,000 | $200,000 | $73,000 | $250,000 |
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 | 1,822 | $278,671,000 | $152,000 | $2,400,000 | $89,000 | $978,000 |
| Black or African American | 53 | $8,491,000 | $160,000 | $959,000 | $72,000 | $243,000 |
| Hispanic | 34 | $3,494,000 | $102,000 | $322,000 | $67,000 | $269,000 |
| Asian | 28 | $5,283,000 | $188,000 | $400,000 | $170,000 | $692,000 |
| Not applicable | 23 | $6,829,000 | $296,000 | $1,440,000 | $0 | $0 |
| Not Provided | 7 | $702,000 | $100,000 | $158,000 | $66,000 | $156,000 |
| American Indian or Alaskan Native | 2 | $391,000 | $195,000 | $231,000 | $90,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $353,000 | $176,000 | $243,000 | $26,000 | $53,000 |
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) | 1,547 | $251,019,000 | $162,000 | $2,400,000 | $96,000 | $978,000 |
| FHA-insured (Federal Housing Administration) | 280 | $36,131,000 | $129,000 | $347,000 | $60,000 | $355,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $8,096,000 | $88,000 | $219,000 | $37,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 52 | $8,968,000 | $172,000 | $342,000 | $77,000 | $202,000 |
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 | 1,578 | $257,059,000 | $162,000 | $2,400,000 | $93,000 | $978,000 |
| Application Denied By Financial Institution | 126 | $14,999,000 | $119,000 | $1,301,000 | $67,000 | $449,000 |
| Application Withdrawn By Applicant | 103 | $13,513,000 | $131,000 | $400,000 | $72,000 | $273,000 |
| Preapproval Denied by Financial Institution | 95 | $8,136,000 | $85,000 | $240,000 | $42,000 | $143,000 |
| Application Approved But Not Accepted | 65 | $10,214,000 | $157,000 | $403,000 | $87,000 | $277,000 |
| File Closed For Incompleteness | 4 | $293,000 | $73,000 | $124,000 | $79,000 | $144,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 2013 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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