The State Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, The State Bank & Trust Company of Defiance, OH reported 2,022 mortgage applications totaling $362.1 million, up 35% from 2014. The average application was for $179,103, and applicants reported an average income of $100,071. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (1,015), Toledo, OH (194) and Fort Wayne, IN (45) (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 | 2,022 |
| Total Mortgage Loan Application Amount | $362,147,000 |
| Average Mortgage Loan Application Amount | $179,103 |
| Highest Mortgage Loan Application Amount | $1,078,000 |
| Average Applicant Income | $100,071 |
| Highest Applicant Income | $1,248,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,015 | $ 216,069,000 | $ 212,875 | $ 115,000 |
| Toledo, OH | 194 | $ 28,579,000 | $ 147,314 | $ 83,000 |
| Fort Wayne, IN | 45 | $ 8,273,000 | $ 183,844 | $ 133,000 |
| Lima, OH | 30 | $ 4,978,000 | $ 165,933 | $ 109,000 |
| Monroe, MI | 7 | $ 1,295,000 | $ 185,000 | $ 133,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 1,019,000 | $ 203,800 | $ 94,400 |
| Dayton, OH | 4 | $ 1,003,000 | $ 250,750 | $ 114,000 |
| Springfield, OH | 4 | $ 818,000 | $ 204,500 | $ 96,000 |
| Cincinnati, OH-KY-IN | 3 | $ 670,000 | $ 223,333 | $ 147,000 |
| Cleveland-Elyria, OH | 3 | $ 766,000 | $ 255,333 | $ 277,000 |
| Jackson, MI | 3 | $ 735,000 | $ 245,000 | $ 143,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 666,000 | $ 222,000 | $ 110,000 |
| Battle Creek, MI | 2 | $ 122,000 | $ 61,000 | $ 27,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 600,000 | $ 300,000 | $ 344,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 691,000 | $ 345,500 | $ 169,000 |
| Harrisburg-Carlisle, PA | 2 | $ 600,000 | $ 300,000 | $ 331,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 970,000 | $ 485,000 | $ 123,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 340,000 | $ 170,000 | $ 307,000 |
| Akron, OH | 1 | $ 772,000 | $ 772,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 380,000 | $ 380,000 | $ 124,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 388,000 | $ 388,000 | $ 167,000 |
| Elkhart-Goshen, IN | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 209,000 | $ 209,000 | $ 87,000 |
| Kalamazoo-Portage, MI | 1 | $ 158,000 | $ 158,000 | $ 122,000 |
| Mansfield, OH | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Memphis, TN-MS-AR | 1 | $ 131,000 | $ 131,000 | $ 245,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 695,000 | $ 695,000 | $ 250,000 |
| Punta Gorda, FL | 1 | $ 827,000 | $ 827,000 | $ 381,000 |
| Raleigh, NC | 1 | $ 324,000 | $ 324,000 | $ 189,000 |
| Savannah, GA | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Sebastian-Vero Beach, FL | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Springfield, MA | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2015
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 | 1,458 | $262,842,000 | $180,000 | $1,078,000 | $96,000 | $1,248,000 |
| Refinancing | 542 | $96,667,000 | $178,000 | $825,000 | $112,000 | $975,000 |
| Home Improvement | 22 | $2,638,000 | $119,000 | $287,000 | $76,000 | $224,000 |
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 | 1,842 | $324,928,000 | $176,000 | $1,050,000 | $101,000 | $1,248,000 |
| Asian | 69 | $16,948,000 | $245,000 | $1,078,000 | $140,000 | $543,000 |
| Black or African American | 54 | $10,297,000 | $190,000 | $495,000 | $94,000 | $375,000 |
| Hispanic | 32 | $5,069,000 | $158,000 | $417,000 | $92,000 | $373,000 |
| Not applicable | 22 | $4,355,000 | $197,000 | $730,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $164,000 | $82,000 | $113,000 | $46,000 | $54,000 |
| Not Provided | 1 | $386,000 | $386,000 | $386,000 | $200,000 | $200,000 |
| 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) | 1,681 | $312,554,000 | $185,000 | $1,078,000 | $108,000 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 237 | $33,616,000 | $141,000 | $355,000 | $64,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $5,563,000 | $104,000 | $205,000 | $43,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 51 | $10,414,000 | $204,000 | $631,000 | $80,000 | $206,000 |
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 | 1,795 | $327,025,000 | $182,000 | $1,078,000 | $103,000 | $1,248,000 |
| Application Denied By Financial Institution | 81 | $11,824,000 | $145,000 | $714,000 | $75,000 | $360,000 |
| Application Withdrawn By Applicant | 67 | $9,541,000 | $142,000 | $560,000 | $88,000 | $528,000 |
| Application Approved But Not Accepted | 56 | $10,922,000 | $195,000 | $417,000 | $102,000 | $300,000 |
| Preapproval Denied by Financial Institution | 23 | $2,835,000 | $123,000 | $380,000 | $48,000 | $98,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2015 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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