The State Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, The State Bank & Trust Company of Defiance, OH reported 2,376 mortgage applications totaling $430.8 million, up 18% from 2015. The average application was for $181,329, and applicants reported an average income of $101,207. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Columbus, OH (1,069), Toledo, OH (236) and Monroe, MI (54) (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 | 2,376 |
| Total Mortgage Loan Application Amount | $430,838,000 |
| Average Mortgage Loan Application Amount | $181,329 |
| Highest Mortgage Loan Application Amount | $2,295,000 |
| Average Applicant Income | $101,207 |
| Highest Applicant Income | $1,929,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,069 | $ 231,271,000 | $ 216,343 | $ 113,000 |
| Toledo, OH | 236 | $ 38,295,000 | $ 162,266 | $ 96,000 |
| Monroe, MI | 54 | $ 10,138,000 | $ 187,740 | $ 101,000 |
| Lima, OH | 51 | $ 5,985,000 | $ 117,352 | $ 79,000 |
| Fort Wayne, IN | 43 | $ 7,746,000 | $ 180,139 | $ 93,000 |
| Cleveland-Elyria, OH | 10 | $ 1,701,000 | $ 170,100 | $ 124,000 |
| Dayton, OH | 7 | $ 1,208,000 | $ 172,571 | $ 132,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,938,000 | $ 323,000 | $ 182,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,899,000 | $ 379,800 | $ 573,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 748,000 | $ 249,333 | $ 91,333 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 958,000 | $ 319,333 | $ 313,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 439,000 | $ 146,333 | $ 116,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 582,000 | $ 194,000 | $ 130,000 |
| Akron, OH | 2 | $ 383,000 | $ 191,500 | $ 85,000 |
| Canton-Massillon, OH | 2 | $ 262,000 | $ 131,000 | $ 31,000 |
| Elkhart-Goshen, IN | 2 | $ 372,000 | $ 186,000 | $ 90,000 |
| Jackson, MI | 2 | $ 419,000 | $ 209,500 | $ 285,000 |
| Ann Arbor, MI | 1 | $ 89,000 | $ 89,000 | $ 266,000 |
| Battle Creek, MI | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 398,000 | $ 398,000 | $ 349,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 275,000 | $ 275,000 | $ 137,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 287,000 | $ 287,000 | $ 258,000 |
| Jacksonville, FL | 1 | $ 213,000 | $ 213,000 | $ 117,000 |
| Lafayette-West Lafayette, IN | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Lakeland-Winter Haven, FL | 1 | $ 108,000 | $ 108,000 | $ 116,000 |
| Lansing-East Lansing, MI | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Mansfield, OH | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 333,000 | $ 333,000 | $ 193,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 417,000 | $ 417,000 | $ 871,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Port St. Lucie, FL | 1 | $ 567,000 | $ 567,000 | $ 449,000 |
| Sebastian-Vero Beach, FL | 1 | $ 443,000 | $ 443,000 | $ 176,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Springfield, OH | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2016
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 | 1,713 | $302,690,000 | $176,000 | $2,295,000 | $94,000 | $1,780,000 |
| Refinancing | 632 | $123,894,000 | $196,000 | $1,450,000 | $121,000 | $1,929,000 |
| Home Improvement | 31 | $4,254,000 | $137,000 | $360,000 | $96,000 | $430,000 |
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 | 2,119 | $385,723,000 | $182,000 | $2,295,000 | $103,000 | $1,929,000 |
| Asian | 103 | $20,050,000 | $194,000 | $812,000 | $118,000 | $871,000 |
| Black or African American | 70 | $11,903,000 | $170,000 | $505,000 | $74,000 | $213,000 |
| Hispanic | 44 | $5,728,000 | $130,000 | $428,000 | $70,000 | $212,000 |
| Not applicable | 22 | $4,233,000 | $192,000 | $1,000,000 | $0 | $0 |
| Not Provided | 14 | $2,761,000 | $197,000 | $680,000 | $107,000 | $445,000 |
| American Indian or Alaskan Native | 4 | $440,000 | $110,000 | $122,000 | $74,000 | $126,000 |
| Native Hawaiin 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) | 1,992 | $376,932,000 | $189,000 | $2,295,000 | $109,000 | $1,929,000 |
| FHA-insured (Federal Housing Administration) | 255 | $34,577,000 | $135,000 | $322,000 | $59,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 72 | $13,886,000 | $192,000 | $431,000 | $79,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $5,443,000 | $95,000 | $205,000 | $43,000 | $73,000 |
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 | 2,081 | $384,813,000 | $184,000 | $2,295,000 | $104,000 | $1,929,000 |
| Application Withdrawn By Applicant | 101 | $15,708,000 | $155,000 | $651,000 | $91,000 | $550,000 |
| Application Denied By Financial Institution | 83 | $10,095,000 | $121,000 | $669,000 | $55,000 | $207,000 |
| Application Approved But Not Accepted | 80 | $16,338,000 | $204,000 | $893,000 | $103,000 | $406,000 |
| Preapproval Denied by Financial Institution | 31 | $3,884,000 | $125,000 | $410,000 | $51,000 | $196,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2016 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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