The State Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, The State Bank & Trust Company of Defiance, OH reported 1,996 mortgage applications totaling $375.8 million, down 16% from 2016. The average application was for $188,291, and applicants reported an average income of $94,571. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (893), Toledo, OH (221) and Lima, OH (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 | 1,996 |
| Total Mortgage Loan Application Amount | $375,830,000 |
| Average Mortgage Loan Application Amount | $188,291 |
| Highest Mortgage Loan Application Amount | $4,440,000 |
| Average Applicant Income | $94,571 |
| Highest Applicant Income | $1,521,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 893 | $ 195,178,000 | $ 218,564 | $ 106,000 |
| Toledo, OH | 221 | $ 36,752,000 | $ 166,298 | $ 83,000 |
| Lima, OH | 54 | $ 7,103,000 | $ 131,537 | $ 72,000 |
| Monroe, MI | 49 | $ 8,465,000 | $ 172,755 | $ 86,000 |
| Fort Wayne, IN | 29 | $ 6,878,000 | $ 237,172 | $ 130,000 |
| Dayton, OH | 12 | $ 2,238,000 | $ 186,500 | $ 145,000 |
| Cleveland-Elyria, OH | 7 | $ 1,461,000 | $ 208,714 | $ 86,000 |
| Akron, OH | 6 | $ 1,557,000 | $ 259,500 | $ 64,000 |
| Cincinnati, OH-KY-IN | 6 | $ 2,439,000 | $ 406,500 | $ 194,000 |
| Springfield, OH | 5 | $ 970,000 | $ 194,000 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 740,000 | $ 185,000 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,323,000 | $ 441,000 | $ 461,000 |
| Asheville, NC | 1 | $ 384,000 | $ 384,000 | $ 1,521,000 |
| Austin-Round Rock, TX | 1 | $ 266,000 | $ 266,000 | $ 121,000 |
| Battle Creek, MI | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Canton-Massillon, OH | 1 | $ 88,000 | $ 88,000 | $ 104,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 192,000 | $ 192,000 | $ 221,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 167,000 | $ 167,000 | $ 248,000 |
| Elkhart-Goshen, IN | 1 | $ 4,342,000 | $ 4,342,000 | $ 0 |
| Erie, PA | 1 | $ 74,000 | $ 74,000 | $ 72,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 424,000 | $ 424,000 | $ 246,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 325,000 | $ 325,000 | $ 169,000 |
| Jacksonville, FL | 1 | $ 600,000 | $ 600,000 | $ 68,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Lafayette-West Lafayette, IN | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 500,000 | $ 500,000 | $ 142,000 |
| Mansfield, OH | 1 | $ 490,000 | $ 490,000 | $ 258,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Muncie, IN | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 750,000 | $ 750,000 | $ 495,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 350,000 | $ 350,000 | $ 252,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 153,000 | $ 153,000 | $ 516,000 |
| Panama City, FL | 1 | $ 389,000 | $ 389,000 | $ 162,000 |
| Provo-Orem, UT | 1 | $ 784,000 | $ 784,000 | $ 300,000 |
| Salt Lake City, UT | 1 | $ 336,000 | $ 336,000 | $ 124,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| The Villages, FL | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 352,000 | $ 352,000 | $ 574,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 383,000 | $ 383,000 | $ 266,000 |
| Wheeling, WV-OH | 1 | $ 185,000 | $ 185,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2017
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 | 1,534 | $288,162,000 | $187,000 | $4,440,000 | $91,000 | $773,000 |
| Refinancing | 440 | $84,535,000 | $192,000 | $4,342,000 | $107,000 | $1,521,000 |
| Home Improvement | 22 | $3,133,000 | $142,000 | $373,000 | $95,000 | $264,000 |
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 | 1,748 | $314,261,000 | $179,000 | $2,980,000 | $96,000 | $1,521,000 |
| Asian | 76 | $17,688,000 | $232,000 | $1,575,000 | $119,000 | $620,000 |
| Black or African American | 51 | $7,986,000 | $156,000 | $549,000 | $90,000 | $584,000 |
| Not Provided | 47 | $10,102,000 | $214,000 | $600,000 | $103,000 | $303,000 |
| Hispanic | 38 | $5,652,000 | $148,000 | $415,000 | $73,000 | $285,000 |
| Not applicable | 32 | $19,438,000 | $607,000 | $4,440,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $314,000 | $104,000 | $157,000 | $79,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $389,000 | $389,000 | $389,000 | $162,000 | $162,000 |
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) | 1,703 | $332,959,000 | $195,000 | $4,440,000 | $100,000 | $1,521,000 |
| FHA-insured (Federal Housing Administration) | 183 | $26,356,000 | $144,000 | $332,000 | $62,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $5,863,000 | $106,000 | $226,000 | $46,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 55 | $10,652,000 | $193,000 | $430,000 | $81,000 | $310,000 |
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 | 1,736 | $333,302,000 | $191,000 | $4,440,000 | $95,000 | $1,326,000 |
| Application Withdrawn By Applicant | 117 | $20,209,000 | $172,000 | $1,360,000 | $108,000 | $1,521,000 |
| Application Denied By Financial Institution | 73 | $9,840,000 | $134,000 | $391,000 | $64,000 | $296,000 |
| Application Approved But Not Accepted | 55 | $10,326,000 | $187,000 | $420,000 | $103,000 | $300,000 |
| File Closed For Incompleteness | 11 | $1,593,000 | $144,000 | $258,000 | $56,000 | $119,000 |
| Preapproval Denied by Financial Institution | 4 | $560,000 | $140,000 | $229,000 | $60,000 | $117,000 |
| 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 2017 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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