The State Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, The State Bank & Trust Company of Defiance, OH reported 2,112 mortgage applications totaling $410.0 million, up 6% from 2017. The average application was for $194,147, and applicants reported an average income of $105,256. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (930), Toledo, OH (212) and Lima, OH (61) (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 | 2,112 |
| Total Mortgage Loan Application Amount | $410,040,000 |
| Average Mortgage Loan Application Amount | $194,147 |
| Highest Mortgage Loan Application Amount | $1,945,000 |
| Average Applicant Income | $105,256 |
| Highest Applicant Income | $3,103,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 930 | $ 217,040,000 | $ 233,376 | $ 119,000 |
| Outside any metro area | 770 | $ 114,410,000 | $ 148,584 | $ 85,020 |
| Toledo, OH | 212 | $ 36,150,000 | $ 170,518 | $ 106,000 |
| Lima, OH | 61 | $ 9,705,000 | $ 159,098 | $ 107,000 |
| Monroe, MI | 35 | $ 7,645,000 | $ 218,428 | $ 98,000 |
| Fort Wayne, IN | 29 | $ 5,745,000 | $ 198,103 | $ 118,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,630,000 | $ 271,666 | $ 95,000 |
| Dayton, OH | 5 | $ 1,425,000 | $ 285,000 | $ 112,000 |
| Springfield, OH | 5 | $ 1,235,000 | $ 247,000 | $ 140,000 |
| Cleveland-Elyria, OH | 4 | $ 490,000 | $ 122,500 | $ 154,000 |
| Mansfield, OH | 4 | $ 760,000 | $ 190,000 | $ 83,000 |
| Raleigh, NC | 3 | $ 785,000 | $ 261,666 | $ 133,000 |
| Canton-Massillon, OH | 2 | $ 230,000 | $ 115,000 | $ 78,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 410,000 | $ 205,000 | $ 72,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,290,000 | $ 1,145,000 | $ 520,000 |
| Pittsburgh, PA | 2 | $ 510,000 | $ 255,000 | $ 106,000 |
| Boise City, ID | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Clarksville, TN-KY | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Dallas-Plano-Irving, TX | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 285,000 | $ 285,000 | $ 114,000 |
| Fort Collins, CO | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Gary, IN | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 665,000 | $ 665,000 | $ 318,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Jacksonville, FL | 1 | $ 1,425,000 | $ 1,425,000 | $ 840,000 |
| Kalamazoo-Portage, MI | 1 | $ 125,000 | $ 125,000 | $ 270,000 |
| Knoxville, TN | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 405,000 | $ 405,000 | $ 689,000 |
| Michigan City-La Porte, IN | 1 | $ 85,000 | $ 85,000 | $ 187,000 |
| Muncie, IN | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 455,000 | $ 455,000 | $ 468,000 |
| Providence-Warwick, RI-MA | 1 | $ 385,000 | $ 385,000 | $ 187,000 |
| Richmond, VA | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Wheeling, WV-OH | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2018
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 | 1,757 | $347,805,000 | $197,000 | $1,945,000 | $104,000 | $3,103,000 |
| Cash-out Refinancing | 190 | $30,460,000 | $160,000 | $875,000 | $100,000 | $600,000 |
| Refinancing | 155 | $30,775,000 | $198,000 | $1,065,000 | $127,000 | $859,000 |
| Other Purpose | 7 | $855,000 | $122,000 | $455,000 | $96,000 | $195,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $55,000 | $86,000 | $132,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
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 | 1,733 | $330,495,000 | $190,000 | $1,785,000 | $105,000 | $3,103,000 |
| Not Provided | 161 | $36,935,000 | $229,000 | $1,425,000 | $135,000 | $1,129,000 |
| Black or African American | 67 | $11,145,000 | $166,000 | $405,000 | $71,000 | $229,000 |
| Hispanic | 55 | $8,275,000 | $150,000 | $455,000 | $90,000 | $279,000 |
| Asian | 52 | $10,780,000 | $207,000 | $495,000 | $94,000 | $468,000 |
| Not applicable | 40 | $11,390,000 | $284,000 | $1,945,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $895,000 | $298,000 | $525,000 | $97,000 | $188,000 |
| 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) | 1,837 | $366,665,000 | $199,000 | $1,945,000 | $112,000 | $3,103,000 |
| FHA-insured (Federal Housing Administration) | 169 | $26,425,000 | $156,000 | $345,000 | $67,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,325,000 | $202,000 | $525,000 | $76,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $4,625,000 | $102,000 | $275,000 | $44,000 | $79,000 |
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 | 1,735 | $344,715,000 | $198,000 | $1,945,000 | $108,000 | $3,103,000 |
| Application Withdrawn By Applicant | 264 | $46,350,000 | $175,000 | $1,425,000 | $100,000 | $840,000 |
| Application Denied By Financial Institution | 90 | $14,460,000 | $160,000 | $805,000 | $76,000 | $309,000 |
| Preapproval Denied by Financial Institution | 9 | $715,000 | $79,000 | $145,000 | $43,000 | $103,000 |
| Application Approved But Not Accepted | 8 | $1,890,000 | $236,000 | $755,000 | $108,000 | $195,000 |
| File Closed For Incompleteness | 6 | $1,910,000 | $318,000 | $965,000 | $201,000 | $767,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,013 | $394,865,000 | $196,000 | $1,945,000 | $107,000 | $3,103,000 |
| Debt-To-Income Ratio | 27 | $4,465,000 | $165,000 | $525,000 | $55,000 | $166,000 |
| Collateral | 25 | $4,175,000 | $167,000 | $805,000 | $81,000 | $232,000 |
| Credit History | 21 | $2,265,000 | $107,000 | $305,000 | $66,000 | $140,000 |
| Other | 12 | $1,320,000 | $110,000 | $305,000 | $96,000 | $309,000 |
| Credit Application Incomplete | 6 | $1,560,000 | $260,000 | $395,000 | $115,000 | $246,000 |
| Unverifiable Information | 3 | $505,000 | $168,000 | $395,000 | $51,000 | $95,000 |
| Employment History | 3 | $685,000 | $228,000 | $435,000 | $103,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $125,000 | $50,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2018 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.
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with aggregated HMDA statistics today.
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