The State Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, The State Bank & Trust Company of Defiance, OH reported 2,591 mortgage applications totaling $566.4 million, up 23% from 2018. The average application was for $218,600, and applicants reported an average income of $112,176. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (1,116), Toledo, OH (352) and Lima, OH (60) (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 | 2,591 |
| Total Mortgage Loan Application Amount | $566,395,000 |
| Average Mortgage Loan Application Amount | $218,600 |
| Highest Mortgage Loan Application Amount | $6,225,000 |
| Average Applicant Income | $112,176 |
| Highest Applicant Income | $1,633,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,116 | $ 307,500,000 | $ 275,537 | $ 130,000 |
| Outside any metro area | 863 | $ 136,905,000 | $ 158,638 | $ 85,502 |
| Toledo, OH | 352 | $ 62,980,000 | $ 178,920 | $ 109,000 |
| Lima, OH | 60 | $ 8,110,000 | $ 135,166 | $ 94,000 |
| Indianapolis-Carmel-Anderson, IN | 42 | $ 9,300,000 | $ 221,428 | $ 95,000 |
| Monroe, MI | 42 | $ 8,450,000 | $ 201,190 | $ 105,000 |
| Fort Wayne, IN | 30 | $ 6,970,000 | $ 232,333 | $ 151,000 |
| Cleveland-Elyria, OH | 10 | $ 2,130,000 | $ 213,000 | $ 125,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 4,030,000 | $ 403,000 | $ 136,000 |
| Cincinnati, OH-KY-IN | 7 | $ 2,005,000 | $ 286,428 | $ 102,714 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,200,000 | $ 300,000 | $ 245,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,410,000 | $ 352,500 | $ 250,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,295,000 | $ 431,666 | $ 537,000 |
| Mansfield, OH | 3 | $ 365,000 | $ 121,666 | $ 87,000 |
| Michigan City-La Porte, IN | 3 | $ 415,000 | $ 138,333 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 625,000 | $ 208,333 | $ 107,000 |
| Punta Gorda, FL | 3 | $ 585,000 | $ 195,000 | $ 124,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 455,000 | $ 151,666 | $ 113,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 790,000 | $ 395,000 | $ 148,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 650,000 | $ 325,000 | $ 187,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 840,000 | $ 420,000 | $ 336,000 |
| Akron, OH | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Battle Creek, MI | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Birmingham-Hoover, AL | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Chicago-Naperville, IL | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 365,000 | $ 365,000 | $ 555,000 |
| Gary, IN | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 465,000 | $ 465,000 | $ 152,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 145,000 | $ 145,000 | $ 198,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Lansing-East Lansing, MI | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Midland, MI | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Providence-Warwick, RI-MA | 1 | $ 385,000 | $ 385,000 | $ 189,000 |
| Sebastian-Vero Beach, FL | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Springfield, OH | 1 | $ 365,000 | $ 365,000 | $ 238,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 335,000 | $ 335,000 | $ 1,371,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2019
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 | 1,696 | $367,200,000 | $216,000 | $6,225,000 | $106,000 | $1,633,000 |
| Refinancing | 524 | $131,370,000 | $250,000 | $2,105,000 | $133,000 | $1,129,000 |
| Cash-out Refinancing | 370 | $67,800,000 | $183,000 | $915,000 | $111,000 | $504,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,204 | $461,930,000 | $209,000 | $2,105,000 | $113,000 | $1,633,000 |
| Not Provided | 119 | $30,215,000 | $253,000 | $1,205,000 | $127,000 | $701,000 |
| Black or African American | 84 | $14,530,000 | $172,000 | $375,000 | $76,000 | $410,000 |
| Hispanic | 75 | $12,915,000 | $172,000 | $605,000 | $73,000 | $183,000 |
| Asian | 72 | $18,820,000 | $261,000 | $1,125,000 | $140,000 | $985,000 |
| Not applicable | 34 | $27,290,000 | $802,000 | $6,225,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $38,000 | $38,000 |
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) | 2,310 | $521,330,000 | $225,000 | $6,225,000 | $118,000 | $1,633,000 |
| FHA-insured (Federal Housing Administration) | 163 | $25,225,000 | $154,000 | $345,000 | $66,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 64 | $13,080,000 | $204,000 | $495,000 | $84,000 | $451,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,760,000 | $125,000 | $275,000 | $52,000 | $111,000 |
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 | 2,067 | $467,685,000 | $226,000 | $6,225,000 | $117,000 | $1,633,000 |
| Application Withdrawn By Applicant | 266 | $54,890,000 | $206,000 | $1,135,000 | $108,000 | $555,000 |
| Application Denied By Financial Institution | 155 | $29,015,000 | $187,000 | $1,205,000 | $90,000 | $538,000 |
| Preapproval Denied by Financial Institution | 87 | $10,975,000 | $126,000 | $385,000 | $54,000 | $172,000 |
| Application Approved But Not Accepted | 7 | $1,405,000 | $200,000 | $395,000 | $84,000 | $133,000 |
| File Closed For Incompleteness | 7 | $1,925,000 | $275,000 | $375,000 | $165,000 | $269,000 |
| Preapproval Approved but not Accepted | 2 | $500,000 | $250,000 | $305,000 | $115,000 | $115,000 |
| Loan Purchased By The Institution | 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 | 2,349 | $526,405,000 | $224,000 | $6,225,000 | $116,000 | $1,633,000 |
| Credit History | 98 | $11,490,000 | $117,000 | $305,000 | $56,000 | $208,000 |
| Collateral | 58 | $11,090,000 | $191,000 | $735,000 | $111,000 | $538,000 |
| Debt-To-Income Ratio | 45 | $7,175,000 | $159,000 | $385,000 | $57,000 | $142,000 |
| Credit Application Incomplete | 15 | $4,605,000 | $307,000 | $1,205,000 | $105,000 | $416,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,300,000 | $287,000 | $725,000 | $132,000 | $300,000 |
| Other | 7 | $1,395,000 | $199,000 | $435,000 | $114,000 | $214,000 |
| Unverifiable Information | 6 | $1,040,000 | $173,000 | $335,000 | $70,000 | $128,000 |
| Employment History | 5 | $895,000 | $179,000 | $385,000 | $55,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2019 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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