The State Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, The State Bank & Trust Company of Defiance, OH reported 4,737 mortgage applications totaling $1.1 billion, down 15% from 2020. The average application was for $235,310, and applicants reported an average income of $117,152. 52% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (1,381), Toledo, OH (463) and Indianapolis-Carmel-Anderson, IN (136) (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 | 4,737 |
| Total Mortgage Loan Application Amount | $1,114,665,000 |
| Average Mortgage Loan Application Amount | $235,310 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $117,152 |
| Highest Applicant Income | $3,435,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,381 | $ 400,415,000 | $ 289,945 | $ 146,000 |
| Outside any metro area | 886 | $ 152,350,000 | $ 171,952 | $ 95,782 |
| Toledo, OH | 463 | $ 89,785,000 | $ 193,920 | $ 109,000 |
| Indianapolis-Carmel-Anderson, IN | 136 | $ 38,400,000 | $ 282,352 | $ 142,000 |
| Monroe, MI | 63 | $ 14,235,000 | $ 225,952 | $ 110,000 |
| Fort Wayne, IN | 58 | $ 15,650,000 | $ 269,827 | $ 181,000 |
| Lima, OH | 52 | $ 7,890,000 | $ 151,730 | $ 125,000 |
| Cleveland-Elyria, OH | 15 | $ 2,465,000 | $ 164,333 | $ 129,000 |
| Cincinnati, OH-KY-IN | 12 | $ 3,410,000 | $ 284,166 | $ 114,000 |
| Dayton-Springfield-Kettering, OH | 11 | $ 5,945,000 | $ 540,454 | $ 210,000 |
| Mansfield, OH | 9 | $ 3,705,000 | $ 411,666 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,605,000 | $ 321,000 | $ 151,000 |
| Jackson, MI | 5 | $ 1,445,000 | $ 289,000 | $ 263,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 1,225,000 | $ 245,000 | $ 183,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,070,000 | $ 517,500 | $ 798,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 610,000 | $ 152,500 | $ 74,000 |
| Akron, OH | 3 | $ 615,000 | $ 205,000 | $ 92,000 |
| Chicago-Naperville, IL | 3 | $ 2,825,000 | $ 941,666 | $ 594,000 |
| Michigan City-La Porte, IN | 3 | $ 555,000 | $ 185,000 | $ 168,000 |
| Muncie, IN | 3 | $ 325,000 | $ 108,333 | $ 144,000 |
| Columbus, IN | 2 | $ 250,000 | $ 125,000 | $ 246,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 480,000 | $ 240,000 | $ 148,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 380,000 | $ 190,000 | $ 117,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,690,000 | $ 845,000 | $ 253,000 |
| Jacksonville, FL | 2 | $ 950,000 | $ 475,000 | $ 189,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 730,000 | $ 365,000 | $ 255,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 530,000 | $ 265,000 | $ 115,500 |
| Springfield, OH | 2 | $ 430,000 | $ 215,000 | $ 193,000 |
| Battle Creek, MI | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Canton-Massillon, OH | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Danville, IL | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 505,000 | $ 505,000 | $ 229,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Jackson, MS | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Kalamazoo-Portage, MI | 1 | $ 305,000 | $ 305,000 | $ 159,000 |
| Lafayette-West Lafayette, IN | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 965,000 | $ 965,000 | $ 331,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 585,000 | $ 585,000 | $ 134,000 |
| Panama City, FL | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Port St. Lucie, FL | 1 | $ 475,000 | $ 475,000 | $ 490,000 |
| Richmond, VA | 1 | $ 525,000 | $ 525,000 | $ 165,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 3,435,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| The Villages, FL | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 45,000 | $ 45,000 | $ 598,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2021
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 | 3,054 | $746,720,000 | $244,000 | $2,235,000 | $110,000 | $3,435,000 |
| Refinancing | 1,049 | $236,465,000 | $225,000 | $1,915,000 | $134,000 | $1,980,000 |
| Cash-out Refinancing | 591 | $125,155,000 | $211,000 | $1,105,000 | $124,000 | $1,202,000 |
| Home Improvement | 34 | $4,830,000 | $142,000 | $555,000 | $123,000 | $606,000 |
| Other Purpose | 9 | $1,495,000 | $166,000 | $405,000 | $109,000 | $195,000 |
| Not Applicable | 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 | 3,563 | $842,125,000 | $236,000 | $2,235,000 | $120,000 | $1,626,000 |
| Not Provided | 667 | $156,435,000 | $234,000 | $1,245,000 | $117,000 | $3,435,000 |
| Black or African American | 204 | $36,680,000 | $179,000 | $725,000 | $71,000 | $329,000 |
| Hispanic | 132 | $25,900,000 | $196,000 | $1,305,000 | $83,000 | $533,000 |
| Asian | 94 | $29,370,000 | $312,000 | $1,205,000 | $154,000 | $1,282,000 |
| Not applicable | 57 | $18,015,000 | $316,000 | $1,915,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $3,545,000 | $272,000 | $705,000 | $174,000 | $598,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $175,000 | $26,000 | $32,000 |
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) | 4,312 | $1,039,000,000 | $240,000 | $2,235,000 | $122,000 | $3,435,000 |
| FHA-insured (Federal Housing Administration) | 328 | $52,250,000 | $159,000 | $395,000 | $60,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 77 | $20,405,000 | $265,000 | $585,000 | $87,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,010,000 | $150,000 | $235,000 | $50,000 | $71,000 |
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 | 2,459 | $598,855,000 | $243,000 | $1,915,000 | $131,000 | $1,980,000 |
| Preapproval Approved but not Accepted | 1,132 | $281,180,000 | $248,000 | $1,425,000 | $107,000 | $1,282,000 |
| Preapproval Denied by Financial Institution | 445 | $74,875,000 | $168,000 | $1,265,000 | $64,000 | $960,000 |
| Application Withdrawn By Applicant | 391 | $97,555,000 | $249,000 | $1,055,000 | $133,000 | $3,435,000 |
| Application Denied By Financial Institution | 235 | $46,215,000 | $196,000 | $2,235,000 | $104,000 | $1,202,000 |
| File Closed For Incompleteness | 60 | $11,380,000 | $189,000 | $1,385,000 | $88,000 | $276,000 |
| Application Approved But Not Accepted | 15 | $4,605,000 | $307,000 | $785,000 | $222,000 | $772,000 |
| 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 | 4,057 | $993,575,000 | $244,000 | $1,915,000 | $124,000 | $3,435,000 |
| Credit History | 457 | $69,985,000 | $153,000 | $835,000 | $68,000 | $960,000 |
| Debt-To-Income Ratio | 123 | $27,315,000 | $222,000 | $1,265,000 | $60,000 | $256,000 |
| Collateral | 44 | $11,090,000 | $252,000 | $1,105,000 | $178,000 | $1,202,000 |
| Credit Application Incomplete | 23 | $4,545,000 | $197,000 | $555,000 | $139,000 | $1,202,000 |
| Employment History | 15 | $4,945,000 | $329,000 | $2,235,000 | $92,000 | $451,000 |
| Other | 10 | $1,360,000 | $136,000 | $485,000 | $120,000 | $598,000 |
| Unverifiable Information | 5 | $955,000 | $191,000 | $385,000 | $84,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $895,000 | $298,000 | $545,000 | $124,000 | $239,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2021 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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