The State Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, The State Bank & Trust Company of Defiance, OH reported 3,303 mortgage applications totaling $807.0 million, down 30% from 2021. The average application was for $244,321, and applicants reported an average income of $136,906. 45% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (699), Toledo, OH (314) and Indianapolis-Carmel-Anderson, IN (87) (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 | 3,303 |
| Total Mortgage Loan Application Amount | $806,995,000 |
| Average Mortgage Loan Application Amount | $244,321 |
| Highest Mortgage Loan Application Amount | $3,985,000 |
| Average Applicant Income | $136,906 |
| Highest Applicant Income | $6,402,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 699 | $ 211,025,000 | $ 301,895 | $ 189,000 |
| Outside any metro area | 655 | $ 110,155,000 | $ 168,175 | $ 115,370 |
| Toledo, OH | 314 | $ 60,760,000 | $ 193,503 | $ 144,000 |
| Indianapolis-Carmel-Anderson, IN | 87 | $ 40,055,000 | $ 460,402 | $ 293,000 |
| Lima, OH | 72 | $ 9,820,000 | $ 136,388 | $ 100,000 |
| Fort Wayne, IN | 64 | $ 15,370,000 | $ 240,156 | $ 181,000 |
| Monroe, MI | 17 | $ 2,895,000 | $ 170,294 | $ 88,000 |
| Dayton-Springfield-Kettering, OH | 16 | $ 6,210,000 | $ 388,125 | $ 205,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 2,425,000 | $ 485,000 | $ 791,000 |
| Michigan City-La Porte, IN | 3 | $ 435,000 | $ 145,000 | $ 139,000 |
| Battle Creek, MI | 2 | $ 120,000 | $ 60,000 | $ 216,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 2,080,000 | $ 1,040,000 | $ 557,000 |
| Cincinnati, OH-KY-IN | 2 | $ 1,930,000 | $ 965,000 | $ 668,000 |
| Cleveland-Elyria, OH | 2 | $ 300,000 | $ 150,000 | $ 166,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,540,000 | $ 770,000 | $ 520,000 |
| Mansfield, OH | 2 | $ 510,000 | $ 255,000 | $ 85,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Bloomington, IN | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Charlottesville, VA | 1 | $ 225,000 | $ 225,000 | $ 422,000 |
| Chicago-Naperville, IL | 1 | $ 615,000 | $ 615,000 | $ 266,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Elkhart-Goshen, IN | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Flint, MI | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 555,000 | $ 555,000 | $ 128,000 |
| Jackson, MI | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
| Jacksonville, FL | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Knoxville, TN | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Lafayette-West Lafayette, IN | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Madison, WI | 1 | $ 515,000 | $ 515,000 | $ 148,000 |
| Memphis, TN-MS-AR | 1 | $ 725,000 | $ 725,000 | $ 391,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 345,000 | $ 345,000 | $ 170,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 835,000 | $ 835,000 | $ 644,000 |
| Panama City, FL | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Richmond, VA | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Sebring, FL | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Springfield, OH | 1 | $ 285,000 | $ 285,000 | $ 137,000 |
| St. Louis, MO-IL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 465,000 | $ 465,000 | $ 116,000 |
| Wheeling, WV-OH | 1 | $ 355,000 | $ 355,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2022
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 | 2,411 | $677,825,000 | $281,000 | $3,985,000 | $132,000 | $6,402,000 |
| Home Improvement | 295 | $24,635,000 | $83,000 | $825,000 | $156,000 | $3,382,000 |
| Refinancing | 230 | $42,850,000 | $186,000 | $1,645,000 | $150,000 | $1,030,000 |
| Cash-out Refinancing | 229 | $46,165,000 | $201,000 | $1,565,000 | $114,000 | $785,000 |
| Other Purpose | 138 | $15,520,000 | $112,000 | $1,685,000 | $198,000 | $3,764,000 |
| 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 | 2,356 | $545,260,000 | $231,000 | $3,985,000 | $135,000 | $5,667,000 |
| Not Provided | 603 | $163,135,000 | $270,000 | $1,575,000 | $137,000 | $1,500,000 |
| Black or African American | 116 | $23,670,000 | $204,000 | $1,685,000 | $93,000 | $903,000 |
| Hispanic | 88 | $18,300,000 | $207,000 | $825,000 | $109,000 | $951,000 |
| Not applicable | 69 | $27,985,000 | $405,000 | $2,205,000 | $0 | $0 |
| Asian | 55 | $24,415,000 | $443,000 | $2,205,000 | $326,000 | $6,402,000 |
| American Indian or Alaskan Native | 10 | $2,380,000 | $238,000 | $525,000 | $81,000 | $177,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
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) | 3,035 | $756,085,000 | $249,000 | $3,985,000 | $142,000 | $6,402,000 |
| FHA-insured (Federal Housing Administration) | 218 | $39,160,000 | $179,000 | $445,000 | $72,000 | $519,000 |
| VA-guaranteed (Veterans Administration) | 43 | $10,955,000 | $254,000 | $455,000 | $82,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $795,000 | $113,000 | $165,000 | $40,000 | $58,000 |
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 | 1,477 | $362,545,000 | $245,000 | $3,985,000 | $165,000 | $5,667,000 |
| Preapproval Approved but not Accepted | 994 | $269,210,000 | $270,000 | $1,605,000 | $115,000 | $1,700,000 |
| Preapproval Denied by Financial Institution | 341 | $64,705,000 | $189,000 | $1,505,000 | $67,000 | $900,000 |
| Application Withdrawn By Applicant | 243 | $62,265,000 | $256,000 | $2,205,000 | $142,000 | $971,000 |
| Application Denied By Financial Institution | 196 | $33,110,000 | $168,000 | $2,595,000 | $122,000 | $3,382,000 |
| File Closed For Incompleteness | 31 | $10,615,000 | $342,000 | $2,205,000 | $327,000 | $6,402,000 |
| Application Approved But Not Accepted | 21 | $4,545,000 | $216,000 | $825,000 | $114,000 | $298,000 |
| 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 | 2,766 | $709,180,000 | $256,000 | $3,985,000 | $146,000 | $6,402,000 |
| Credit History | 296 | $44,030,000 | $148,000 | $995,000 | $88,000 | $3,382,000 |
| Debt-To-Income Ratio | 139 | $27,465,000 | $197,000 | $1,505,000 | $51,000 | $437,000 |
| Credit Application Incomplete | 51 | $16,005,000 | $313,000 | $2,595,000 | $152,000 | $1,200,000 |
| Collateral | 28 | $5,930,000 | $211,000 | $1,865,000 | $129,000 | $979,000 |
| Employment History | 14 | $1,920,000 | $137,000 | $335,000 | $54,000 | $154,000 |
| Unverifiable Information | 4 | $790,000 | $197,000 | $325,000 | $167,000 | $241,000 |
| Other | 3 | $1,065,000 | $355,000 | $805,000 | $166,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $610,000 | $305,000 | $425,000 | $98,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2022 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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