The State Bank & Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, The State Bank & Trust Company of Defiance, OH reported 2,529 mortgage applications totaling $600.1 million, down 23% from 2022. The average application was for $237,285, and applicants reported an average income of $131,595. 42% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (435), Indianapolis-Carmel-Anderson, IN (189) and Toledo, OH (185) (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 | 2,529 |
| Total Mortgage Loan Application Amount | $600,095,000 |
| Average Mortgage Loan Application Amount | $237,285 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $131,595 |
| Highest Applicant Income | $1,175,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 1,557 | $ 335,005,000 | $ 215,160 | $ 110,876 |
| Columbus, OH | 435 | $ 127,485,000 | $ 293,068 | $ 184,000 |
| Indianapolis-Carmel-Anderson, IN | 189 | $ 61,685,000 | $ 326,375 | $ 163,000 |
| Toledo, OH | 185 | $ 27,525,000 | $ 148,783 | $ 118,000 |
| Lima, OH | 54 | $ 14,040,000 | $ 260,000 | $ 91,000 |
| Fort Wayne, IN | 41 | $ 9,555,000 | $ 233,048 | $ 165,000 |
| Cleveland-Elyria, OH | 8 | $ 3,390,000 | $ 423,750 | $ 302,000 |
| Springfield, OH | 6 | $ 1,540,000 | $ 256,666 | $ 105,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,395,000 | $ 279,000 | $ 153,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 2,135,000 | $ 427,000 | $ 514,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 2,280,000 | $ 570,000 | $ 275,000 |
| Canton-Massillon, OH | 3 | $ 445,000 | $ 148,333 | $ 107,000 |
| Knoxville, TN | 3 | $ 965,000 | $ 321,666 | $ 223,000 |
| Monroe, MI | 3 | $ 655,000 | $ 218,333 | $ 130,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,780,000 | $ 1,390,000 | $ 346,000 |
| Jackson, MI | 2 | $ 260,000 | $ 130,000 | $ 453,000 |
| Muncie, IN | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Panama City, FL | 2 | $ 900,000 | $ 450,000 | $ 57,000 |
| Akron, OH | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Bloomington, IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Columbus, IN | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Elkhart-Goshen, IN | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 545,000 | $ 545,000 | $ 180,000 |
| Harrisburg-Carlisle, PA | 1 | $ 445,000 | $ 445,000 | $ 211,000 |
| Jacksonville, FL | 1 | $ 335,000 | $ 335,000 | $ 109,000 |
| Kalamazoo-Portage, MI | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Lynchburg, VA | 1 | $ 215,000 | $ 215,000 | $ 1,090,000 |
| Manchester-Nashua, NH | 1 | $ 725,000 | $ 725,000 | $ 250,000 |
| Mansfield, OH | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Michigan City-La Porte, IN | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 275,000 | $ 275,000 | $ 152,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 917,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Port St. Lucie, FL | 1 | $ 395,000 | $ 395,000 | $ 153,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 275,000 | $ 275,000 | $ 340,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 251,000 |
| Wilmington, NC | 1 | $ 185,000 | $ 185,000 | $ 360,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 305,000 | $ 305,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2023
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 | 2,051 | $547,425,000 | $266,000 | $3,005,000 | $129,000 | $1,175,000 |
| Home Improvement | 178 | $13,540,000 | $76,000 | $265,000 | $149,000 | $700,000 |
| Other Purpose | 119 | $11,055,000 | $92,000 | $705,000 | $150,000 | $816,000 |
| Refinancing | 112 | $15,810,000 | $141,000 | $2,205,000 | $152,000 | $548,000 |
| Cash-out Refinancing | 69 | $12,265,000 | $177,000 | $935,000 | $99,000 | $324,000 |
| 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 | 1,648 | $356,890,000 | $216,000 | $2,185,000 | $129,000 | $1,175,000 |
| Not Provided | 537 | $149,395,000 | $278,000 | $1,505,000 | $144,000 | $1,107,000 |
| Black or African American | 113 | $22,705,000 | $200,000 | $695,000 | $87,000 | $444,000 |
| Hispanic | 86 | $16,320,000 | $189,000 | $1,905,000 | $89,000 | $552,000 |
| Asian | 69 | $22,815,000 | $330,000 | $1,355,000 | $190,000 | $843,000 |
| Not applicable | 63 | $29,365,000 | $466,000 | $3,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $870,000 | $145,000 | $285,000 | $69,000 | $126,000 |
| 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) | 2,314 | $554,230,000 | $239,000 | $3,005,000 | $137,000 | $1,175,000 |
| FHA-insured (Federal Housing Administration) | 165 | $34,355,000 | $208,000 | $835,000 | $77,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 42 | $10,460,000 | $249,000 | $605,000 | $87,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,050,000 | $131,000 | $225,000 | $51,000 | $82,000 |
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 | 1,071 | $253,195,000 | $236,000 | $2,595,000 | $151,000 | $1,107,000 |
| Preapproval Approved but not Accepted | 764 | $203,200,000 | $265,000 | $1,355,000 | $125,000 | $1,175,000 |
| Preapproval Denied by Financial Institution | 338 | $66,500,000 | $196,000 | $2,185,000 | $82,000 | $1,175,000 |
| Application Withdrawn By Applicant | 187 | $49,915,000 | $266,000 | $1,475,000 | $164,000 | $839,000 |
| Application Denied By Financial Institution | 147 | $22,565,000 | $153,000 | $3,005,000 | $100,000 | $565,000 |
| Application Approved But Not Accepted | 14 | $3,460,000 | $247,000 | $605,000 | $206,000 | $446,000 |
| File Closed For Incompleteness | 8 | $1,260,000 | $157,000 | $385,000 | $66,000 | $184,000 |
| 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 | 2,044 | $511,030,000 | $250,000 | $2,595,000 | $142,000 | $1,175,000 |
| Credit History | 247 | $40,755,000 | $165,000 | $2,205,000 | $78,000 | $636,000 |
| Debt-To-Income Ratio | 149 | $26,355,000 | $176,000 | $1,445,000 | $70,000 | $733,000 |
| Credit Application Incomplete | 35 | $12,035,000 | $343,000 | $3,005,000 | $157,000 | $792,000 |
| Collateral | 31 | $4,445,000 | $143,000 | $725,000 | $135,000 | $565,000 |
| Employment History | 13 | $2,215,000 | $170,000 | $725,000 | $83,000 | $451,000 |
| Other | 6 | $2,730,000 | $455,000 | $2,185,000 | $337,000 | $1,175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $145,000 | $84,000 | $93,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2023 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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