The State Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, The State Bank & Trust Company of Defiance, OH reported 2,761 mortgage applications totaling $713.3 million, up 9% from 2023. The average application was for $258,350, and applicants reported an average income of $132,496. 45% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (470), Indianapolis-Carmel-Anderson, IN (253) and Toledo, OH (204) (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 | 2,761 |
| Total Mortgage Loan Application Amount | $713,305,000 |
| Average Mortgage Loan Application Amount | $258,350 |
| Highest Mortgage Loan Application Amount | $10,965,000 |
| Average Applicant Income | $132,496 |
| Highest Applicant Income | $2,379,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,629 | $ 360,715,000 | $ 221,433 | $ 111,096 |
| Columbus, OH | 470 | $ 181,090,000 | $ 385,297 | $ 184,000 |
| Indianapolis-Carmel-Anderson, IN | 253 | $ 74,815,000 | $ 295,711 | $ 160,000 |
| Toledo, OH | 204 | $ 35,960,000 | $ 176,274 | $ 116,000 |
| Lima, OH | 62 | $ 13,390,000 | $ 215,967 | $ 123,000 |
| Fort Wayne, IN | 41 | $ 14,995,000 | $ 365,731 | $ 141,000 |
| Cincinnati, OH-KY-IN | 22 | $ 8,320,000 | $ 378,181 | $ 106,090 |
| Sandusky, OH | 11 | $ 3,425,000 | $ 311,363 | $ 254,000 |
| Monroe, MI | 8 | $ 1,780,000 | $ 222,500 | $ 123,000 |
| Cleveland, OH | 6 | $ 1,010,000 | $ 168,333 | $ 212,000 |
| Springfield, OH | 5 | $ 1,065,000 | $ 213,000 | $ 139,000 |
| Akron, OH | 4 | $ 2,380,000 | $ 595,000 | $ 174,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 705,000 | $ 235,000 | $ 333,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 515,000 | $ 171,666 | $ 245,000 |
| Kokomo, IN | 3 | $ 465,000 | $ 155,000 | $ 50,000 |
| Michigan City-La Porte, IN | 3 | $ 1,045,000 | $ 348,333 | $ 206,000 |
| Muncie, IN | 3 | $ 495,000 | $ 165,000 | $ 106,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 760,000 | $ 380,000 | $ 354,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,250,000 | $ 625,000 | $ 227,000 |
| Mansfield, OH | 2 | $ 640,000 | $ 320,000 | $ 114,000 |
| Battle Creek, MI | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Bloomington, IN | 1 | $ 535,000 | $ 535,000 | $ 128,000 |
| Boston, MA | 1 | $ 605,000 | $ 605,000 | $ 216,000 |
| Burlington, NC | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Canton-Massillon, OH | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Chattanooga, TN-GA | 1 | $ 265,000 | $ 265,000 | $ 224,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 385,000 | $ 385,000 | $ 209,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 485,000 | $ 485,000 | $ 482,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 685,000 | $ 685,000 | $ 320,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Jackson, MI | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Jacksonville, FL | 1 | $ 665,000 | $ 665,000 | $ 904,000 |
| Knoxville, TN | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Lexington-Fayette, KY | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 315,000 | $ 315,000 | $ 267,000 |
| Marietta, GA | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 385,000 | $ 385,000 | $ 174,000 |
| Panama City, FL | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Providence-Warwick, RI-MA | 1 | $ 305,000 | $ 305,000 | $ 700,000 |
| Savannah, GA | 1 | $ 365,000 | $ 365,000 | $ 221,000 |
| Sebastian-Vero Beach, FL | 1 | $ 535,000 | $ 535,000 | $ 289,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 445,000 | $ 445,000 | $ 377,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Waterbury-Shelton, CT | 1 | $ 455,000 | $ 455,000 | $ 195,000 |
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2024
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 | 2,172 | $603,670,000 | $277,000 | $10,965,000 | $129,000 | $2,379,000 |
| Home Improvement | 204 | $24,520,000 | $120,000 | $9,605,000 | $129,000 | $1,424,000 |
| Refinancing | 174 | $50,650,000 | $291,000 | $6,505,000 | $154,000 | $1,195,000 |
| Other Purpose | 136 | $13,690,000 | $100,000 | $505,000 | $168,000 | $1,073,000 |
| Cash-out Refinancing | 75 | $20,775,000 | $277,000 | $5,005,000 | $129,000 | $720,000 |
| 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 | 1,996 | $467,780,000 | $234,000 | $1,985,000 | $133,000 | $2,379,000 |
| Not Provided | 276 | $68,870,000 | $249,000 | $1,105,000 | $138,000 | $1,195,000 |
| Black or African American | 187 | $38,105,000 | $203,000 | $725,000 | $91,000 | $490,000 |
| Hispanic | 122 | $25,270,000 | $207,000 | $1,955,000 | $97,000 | $843,000 |
| Not applicable | 84 | $83,400,000 | $992,000 | $10,965,000 | $0 | $0 |
| Asian | 83 | $27,215,000 | $327,000 | $1,675,000 | $239,000 | $2,304,000 |
| American Indian or Alaskan Native | 11 | $2,335,000 | $212,000 | $545,000 | $98,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $275,000 | $127,000 | $188,000 |
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) | 2,478 | $654,250,000 | $264,000 | $10,965,000 | $138,000 | $2,379,000 |
| FHA-insured (Federal Housing Administration) | 237 | $47,445,000 | $200,000 | $495,000 | $82,000 | $776,000 |
| VA-guaranteed (Veterans Administration) | 36 | $9,830,000 | $273,000 | $475,000 | $89,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,780,000 | $178,000 | $275,000 | $62,000 | $107,000 |
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 | 1,252 | $341,410,000 | $272,000 | $10,965,000 | $155,000 | $2,379,000 |
| Preapproval Approved but not Accepted | 799 | $218,095,000 | $272,000 | $1,905,000 | $124,000 | $2,304,000 |
| Preapproval Denied by Financial Institution | 341 | $61,165,000 | $179,000 | $765,000 | $79,000 | $1,800,000 |
| Application Withdrawn By Applicant | 219 | $59,355,000 | $271,000 | $3,125,000 | $144,000 | $1,195,000 |
| Application Denied By Financial Institution | 130 | $21,870,000 | $168,000 | $6,505,000 | $83,000 | $385,000 |
| Application Approved But Not Accepted | 14 | $9,400,000 | $671,000 | $2,805,000 | $143,000 | $443,000 |
| File Closed For Incompleteness | 6 | $2,010,000 | $335,000 | $605,000 | $177,000 | $275,000 |
| 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 | 2,290 | $630,270,000 | $275,000 | $10,965,000 | $143,000 | $2,379,000 |
| Credit History | 233 | $33,505,000 | $143,000 | $505,000 | $71,000 | $588,000 |
| Debt-To-Income Ratio | 161 | $27,515,000 | $170,000 | $765,000 | $57,000 | $263,000 |
| Credit Application Incomplete | 41 | $10,375,000 | $253,000 | $755,000 | $185,000 | $1,800,000 |
| Collateral | 14 | $7,480,000 | $534,000 | $6,505,000 | $119,000 | $385,000 |
| Employment History | 13 | $2,205,000 | $169,000 | $565,000 | $53,000 | $112,000 |
| Unverifiable Information | 6 | $890,000 | $148,000 | $365,000 | $100,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,020,000 | $510,000 | $935,000 | $72,000 | $72,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $1,320,000 | $1,320,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About