The State Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, The State Bank & Trust Company of Defiance, OH reported 2,052 mortgage applications totaling $295.7 million, about the same as 2009. The average application was for $144,088, and applicants reported an average income of $79,189. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Columbus, OH (783), Toledo, OH (246) and Lima, OH (127) (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 | 2,052 |
| Total Mortgage Loan Application Amount | $295,670,000 |
| Average Mortgage Loan Application Amount | $144,088 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $79,189 |
| Highest Applicant Income | $967,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The State Bank & Trust Company in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,223 | $187,476,000 | $153,000 | $1,112,000 | $90,000 | $967,000 |
| Home Purchase | 804 | $105,691,000 | $131,000 | $2,500,000 | $63,000 | $725,000 |
| Home Improvement | 25 | $2,503,000 | $100,000 | $255,000 | $71,000 | $386,000 |
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 | 1,899 | $268,972,000 | $141,000 | $1,112,000 | $80,000 | $967,000 |
| Black or African American | 62 | $7,391,000 | $119,000 | $414,000 | $61,000 | $487,000 |
| Hispanic | 37 | $4,417,000 | $119,000 | $315,000 | $68,000 | $205,000 |
| Asian | 36 | $7,676,000 | $213,000 | $688,000 | $118,000 | $725,000 |
| Not applicable | 12 | $6,779,000 | $564,000 | $2,500,000 | $12,000 | $149,000 |
| Not Provided | 6 | $435,000 | $72,000 | $142,000 | $161,000 | $524,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,556 | $234,407,000 | $150,000 | $2,500,000 | $88,000 | $967,000 |
| FHA-insured (Federal Housing Administration) | 417 | $49,299,000 | $118,000 | $347,000 | $52,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $6,147,000 | $153,000 | $1,112,000 | $53,000 | $355,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,817,000 | $149,000 | $431,000 | $60,000 | $149,000 |
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 | 1,650 | $249,686,000 | $151,000 | $2,500,000 | $83,000 | $967,000 |
| Application Denied By Financial Institution | 145 | $16,977,000 | $117,000 | $417,000 | $62,000 | $531,000 |
| Application Withdrawn By Applicant | 110 | $13,554,000 | $123,000 | $412,000 | $77,000 | $344,000 |
| Preapproval Denied by Financial Institution | 78 | $6,321,000 | $81,000 | $666,000 | $33,000 | $91,000 |
| Application Approved But Not Accepted | 52 | $7,395,000 | $142,000 | $365,000 | $81,000 | $330,000 |
| File Closed For Incompleteness | 17 | $1,737,000 | $102,000 | $400,000 | $61,000 | $196,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2010 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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