The State Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, The State Bank & Trust Company of Defiance, OH reported 1,495 mortgage applications totaling $260.2 million, down 24% from 2013. The average application was for $174,034, and applicants reported an average income of $95,973. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Columbus, OH (833), Toledo, OH (148) and Lima, OH (64) (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 | 1,495 |
| Total Mortgage Loan Application Amount | $260,181,000 |
| Average Mortgage Loan Application Amount | $174,034 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $95,973 |
| Highest Applicant Income | $2,060,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 1,207 | $215,095,000 | $178,000 | $1,800,000 | $96,000 | $2,060,000 |
| Refinancing | 275 | $43,478,000 | $158,000 | $1,700,000 | $96,000 | $861,000 |
| Home Improvement | 13 | $1,608,000 | $123,000 | $417,000 | $93,000 | $251,000 |
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 | 1,367 | $233,022,000 | $170,000 | $1,800,000 | $98,000 | $2,060,000 |
| Black or African American | 46 | $8,060,000 | $175,000 | $1,189,000 | $87,000 | $600,000 |
| Asian | 33 | $6,389,000 | $193,000 | $417,000 | $112,000 | $374,000 |
| Hispanic | 23 | $3,185,000 | $138,000 | $665,000 | $85,000 | $672,000 |
| Not applicable | 19 | $8,354,000 | $439,000 | $1,481,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $831,000 | $166,000 | $285,000 | $135,000 | $246,000 |
| Not Provided | 2 | $340,000 | $170,000 | $300,000 | $143,000 | $266,000 |
| 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) | 1,141 | $216,006,000 | $189,000 | $1,800,000 | $109,000 | $2,060,000 |
| FHA-insured (Federal Housing Administration) | 202 | $24,593,000 | $121,000 | $314,000 | $57,000 | $278,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $9,128,000 | $97,000 | $242,000 | $38,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 58 | $10,454,000 | $180,000 | $417,000 | $69,000 | $316,000 |
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 | 1,226 | $224,408,000 | $183,000 | $1,800,000 | $101,000 | $2,060,000 |
| Application Denied By Financial Institution | 89 | $12,481,000 | $140,000 | $1,300,000 | $79,000 | $672,000 |
| Preapproval Denied by Financial Institution | 70 | $7,150,000 | $102,000 | $300,000 | $46,000 | $266,000 |
| Application Approved But Not Accepted | 64 | $9,188,000 | $143,000 | $314,000 | $88,000 | $588,000 |
| Application Withdrawn By Applicant | 46 | $6,954,000 | $151,000 | $594,000 | $93,000 | $359,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2014 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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