The State Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, The State Bank & Trust Company of Defiance, OH reported 5,554 mortgage applications totaling $1.2 billion, up 114% from 2019. The average application was for $210,586, and applicants reported an average income of $107,613. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Columbus, OH (1,796), Toledo, OH (554) and Indianapolis-Carmel-Anderson, IN (221) (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 | 5,554 |
| Total Mortgage Loan Application Amount | $1,169,600,000 |
| Average Mortgage Loan Application Amount | $210,586 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $107,613 |
| Highest Applicant Income | $1,973,000 |
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records The State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 3,059 | $636,295,000 | $208,000 | $3,475,000 | $92,000 | $1,477,000 |
| Refinancing | 1,788 | $401,830,000 | $224,000 | $1,505,000 | $132,000 | $1,973,000 |
| Cash-out Refinancing | 675 | $128,895,000 | $190,000 | $1,205,000 | $115,000 | $1,559,000 |
| Home Improvement | 17 | $1,345,000 | $79,000 | $255,000 | $63,000 | $124,000 |
| Other Purpose | 15 | $1,235,000 | $82,000 | $215,000 | $103,000 | $466,000 |
| 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 | 4,450 | $933,800,000 | $209,000 | $1,685,000 | $109,000 | $1,973,000 |
| Not Provided | 562 | $122,850,000 | $218,000 | $3,305,000 | $114,000 | $600,000 |
| Black or African American | 215 | $36,695,000 | $170,000 | $1,205,000 | $75,000 | $447,000 |
| Hispanic | 157 | $30,295,000 | $192,000 | $1,405,000 | $90,000 | $522,000 |
| Asian | 104 | $25,840,000 | $248,000 | $695,000 | $135,000 | $600,000 |
| Not applicable | 50 | $17,050,000 | $341,000 | $3,475,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $1,700,000 | $170,000 | $465,000 | $68,000 | $158,000 |
| 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) | 5,030 | $1,087,070,000 | $216,000 | $3,475,000 | $113,000 | $1,973,000 |
| FHA-insured (Federal Housing Administration) | 386 | $57,070,000 | $147,000 | $375,000 | $57,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 88 | $19,460,000 | $221,000 | $485,000 | $92,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $6,000,000 | $120,000 | $285,000 | $46,000 | $74,000 |
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 | 3,156 | $702,610,000 | $222,000 | $3,475,000 | $120,000 | $1,973,000 |
| Preapproval Approved but not Accepted | 849 | $181,425,000 | $213,000 | $1,565,000 | $93,000 | $720,000 |
| Preapproval Denied by Financial Institution | 633 | $97,065,000 | $153,000 | $1,355,000 | $62,000 | $690,000 |
| Application Withdrawn By Applicant | 544 | $117,160,000 | $215,000 | $1,205,000 | $120,000 | $948,000 |
| Application Denied By Financial Institution | 302 | $56,550,000 | $187,000 | $1,205,000 | $97,000 | $458,000 |
| File Closed For Incompleteness | 59 | $12,205,000 | $206,000 | $925,000 | $106,000 | $447,000 |
| Application Approved But Not Accepted | 11 | $2,585,000 | $235,000 | $515,000 | $121,000 | $170,000 |
| 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 | 4,619 | $1,015,985,000 | $219,000 | $3,475,000 | $115,000 | $1,973,000 |
| Credit History | 610 | $89,770,000 | $147,000 | $1,205,000 | $67,000 | $690,000 |
| Debt-To-Income Ratio | 161 | $28,385,000 | $176,000 | $1,305,000 | $55,000 | $461,000 |
| Credit Application Incomplete | 59 | $14,195,000 | $240,000 | $775,000 | $117,000 | $376,000 |
| Collateral | 53 | $10,285,000 | $194,000 | $535,000 | $122,000 | $391,000 |
| Unverifiable Information | 17 | $3,715,000 | $218,000 | $1,355,000 | $93,000 | $312,000 |
| Other | 16 | $3,780,000 | $236,000 | $635,000 | $141,000 | $444,000 |
| Employment History | 11 | $2,625,000 | $238,000 | $635,000 | $102,000 | $365,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $860,000 | $107,000 | $175,000 | $58,000 | $191,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The State Bank & Trust Company's 2020 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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