Applications / Mortgage Analytics / Lenders / Ohio / The State Bank and Trust Company
Defiance, OH · State member bank · FRS · $1.5 billion assets · 1,380 loans in 2025
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1,380
loans originated, 2025
1,877
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The State Bank and Trust Company is an Ohio bank with a mix of home purchases, refinances and home improvement, whose lending grew 10% in 2025, in step with the whole market.
Originations rose 10% to 1,380, against 7% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market, near the middle of its peers. Volume remains well below the 3,156 loans of 2020.
Its typical rate, 6.50%, was lower than at more than eight in ten similar lenders, against 6.88%, and 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 1.3%. It turned down 3.2% of home-purchase applications, against 7.3%, lower than at about nine in ten peers.
In Toledo, where it has lent since before 1990, it ranked 21 of 334 lenders with 1.4% of the market, 0.1 points lower than in 2024. In Columbus it ranked 29 of 596 with 0.9%, also 0.1 points lower. Both are small changes, in markets where The Huntington National Bank leads and national lenders such as Rocket Mortgage rank in the top five.
LMI (low- and moderate-income) borrowers took 28.3% of its loans, near the middle of similar lenders' 26.5%. LMI areas took 10.5%, against 15.5%, lower than at nearly nine in ten peers. The make-up of the Ohio areas it mainly serves is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The State Bank and Trust Company took 1,877 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.8% · Refinance 21.3% · Home improvement 14.5% · Other 6.4%
Conventional 95.9% · FHA 3.0% · VA 0.7% · USDA (RHS or FSA) 0.4% · of 1,380 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 1,023 | 74.1% |
| Indiana | 287 | 20.8% |
| Kentucky | 37 | 2.7% |
| Michigan | 21 | 1.5% |
| North Carolina | 3 | 0.2% |
| Florida | 2 | 0.1% |
| Georgia | 1 | 0.1% |
| Idaho | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Minnesota | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 353 |
| Indianapolis-Carmel-Greenwood | 187 |
| Toledo | 168 |
| Cincinnati | 72 |
| Lima | 44 |
| Fort Wayne | 38 |
| Cleveland | 11 |
| Sandusky | 8 |
| Dayton-Kettering-Beavercreek | 7 |
| Springfield | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | UBNR8NKAK8J9JL4NZF88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 614313 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2614313 | 1993–2017 |
Established 28 March 1902. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: The State Bank and Trust Company's data.
The State Bank and Trust Company's data
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The State Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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