Lender in Indiana · HMDA 2025
The State Bank and Trust Company mortgages in Indiana
The State Bank and Trust Company's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
The State Bank and Trust Company originated 218 owner-occupied single-family loans in Indiana from 226 completed applications.
Its median conventional purchase loan costs were $3,210 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.625% (Indiana: 6.625%).
Loans in IN
218
of 226 applications
Denial rate
1.6%
Purchase · IN 7.4%
Rate spread
+0.07 pts
Conv. · IN +0.24 pts
Loan amount
$305,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 185 | 182 | 1.6% | 6.625% | +0.07 pts | $3,210 | $305,000 |
| Refinance | 38 | 33 | 13.2% | — | −0.13 pts | $2,790 | $315,000 |
| Cash-out refinance | 3 | 3 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where The State Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Steuben County | 19 | 6 | 1.4% |
| Henry County | 24 | 8 | 1.2% |
| Boone County | 25 | 19 | 1.0% |
| DeKalb County | 25 | 8 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology