Lender in Ohio · HMDA 2025
The State Bank and Trust Company mortgages in Ohio
The State Bank and Trust Company's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
The State Bank and Trust Company originated 593 owner-occupied single-family loans in Ohio from 631 completed applications.
Its median conventional purchase loan costs were $3,950 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
593
of 631 applications
Denial rate
3.0%
Purchase · OH 7.1%
Rate spread
+0.05 pts
Conv. · OH +0.22 pts
Loan amount
$235,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 492 | 473 | 3.0% | 6.500% | +0.05 pts | $3,950 | $235,000 |
| Refinance | 92 | 80 | 13.0% | 5.875% | −0.28 pts | $3,270 | $225,000 |
| Cash-out refinance | 47 | 40 | 12.8% | 6.625% | −0.00 pts | $3,410 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where The State Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Paulding County | 1 | 60 | 24.4% |
| Williams County | 2 | 62 | 13.1% |
| Defiance County | 2 | 61 | 13.4% |
| Fulton County | 2 | 43 | 8.2% |
| Henry County | 8 | 14 | 4.4% |
| Van Wert County | 17 | 6 | 1.7% |
| Putnam County | 17 | 5 | 1.2% |
| Allen County | 20 | 14 | 1.1% |
| Auglaize County | 20 | 7 | 1.3% |
| Delaware County | 22 | 40 | 0.9% |
| Wyandot County | 24 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology