The State Bank and Trust Company
The State Bank and Trust Company received 1,876 applications in 2025 and made 1,380 mortgages, in 119 counties across 16 states. The median rate its borrowers got was 6.500% on a median loan of $205,000. Of 1,561 decisions, 154 were denials — 9.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | UBNR8NKAK8J9JL4NZF88 |
|---|---|
| Applications received | 1,876 |
| Mortgages made | 1,380 |
| Denied | 154 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 315 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.04 points |
| FDIC-insured bank | Yes: The State Bank and Trust Company, 29 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 797 | 6.500% | $255,000 | 4.6% |
| Refinancing | 229 | 6.125% | $185,000 | 13.1% |
| Cash-out refinancing | 65 | 6.500% | $195,000 | 14.3% |
| Other purposes | 289 | 6.125% | $65,000 | 18.8% |
Where The State Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 232 | 6.500% | 7.1% |
| Williams County, OH | 106 | 6.375% | 12.3% |
| Defiance County, OH | 105 | 6.375% | 6.9% |
| Paulding County, OH | 90 | 6.375% | 11.3% |
| Hamilton County, IN | 81 | 6.500% | 3.6% |
| Fulton County, OH | 80 | 6.500% | 8.8% |
| Delaware County, OH | 65 | 6.375% | 6.9% |
| Marion County, IN | 57 | 6.625% | 7.9% |
| Lucas County, OH | 46 | 6.750% | 21.0% |
| Allen County, OH | 44 | 6.375% | 16.7% |
| Wood County, OH | 42 | 6.750% | 0.0% |
| Allen County, IN | 38 | 6.375% | 5.0% |
| Hamilton County, OH | 30 | 6.375% | 3.2% |
| Henry County, OH | 24 | 6.375% | 16.7% |
| Boone County, IN | 21 | 6.625% | 4.6% |
| Fairfield County, OH | 19 | 6.750% | 5.0% |
| DeKalb County, IN | 17 | 6.600% | 5.3% |
| Hancock County, OH | 17 | 6.500% | 26.1% |
| Steuben County, IN | 16 | 6.613% | 5.9% |
| Union County, OH | 15 | 6.625% | 11.8% |
| Kenton County, KY | 14 | 6.375% | 12.5% |
| Campbell County, KY | 13 | 6.500% | 7.1% |
| Auglaize County, OH | 10 | 6.438% | 9.1% |
| Putnam County, OH | 10 | 5.990% | 16.7% |
| Henry County, IN | 8 | Under 10 loans | 0.0% |
| Licking County, OH | 8 | Under 10 loans | 27.3% |
| Ottawa County, OH | 8 | Under 10 loans | 11.1% |
| Hancock County, IN | 7 | Under 10 loans | 22.2% |
| Johnson County, IN | 7 | Under 10 loans | 12.5% |
| Clark County, OH | 7 | Under 10 loans | 12.5% |
| Hendricks County, IN | 6 | Under 10 loans | 0.0% |
| Madison County, IN | 6 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 6 | Under 10 loans | 22.2% |
| Van Wert County, OH | 6 | Under 10 loans | 14.3% |
| Boone County, KY | 5 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 5 | Under 10 loans | 0.0% |
| Madison County, OH | 5 | Under 10 loans | 25.0% |
| Pickaway County, OH | 5 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 4 | Under 10 loans | 0.0% |
| Lenawee County, MI | 4 | Under 10 loans | 20.0% |
| Montgomery County, OH | 4 | Under 10 loans | 33.3% |
| Seneca County, OH | 4 | Under 10 loans | 33.3% |
| Noble County, IN | 3 | Under 10 loans | 0.0% |
| Branch County, MI | 3 | Under 10 loans | 0.0% |
| Lorain County, OH | 3 | Under 10 loans | 0.0% |
| Morrow County, OH | 3 | Under 10 loans | 40.0% |
| Warren County, OH | 3 | Under 10 loans | 0.0% |
| Grant County, IN | 2 | Under 10 loans | 0.0% |
| Huntington County, IN | 2 | Under 10 loans | 0.0% |
| Putnam County, IN | 2 | Under 10 loans | 0.0% |
Get told when this changes
When The State Bank and Trust Company’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.