The State Bank and Trust Company mortgage approval rate & lending review
The State Bank and Trust Company decided 2,123 mortgage applications and funded 1,939 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The State Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The State Bank and Trust Company at a glance
Approval is 10.0 points above the 82.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,257 / 1,318 | 99% | $295K | 1,250 |
| Home improvement loans | 81% | 216 / 266 | 98% | $85K | 212 |
| Cash-out refinance | 89% | 54 / 61 | 100% | $195K | 54 |
| Refinance | 91% | 253 / 279 | 99% | $215K | 251 |
| Investment property purchase | 90% | 151 / 167 | 97% | $165K | 147 |
The State Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 91% | $295K | 1,456 | 1,314 |
| Indiana | 95% | $265K | 582 | 548 |
| Kentucky | 92% | $235K | 25 | 23 |
| Michigan | 100% | $305K | 20 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The State Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 97% | 432 | 419 |
| Hamilton County, IN | Mortgage lenders | 97% | 153 | 147 |
| Marion County, IN | Mortgage lenders | 97% | 150 | 144 |
| Franklin County, OH | Refinance | 91% | 112 | 102 |
| Delaware County, OH | Mortgage lenders | 98% | 92 | 89 |
| Franklin County, OH | Home improvement loans | 86% | 85 | 71 |
| Allen County, OH | Mortgage lenders | 93% | 68 | 61 |
| Lucas County, OH | Mortgage lenders | 85% | 71 | 60 |
| Allen County, IN | Mortgage lenders | 95% | 59 | 56 |
| Franklin County, OH | Investment property purchase | 98% | 42 | 41 |
| Fairfield County, OH | Mortgage lenders | 97% | 35 | 34 |
| Wood County, OH | Mortgage lenders | 87% | 39 | 34 |
The county markets where The State Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about The State Bank and Trust Company
What is The State Bank and Trust Company's mortgage approval rate?
The State Bank and Trust Company approved 92.2% of the 2,123 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.0 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan The State Bank and Trust Company offers?
Borrowers accepted 99% of the loans The State Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The State Bank and Trust Company make?
The typical home purchase mortgage loan The State Bank and Trust Company made was $295K; across all loan types its typical loan ran from $85K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The State Bank and Trust Company lend?
The State Bank and Trust Company decided applications in 16 of the states Fat Boy Data covers, most of them in Ohio, Indiana and Kentucky.
Can I apply to The State Bank and Trust Company directly?
Yes. The State Bank and Trust Company is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The State Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The State Bank and Trust Company treats applications, then get a rate quote from the lender.