# The State Bank and Trust Company > **Canonical URL:** https://saferate.com/lenders/the-state-bank-and-trust > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible The State Bank and Trust Company is a bank, headquartered in Defiance, OH, serving borrowers across 12 states, with 820 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 23% of lenders for competitive rates - **Approval Rate:** Ranks in the top 35% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** UBNR8NKAK8J9JL4NZF88 - **Headquarters:** Defiance, OH - **Geographic Reach:** Multi-Region - **States Served:** 12 - **State List:** AL, CT, FL, GA, IN, KY, MI, NC, OH, RI, SC, TN - **Markets (MSAs):** 7 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Strong πŸ˜€ - Score: 77/100 - Rating: ●●●●○ (4/5) ### Pull Through: Strong πŸ˜€ - Score: 65/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.091% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,253 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 820 - **Dollar Volume:** $242 million - **Applications Received:** 1,018 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $294,549 - **Average Borrower Income:** $147,493 - **Average Property Value:** $378,049 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (70%) - ⭐ **FHA Gold Superstar** (64%) - ⭐ **Purchase Gold Superstar** (70%) - ⭐ **Refinance Gold Superstar** (65%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 69/100 | 750 | +0.071% | $1,259 | Strong πŸ˜€ | | FHA | 58/100 | 42 | +0.564% | $1,131 | Sound ☺️ | | VA | 38/100 | 12 | -0.128% | $1,321 | Acceptable πŸ™‚ | | Jumbo | 63/100 | 12 | +0.105% | $1,047 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 669 loans, Score: 70/100 (Strong) - Refinance: 81 loans, Score: 55/100 (Sound) **FHA:** - Purchase: 40 loans, Score: 57/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 68/100 | 734 | $219M | +0.099% | Strong πŸ˜€ | | Refinance | 53/100 | 86 | $23M | +0.022% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | OH | 563 | 0.42% | 81/100 | | IN | 218 | 0.24% | 71/100 | | MI | 12 | 0.01% | 39/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Columbus, OH | OH | 256 | 83/100 | | Non | | 223 | 65/100 | | Indianapolis | IN | 162 | 75/100 | | Toledo, OH | OH | 71 | 73/100 | | Lima, OH | OH | 26 | 60/100 | | Fort Wayne, IN | IN | 22 | 51/100 | | Cincinnati, OH | | 14 | 44/100 | ## Where This Lender Ranks The State Bank and Trust Company appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Columbus, OH Banks - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks) - πŸ₯‰ **#3** in Columbus, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/conventional-loans) - πŸ₯‰ **#3** in Lima, OH Banks - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks) - πŸ† **#4** in Columbus, OH for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#4** in Lima, OH - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders) - πŸ† **#4** in Lima, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Columbus, OH for Conventional Loans - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/conventional-loans) - πŸ† **#5** in Columbus, OH for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/fha-loans) - πŸ† **#5** in Columbus, OH for Jumbo Loans - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/jumbo-loans) - πŸ† **#6** in Ohio for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#6** in Columbus, OH - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders) - πŸ† **#6** in Toledo, OH Banks - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks) - πŸ† **#6** in Toledo, OH for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#7** in Indianapolis Banks - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/banks) - πŸ† **#7** in Toledo, OH for Conventional Loans - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Lima, OH for Conventional Loans - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Ohio for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#8** in Ohio for Jumbo Loans - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/jumbo-loans) - πŸ† **#8** in Columbus, OH for VA Loans (Banks) - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/va-loans) - πŸ† **#8** in Indiana Banks - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks) ## Frequently Asked Questions ### What loan types does The State Bank and Trust Company offer? The State Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does The State Bank and Trust Company offer mortgages? The State Bank and Trust Company offers mortgages in 12 states: AL, CT, FL, GA, IN, KY, MI, NC, OH, RI, SC, TN. ### How competitive are The State Bank and Trust Company's mortgage rates? The State Bank and Trust Company has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.091% above market average. ### What type of lender is The State Bank and Trust Company? The State Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Defiance, OH. ### What is The State Bank and Trust Company's loan approval success rate? The State Bank and Trust Company has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/the-state-bank-and-trust ### How to Cite > "The State Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-state-bank-and-trust --- **[View Interactive Profile β†’](https://saferate.com/lenders/the-state-bank-and-trust)**