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The State Bank and Trust Company
Bank|Defiance, OH|Multi-Region
Loans Originated
820
Applications
1,018
Volume
$241 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.091%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,253
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
The State Bank and Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 7 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$294,549
Average Borrower Income
$147,493
Average Property Value
$378,049
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 750 | 91.5% | +0.071% | $1,259 |
FHA Loans | Strong | Sound | Strong | Strong | 42 | 5.1% | +0.564% | $1,131 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 12 | 1.5% | -0.128% | $1,321 |
Jumbo Loans | Strong | Strong | N/A | N/A | 12 | 1.5% | +0.105% | $1,047 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 734 | 89.5% | +0.099% | $1,299 |
Refinance | Strong | Sound | Exceptional | Sound | 86 | 10.5% | +0.022% | $894 |
Geographic Coverage
Metro Areas
6
States Served
12
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Columbus, OH, OHMSA
Volume: 256Mix: 31.22%
Place Specialization
Exceptional
2
Indianapolis, INMSA
Volume: 162Mix: 19.76%
Place Specialization
Strong
3
Toledo, OH, OHMSA
Volume: 71Mix: 8.66%
Place Specialization
Strong
4
Lima, OH, OHMSA
Volume: 26Mix: 3.17%
Place Specialization
Sound
5
Fort Wayne, IN, INMSA
Volume: 22Mix: 2.68%
Place Specialization
Sound
6
Cincinnati, OHMSA
Volume: 14Mix: 1.71%
Place Specialization
Sound
Top States by Place Specialization Score
1
OHState
Volume: 563Mix: 68.66%
Place Specialization
Exceptional
2
INState
Volume: 218Mix: 26.59%
Place Specialization
Strong
3
MIState
Volume: 12Mix: 1.46%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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