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Multifamily record
The State Bank and Trust Company: multifamily loans made
The State Bank and Trust Company, a bank based in Defiance, OH, made 52 multifamily loans in 2024 and 2025, $111M in all, in 2 states. The typical loan was about $800K, and the largest about $11M. Most were in Franklin County, OH.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 52
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $111M
- HMDA,
- Rounded amounts
- Typical loan
- $800K
- HMDA,
- Largest loan
- $11M
- HMDA,
- Rounded to 2 significant figures
- States
- 2
- HMDA,
Cite this
Source: The Lender Report, The State Bank and Trust Company: multifamily loans made, https://lender.report/lender/state-bank-and-trust-oh/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Delaware County, OH | Purchase, 50 to 99 units | $8M | 6.75% | 5 yr | 82% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 50 to 99 units | $7.9M | 6.5% | 3 yr | 67% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 50 to 99 units | $7.1M | 6.24% | 3 yr | 73% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 25 to 49 units | $6.8M | 6.63% | 8 yr | 86% | HMDA 2025 |
| 2025 | Franklin County, OH | Cash-out refinance, 25 to 49 units | $6.5M | 6.63% | 2.5 yr | 79% | HMDA 2025 |
| 2025 | Franklin County, OH | Cash-out refinance, 50 to 99 units | $5.3M | 6.18% | 3 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 25 to 49 units | $3.8M | 6.5% | 5 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 5 to 24 units | $1.8M | 6.3% | 3 yr | 76% | HMDA 2025 |
| 2025 | Lucas County, OH | Refinance, 5 to 24 units | $1.5M | 6.88% | 20 yr | 75% | HMDA 2025 |
| 2025 | Hamilton County, OH | Purchase, 25 to 49 units | $1.4M | 6.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | Montgomery County, OH | Refinance, 25 to 49 units | $1.4M | 6.5% | 10 yr | 70% | HMDA 2025 |
| 2025 | Franklin County, OH | Improvement, 50 to 99 units | $1.3M | 6.13% | 3 yr | 73% | HMDA 2025 |
| 2025 | Wood County, OH | Cash-out refinance, 25 to 49 units | $1.3M | 6.88% | 25 yr | 63% | HMDA 2025 |
| 2025 | Wood County, OH | Cash-out refinance, 25 to 49 units | $1M | 6.25% | 25 yr | 40% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 5 to 24 units | $780K | 6.5% | 25 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, OH | Refinance, 5 to 24 units | $780K | 6.75% | 20 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, OH | Cash-out refinance, 5 to 24 units | $740K | 6.18% | 3 yr | 75% | HMDA 2025 |
| 2025 | Allen County, OH | Purchase, 5 to 24 units | $680K | 6.63% | 20 yr | 75% | HMDA 2025 |
| 2025 | Lucas County, OH | Cash-out refinance, 5 to 24 units | $680K | 7% | 20 yr | 58% | HMDA 2025 |
| 2025 | Lucas County, OH | Purchase, 5 to 24 units | $640K | 7% | 20 yr | 75% | HMDA 2025 |
| 2025 | Wood County, OH | Purchase, 5 to 24 units | $600K | 7.25% | 20 yr | 75% | HMDA 2025 |
| 2025 | Lucas County, OH | Purchase, 5 to 24 units | $520K | 6.75% | 20 yr | 75% | HMDA 2025 |
| 2025 | Allen County, OH | Purchase, 5 to 24 units | $480K | 7.25% | 20 yr | 75% | HMDA 2025 |
| 2025 | Williams County, OH | Purchase, 5 to 24 units | $380K | 7.38% | 20 yr | 55% | HMDA 2025 |
| 2025 | Lucas County, OH | Refinance, 5 to 24 units | $300K | 7% | 20 yr | 69% | HMDA 2025 |
| 52 multifamily loans made in 2024 and 2025 | $111M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Franklin County, OH | County | 14 | $48.9M |
| Lucas County, OH | County | 7 | $4.18M |
| Wood County, OH | County | 6 | $8.38M |
| Allen County, OH | County | 4 | $1.76M |
| Delaware County, OH | County | 3 | $25.3M |
| Ohio | State | 3 | $1.10M |
| Williams County, OH | County | 3 | $620K |
| Hamilton County, OH | County | 2 | $2.20M |
| Morrow County, OH | County | 2 | $2.06M |
| Brown County, OH | County | 1 | $940K |
| Fairfield County, OH | County | 1 | $11.0M |
| Hancock County, OH | County | 1 | $1.10M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 29 | $13.0M |
| $1M to $2.5M | 10 | $13.4M |
| $2.5M to $5M | 3 | $9.70M |
| $5M to $10M | 9 | $63.9M |
| $10M or more | 1 | $11.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 20 | $48.1M | $960K |
| 2025 | 32 | $63.0M | $780K |
| Purpose | Loans |
|---|---|
| Purchase | 31 |
| Refinance | 11 |
| Cash-out refinance | 8 |
| Improvement | 2 |
| Units | Loans |
|---|---|
| 5 to 24 units | 33 |
| 25 to 49 units | 10 |
| 50 to 99 units | 8 |
| 100 to 149 units | 1 |
- The State Bank and Trust Company made 52 multifamily loans totaling $111M in 2024 and 2025, in 17 named places across 2 states. HMDA,
- It made 32 of them in 2025 and 20 in 2024. HMDA,
- The typical loan was about $800K, with the middle half between $360K and $2.5M. HMDA,
- The largest was about $11M. Every amount is rounded to 2 significant figures. HMDA,
- 29 loans were under $1M, and 10 were $5M or more. HMDA,
- It reported a median rate of 6.90% on 52 loans, with the middle half between 6.50% and 7.25%. HMDA,
- The median term was 20 years. HMDA,
- The median loan to value was 75%. HMDA,
- 37% of the loans were refinancings and 60% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 33 loans. HMDA,
- Its loans were most often in Franklin County, OH (14), Lucas County, OH (7) and Wood County, OH (6). HMDA,
What we don't know
- Whether The State Bank and Trust Company is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.