Belmont Natl Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2005
In 2005, Belmont Natl Bank C/O Sky Bank of Bowling Green, OH reported 121 mortgage applications totaling $8.5 million, down 69% from 2004. The average application was for $70,561, and applicants reported an average income of $43,206. 64% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Wheeling, WV-OH (30), Weirton-Steubenville, WV-OH (4) and Pittsburgh, PA (2) (applications in parentheses).
| Mortgage Company & Address | Belmont Natl Bank C/O Sky Bank 137 Clough St. Bowling Green, OH 43402 |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 121 |
| Total Mortgage Loan Application Amount | $8,538,000 |
| Average Mortgage Loan Application Amount | $70,561 |
| Highest Mortgage Loan Application Amount | $264,000 |
| Average Applicant Income | $43,206 |
| Highest Applicant Income | $386,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Belmont Natl Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Belmont Natl Bank C/O Sky Bank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 72 | $6,049,000 | $108,750 | $264,000 | $61,500 | $119,000 |
| Home Improvement | 26 | $422,000 | $18,000 | $58,000 | $44,500 | $172,000 |
| Refinancing | 23 | $2,067,000 | $77,333 | $255,000 | $36,666 | $386,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 110 | $7,782,000 | $101,500 | $264,000 | $63,750 | $386,000 |
| Not applicable | 6 | $488,000 | $72,000 | $255,000 | $0 | $0 |
| Not Provided | 2 | $108,000 | $54,000 | $56,000 | $36,000 | $54,000 |
| Black or African American | 2 | $123,000 | $61,000 | $115,000 | $21,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $37,000 | $37,000 | $37,000 | $82,000 | $82,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 121 | $8,538,000 | $77,000 | $264,000 | $47,500 | $386,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 78 | $5,868,000 | $81,666 | $255,000 | $50,333 | $386,000 |
| Application Denied By Financial Institution | 24 | $1,129,000 | $51,000 | $201,000 | $45,000 | $116,000 |
| Preapproval Denied by Financial Institution | 9 | $516,000 | $57,000 | $100,000 | $32,000 | $50,000 |
| Loan Purchased By The Institution | 4 | $441,000 | $110,000 | $166,000 | $77,000 | $99,000 |
| Preapproval Approved but not Accepted | 4 | $431,000 | $107,000 | $264,000 | $60,000 | $96,000 |
| Application Approved But Not Accepted | 2 | $153,000 | $76,000 | $95,000 | $22,000 | $45,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 16 | $790,000 | $57,333 | $144,000 | $42,000 | $85,000 |
| Debt-To-Income Ratio | 8 | $289,000 | $34,666 | $92,000 | $36,333 | $116,000 |
| Collateral | 7 | $401,000 | $60,500 | $201,000 | $44,500 | $103,000 |
| Other | 1 | $100,000 | $100,000 | $100,000 | $38,000 | $38,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Belmont Natl Bank C/O Sky Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Belmont Natl Bank C/O Sky Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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