Belmont Natl Bank C/O Sky Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Belmont Natl Bank C/O Sky Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 387 |
| Total Mortgage Loan Application Amount | $30,770,000 |
| Average Mortgage Loan Application Amount | $146,384 |
| Highest Mortgage Loan Application Amount | $508,000 |
| Average Applicant Income | $76,538 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Belmont Natl Bank C/O Sky Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Belmont Natl Bank C/O Sky Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Belmont Natl Bank C/O Sky Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Belmont Natl Bank C/O Sky Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Belmont Natl Bank C/O Sky Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Belmont Natl Bank C/O Sky Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Belmont County Ohio | 146 | $ 9,344,000 | $ 64,000 | $ 47,000 |
| Ohio County West Virginia | 53 | $ 3,348,000 | $ 63,000 | $ 48,000 |
| Tuscarawas County Ohio | 45 | $ 3,408,000 | $ 75,000 | $ 36,000 |
| Harrison County Ohio | 26 | $ 1,760,000 | $ 67,000 | $ 38,000 |
| Marshall County West Virginia | 19 | $ 948,000 | $ 49,000 | $ 55,000 |
| Athens County Ohio | 10 | $ 1,226,000 | $ 122,000 | $ 51,000 |
| Allegheny County Pennsylvania | 10 | $ 1,003,000 | $ 100,000 | $ 69,000 |
| Jefferson County Ohio | 8 | $ 698,000 | $ 87,000 | $ 79,000 |
| Washington County Pennsylvania | 5 | $ 1,141,000 | $ 228,000 | $ 58,000 |
| Franklin County Ohio | 4 | $ 834,000 | $ 208,000 | $ 265,000 |
| Monongalia County West Virginia | 4 | $ 937,000 | $ 234,000 | $ 39,000 |
| Guernsey County Ohio | 3 | $ 181,000 | $ 60,000 | $ 29,000 |
| Monroe County Ohio | 2 | $ 195,000 | $ 97,000 | $ 81,000 |
| Muskingum County Ohio | 2 | $ 397,000 | $ 198,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 508,000 | $ 508,000 | $ 376,000 |
| Alachua County Florida | 1 | $ 136,000 | $ 136,000 | $ 31,000 |
| Carroll County Ohio | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| Coshocton County Ohio | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Knox County Ohio | 1 | $ 391,000 | $ 391,000 | $ 100,000 |
| Medina County Ohio | 1 | $ 156,000 | $ 156,000 | $ 78,000 |
| Montgomery County Ohio | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Noble County Ohio | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Perry County Ohio | 1 | $ 117,000 | $ 117,000 | $ 41,000 |
| Stark County Ohio | 1 | $ 178,000 | $ 178,000 | $ 59,000 |
| Vinton County Ohio | 1 | $ 57,000 | $ 57,000 | $ 63,000 |
| Wayne County Ohio | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Mercer County Pennsylvania | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| Westmoreland County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Horry County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 27,000 |
| Brooke County West Virginia | 1 | $ 108,000 | $ 108,000 | $ 44,000 |
| Greenbrier County West Virginia | 1 | $ 250,000 | $ 250,000 | $ 56,000 |
| Marion County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Mason County West Virginia | 1 | $ 62,000 | $ 62,000 | $ 152,000 |
| Webster County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Wetzel County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Wood County West Virginia | 1 | $ 62,000 | $ 62,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Belmont Natl Bank C/O Sky Bank in 2004
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 | 200 | $19,080,000 | $164,428 | $508,000 | $86,571 | $600,000 |
| Refinancing | 116 | $8,724,000 | $93,666 | $391,000 | $99,000 | $256,000 |
| Home Improvement | 71 | $2,966,000 | $157,000 | $400,000 | $30,666 | $273,000 |
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 | 331 | $25,512,000 | $100,666 | $391,000 | $45,500 | $273,000 |
| Not applicable | 30 | $2,445,000 | $182,000 | $400,000 | $0 | $0 |
| Not Provided | 14 | $1,570,000 | $130,000 | $378,000 | $86,666 | $600,000 |
| Black or African American | 7 | $498,000 | $108,000 | $193,000 | $69,666 | $87,000 |
| Hispanic | 3 | $600,000 | $277,000 | $508,000 | $198,500 | $376,000 |
| American Indian or Alaskan Native | 1 | $68,000 | $68,000 | $68,000 | $56,000 | $56,000 |
| Asian | 1 | $77,000 | $77,000 | $77,000 | $42,000 | $42,000 |
| 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) | 387 | $30,770,000 | $162,857 | $508,000 | $90,142 | $600,000 |
| 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 | 236 | $19,177,000 | $200,500 | $508,000 | $138,000 | $600,000 |
| Application Denied By Financial Institution | 91 | $6,325,000 | $92,800 | $391,000 | $39,600 | $180,000 |
| Preapproval Denied by Financial Institution | 26 | $1,948,000 | $74,000 | $193,000 | $32,000 | $102,000 |
| Application Approved But Not Accepted | 14 | $1,265,000 | $87,666 | $206,000 | $54,333 | $88,000 |
| Loan Purchased By The Institution | 14 | $1,452,000 | $101,333 | $330,000 | $60,666 | $152,000 |
| Application Withdrawn By Applicant | 3 | $165,000 | $46,000 | $124,000 | $52,000 | $90,000 |
| File Closed For Incompleteness | 3 | $438,000 | $184,500 | $300,000 | $40,500 | $78,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 47 | $4,229,000 | $93,750 | $391,000 | $50,500 | $180,000 |
| Credit History | 42 | $1,951,000 | $47,666 | $120,000 | $36,666 | $92,000 |
| Collateral | 20 | $1,724,000 | $97,666 | $200,000 | $44,000 | $88,000 |
| Employment History | 5 | $202,000 | $58,333 | $115,000 | $26,000 | $36,000 |
| Other | 2 | $49,000 | $24,500 | $44,000 | $46,000 | $47,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Belmont Natl Bank C/O Sky Bank's 2004 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.