Belmont Natl Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2004
In 2004, Belmont Natl Bank C/O Sky Bank of Bowling Green, OH reported 387 mortgage applications totaling $30.8 million, down 48% from 2003. The average application was for $79,509, and applicants reported an average income of $53,100. 61% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Wheeling, WV-OH (72), Pittsburgh, PA (16) and Columbus, OH (4) (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 | 387 |
| Total Mortgage Loan Application Amount | $30,770,000 |
| Average Mortgage Loan Application Amount | $79,509 |
| Highest Mortgage Loan Application Amount | $508,000 |
| Average Applicant Income | $53,100 |
| Highest Applicant Income | $600,000 |
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records Belmont Natl Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Belmont, Ohio | 146 | $ 9,344,000 | $ 64,000 | $ 47,000 |
| Ohio, West Virginia | 53 | $ 3,348,000 | $ 63,169 | $ 48,000 |
| Tuscarawas, Ohio | 45 | $ 3,408,000 | $ 75,733 | $ 36,000 |
| Harrison, Ohio | 26 | $ 1,760,000 | $ 67,692 | $ 38,000 |
| Marshall, West Virginia | 19 | $ 948,000 | $ 49,894 | $ 55,000 |
| Athens, Ohio | 10 | $ 1,226,000 | $ 122,600 | $ 51,000 |
| Allegheny, Pennsylvania | 10 | $ 1,003,000 | $ 100,300 | $ 69,000 |
| Jefferson, Ohio | 8 | $ 698,000 | $ 87,250 | $ 79,000 |
| Washington, Pennsylvania | 5 | $ 1,141,000 | $ 228,200 | $ 58,000 |
| Franklin, Ohio | 4 | $ 834,000 | $ 208,500 | $ 265,000 |
| Monongalia, West Virginia | 4 | $ 937,000 | $ 234,250 | $ 39,000 |
| Guernsey, Ohio | 3 | $ 181,000 | $ 60,333 | $ 29,000 |
| Monroe, Ohio | 2 | $ 195,000 | $ 97,500 | $ 81,000 |
| Muskingum, Ohio | 2 | $ 397,000 | $ 198,500 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 508,000 | $ 508,000 | $ 376,000 |
| Alachua, Florida | 1 | $ 136,000 | $ 136,000 | $ 31,000 |
| Carroll, Ohio | 1 | $ 99,000 | $ 99,000 | $ 28,000 |
| Coshocton, Ohio | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Knox, Ohio | 1 | $ 391,000 | $ 391,000 | $ 100,000 |
| Medina, Ohio | 1 | $ 156,000 | $ 156,000 | $ 78,000 |
| Montgomery, Ohio | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Noble, Ohio | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Perry, Ohio | 1 | $ 117,000 | $ 117,000 | $ 41,000 |
| Stark, Ohio | 1 | $ 178,000 | $ 178,000 | $ 59,000 |
| Vinton, Ohio | 1 | $ 57,000 | $ 57,000 | $ 63,000 |
| Wayne, Ohio | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Mercer, Pennsylvania | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| Westmoreland, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Horry, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 27,000 |
| Brooke, West Virginia | 1 | $ 108,000 | $ 108,000 | $ 44,000 |
| Greenbrier, West Virginia | 1 | $ 250,000 | $ 250,000 | $ 56,000 |
| Marion, West Virginia | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Mason, West Virginia | 1 | $ 62,000 | $ 62,000 | $ 152,000 |
| Webster, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Wetzel, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Wood, 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.
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