Belmont Natl Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2003
In 2003, Belmont Natl Bank C/O Sky Bank of Bowling Green, OH reported 751 mortgage applications totaling $63.0 million. The average application was for $83,892, and applicants reported an average income of $66,499. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wheeling, WV-OH (152), Pittsburgh, PA (17) and Steubenville-Weirton, OH-WV (14) (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 | 751 |
| Total Mortgage Loan Application Amount | $63,003,000 |
| Average Mortgage Loan Application Amount | $83,892 |
| Highest Mortgage Loan Application Amount | $770,000 |
| Average Applicant Income | $66,499 |
| Highest Applicant Income | $523,000 |
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records Belmont Natl Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wheeling, WV-OH | 152 | $ 12,228,000 | $ 80,447 | $ 68,000 |
| Pittsburgh, PA | 17 | $ 2,167,000 | $ 127,470 | $ 94,000 |
| Steubenville-Weirton, OH-WV | 14 | $ 1,173,000 | $ 83,785 | $ 68,000 |
| Columbus, OH | 8 | $ 729,000 | $ 91,125 | $ 118,000 |
| Canton-Massillon, OH | 7 | $ 602,000 | $ 86,000 | $ 40,000 |
| Youngstown-Warren, OH | 2 | $ 263,000 | $ 131,500 | $ 57,000 |
| Akron, OH | 1 | $ 69,000 | $ 69,000 | $ 162,000 |
| Atlanta, GA | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 122,000 | $ 122,000 | $ 33,000 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 110,000 | $ 110,000 | $ 66,000 |
| Naples, FL | 1 | $ 300,000 | $ 300,000 | $ 482,000 |
| Parkersburg-Marietta, WV-OH | 1 | $ 88,000 | $ 88,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Belmont Natl Bank C/O Sky Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 478 | $42,480,000 | $97,333 | $370,000 | $79,000 | $523,000 |
| Home Purchase (one-to-four family) | 206 | $17,653,000 | $144,833 | $408,000 | $133,833 | $482,000 |
| Home Improvement (one-to-four family) | 59 | $1,122,000 | $38,000 | $130,000 | $97,000 | $269,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 8 | $1,748,000 | $149,000 | $770,000 | $0 | $0 |
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 | 711 | $58,216,000 | $142,400 | $408,000 | $148,800 | $523,000 |
| Information not provided by applicant in mail or telephone application | 15 | $1,483,000 | $114,333 | $358,000 | $35,333 | $102,000 |
| Not applicable | 14 | $2,262,000 | $143,000 | $770,000 | $95,500 | $440,000 |
| Asian or Pacific Islander | 4 | $620,000 | $175,000 | $216,000 | $100,500 | $139,000 |
| Black | 3 | $135,000 | $45,000 | $58,000 | $40,000 | $57,000 |
| American Indian or Alaskan Native | 2 | $173,000 | $86,000 | $98,000 | $53,000 | $79,000 |
| Hispanic | 1 | $44,000 | $44,000 | $44,000 | $37,000 | $37,000 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $78,000 | $78,000 |
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) | 751 | $63,003,000 | $138,833 | $770,000 | $131,166 | $523,000 |
| 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 | 571 | $48,099,000 | $147,000 | $770,000 | $177,750 | $523,000 |
| Application Denied By Financial Institution | 77 | $4,990,000 | $90,250 | $322,000 | $51,250 | $227,000 |
| Loan Purchased By The Institution | 58 | $5,547,000 | $108,500 | $280,000 | $48,000 | $127,000 |
| Application Approved But Not Accepted | 24 | $2,155,000 | $121,500 | $339,000 | $94,500 | $263,000 |
| Application Withdrawn By Applicant | 17 | $1,852,000 | $107,000 | $320,000 | $58,500 | $152,000 |
| File Closed For Incompleteness | 4 | $360,000 | $91,666 | $160,000 | $113,333 | $266,000 |
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 | 28 | $1,555,000 | $73,000 | $160,000 | $54,666 | $87,000 |
| Debt-To-Income Ratio | 28 | $1,944,000 | $91,750 | $322,000 | $47,250 | $227,000 |
| Collateral | 15 | $1,118,000 | $81,000 | $160,000 | $51,500 | $82,000 |
| Employment History | 3 | $106,000 | $35,000 | $47,000 | $17,000 | $24,000 |
| Other | 2 | $161,000 | $80,000 | $150,000 | $111,000 | $153,000 |
| Mortgage Insurance Denied | 1 | $106,000 | $106,000 | $106,000 | $71,000 | $71,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Belmont Natl Bank C/O Sky Bank's 2003 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About