Metropolitan Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2003
In 2003, Metropolitan Bank C/O Sky Bank of Bowling Green, OH reported 2,247 mortgage applications totaling $348.0 million. The average application was for $154,882, and applicants reported an average income of $87,178. 63% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cleveland-Lorain-Elyria, OH (556), Columbus, OH (287) and Akron, OH (243) (applications in parentheses).
| Mortgage Company & Address | Metropolitan Bank C/O Sky Bank 221 S Church St Bowling Green, OH 43402 |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 2,247 |
| Total Mortgage Loan Application Amount | $348,021,000 |
| Average Mortgage Loan Application Amount | $154,882 |
| Highest Mortgage Loan Application Amount | $991,000 |
| Average Applicant Income | $87,178 |
| Highest Applicant Income | $816,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Metropolitan Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cuyahoga, Ohio | 286 | $ 42,964,000 | $ 150,223 | $ 92,000 |
| Franklin, Ohio | 180 | $ 25,496,000 | $ 141,644 | $ 68,000 |
| Summit, Ohio | 163 | $ 24,198,000 | $ 148,453 | $ 74,000 |
| Cook, Illinois | 133 | $ 21,129,000 | $ 158,864 | $ 83,000 |
| Hamilton, Ohio | 118 | $ 18,972,000 | $ 160,779 | $ 77,000 |
| Lake, Ohio | 105 | $ 13,907,000 | $ 132,447 | $ 75,000 |
| Lucas, Ohio | 83 | $ 9,416,000 | $ 113,445 | $ 69,000 |
| Portage, Ohio | 80 | $ 15,426,000 | $ 192,825 | $ 98,000 |
| Geauga, Ohio | 77 | $ 13,544,000 | $ 175,896 | $ 93,000 |
| Delaware, Ohio | 65 | $ 12,845,000 | $ 197,615 | $ 89,000 |
| Clermont, Ohio | 64 | $ 11,322,000 | $ 176,906 | $ 94,000 |
| Butler, Ohio | 55 | $ 8,898,000 | $ 161,781 | $ 81,000 |
| Lake, Indiana | 51 | $ 8,274,000 | $ 162,235 | $ 84,000 |
| Medina, Ohio | 45 | $ 8,318,000 | $ 184,844 | $ 84,000 |
| Stark, Ohio | 42 | $ 6,284,000 | $ 149,619 | $ 95,000 |
| DuPage, Illinois | 41 | $ 7,471,000 | $ 182,219 | $ 97,000 |
| Lorain, Ohio | 39 | $ 6,368,000 | $ 163,282 | $ 126,000 |
| Kenton, Kentucky | 36 | $ 4,732,000 | $ 131,444 | $ 78,000 |
| Will, Illinois | 35 | $ 6,213,000 | $ 177,514 | $ 86,000 |
| Montgomery, Ohio | 33 | $ 4,242,000 | $ 128,545 | $ 80,000 |
| Warren, Ohio | 33 | $ 6,234,000 | $ 188,909 | $ 99,000 |
| Boone, Kentucky | 29 | $ 3,955,000 | $ 136,379 | $ 82,000 |
| Waukesha, Wisconsin | 29 | $ 4,968,000 | $ 171,310 | $ 121,000 |
| Campbell, Kentucky | 21 | $ 2,519,000 | $ 119,952 | $ 75,000 |
| Licking, Ohio | 20 | $ 3,032,000 | $ 151,600 | $ 73,000 |
| Allegheny, Pennsylvania | 16 | $ 1,834,000 | $ 114,625 | $ 69,000 |
| Marion, Indiana | 15 | $ 1,889,000 | $ 125,933 | $ 86,000 |
| Monroe, Michigan | 15 | $ 1,844,000 | $ 122,933 | $ 78,000 |
| Wood, Ohio | 14 | $ 2,014,000 | $ 143,857 | $ 54,000 |
| Porter, Indiana | 13 | $ 1,670,000 | $ 128,461 | $ 89,000 |
| Fairfield, Ohio | 13 | $ 1,853,000 | $ 142,538 | $ 66,000 |
| Morris, New Jersey | 11 | $ 1,579,000 | $ 143,545 | $ 88,000 |
| Milwaukee, Wisconsin | 10 | $ 1,244,000 | $ 124,400 | $ 86,000 |
| Ocean, New Jersey | 9 | $ 1,293,000 | $ 143,666 | $ 71,000 |
| Dane, Wisconsin | 9 | $ 1,296,000 | $ 144,000 | $ 85,000 |
| Kane, Illinois | 8 | $ 1,633,000 | $ 204,125 | $ 98,000 |
| Hamilton, Indiana | 8 | $ 1,283,000 | $ 160,375 | $ 88,000 |
| Bergen, New Jersey | 8 | $ 1,304,000 | $ 163,000 | $ 76,000 |
| Brown, Ohio | 8 | $ 1,054,000 | $ 131,750 | $ 67,000 |
| Bucks, Pennsylvania | 8 | $ 1,428,000 | $ 178,500 | $ 109,000 |
| Montgomery, Pennsylvania | 8 | $ 983,000 | $ 122,875 | $ 73,000 |
| Madison, Ohio | 7 | $ 1,284,000 | $ 183,428 | $ 72,000 |
| Union, Ohio | 7 | $ 1,010,000 | $ 144,285 | $ 55,000 |
| Butler, Pennsylvania | 6 | $ 1,062,000 | $ 177,000 | $ 80,000 |
| Lee, Florida | 5 | $ 814,000 | $ 162,800 | $ 394,000 |
| Burlington, New Jersey | 5 | $ 983,000 | $ 196,600 | $ 95,000 |
| Camden, New Jersey | 5 | $ 724,000 | $ 144,800 | $ 149,000 |
| Monmouth, New Jersey | 5 | $ 832,000 | $ 166,400 | $ 97,000 |
| Somerset, New Jersey | 5 | $ 816,000 | $ 163,200 | $ 126,000 |
| Greene, Ohio | 5 | $ 507,000 | $ 101,400 | $ 81,000 |
| Mahoning, Ohio | 5 | $ 572,000 | $ 114,400 | $ 60,000 |
| Chester, Pennsylvania | 5 | $ 1,156,000 | $ 231,200 | $ 112,000 |
| Dearborn, Indiana | 4 | $ 695,000 | $ 173,750 | $ 98,000 |
| Ashtabula, Ohio | 4 | $ 459,000 | $ 114,750 | $ 57,000 |
| Wayne, Ohio | 4 | $ 590,000 | $ 147,500 | $ 75,000 |
| Beaver, Pennsylvania | 4 | $ 425,000 | $ 106,250 | $ 49,000 |
| Washington, Wisconsin | 4 | $ 644,000 | $ 161,000 | $ 77,000 |
| Lake, Illinois | 3 | $ 990,000 | $ 330,000 | $ 85,000 |
| McHenry, Illinois | 3 | $ 733,000 | $ 244,333 | $ 90,000 |
| Macomb, Michigan | 3 | $ 417,000 | $ 139,000 | $ 121,000 |
| Oakland, Michigan | 3 | $ 419,000 | $ 139,666 | $ 77,000 |
| Essex, New Jersey | 3 | $ 418,000 | $ 139,333 | $ 79,000 |
| Union, New Jersey | 3 | $ 687,000 | $ 229,000 | $ 136,000 |
| Warren, New Jersey | 3 | $ 561,000 | $ 187,000 | $ 85,000 |
| Ashland, Ohio | 3 | $ 522,000 | $ 174,000 | $ 80,000 |
| Knox, Ohio | 3 | $ 834,000 | $ 278,000 | $ 154,000 |
| Trumbull, Ohio | 3 | $ 228,000 | $ 76,000 | $ 30,000 |
| Philadelphia, Pennsylvania | 3 | $ 321,000 | $ 107,000 | $ 78,000 |
| Westmoreland, Pennsylvania | 3 | $ 475,000 | $ 158,333 | $ 75,000 |
| Osceola, Florida | 2 | $ 159,000 | $ 79,500 | $ 50,000 |
| Sarasota, Florida | 2 | $ 169,000 | $ 84,500 | $ 61,000 |
| Hendricks, Indiana | 2 | $ 282,000 | $ 141,000 | $ 98,000 |
| Jefferson, Kentucky | 2 | $ 283,000 | $ 141,500 | $ 98,000 |
| Hillsdale, Michigan | 2 | $ 446,000 | $ 223,000 | $ 122,000 |
| Middlesex, New Jersey | 2 | $ 296,000 | $ 148,000 | $ 113,000 |
| Columbiana, Ohio | 2 | $ 300,000 | $ 150,000 | $ 193,000 |
| Fulton, Ohio | 2 | $ 279,000 | $ 139,500 | $ 59,000 |
| Highland, Ohio | 2 | $ 171,000 | $ 85,500 | $ 49,000 |
| Noble, Ohio | 2 | $ 176,000 | $ 88,000 | $ 61,000 |
| Pickaway, Ohio | 2 | $ 342,000 | $ 171,000 | $ 71,000 |
| Richland, Ohio | 2 | $ 349,000 | $ 174,500 | $ 96,000 |
| Horry, South Carolina | 2 | $ 204,000 | $ 102,000 | $ 152,000 |
| Lynchburg, Virginia | 2 | $ 400,000 | $ 200,000 | $ 21,000 |
| Racine, Wisconsin | 2 | $ 338,000 | $ 169,000 | $ 105,000 |
| Pulaski, Arkansas | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Boulder, Colorado | 1 | $ 93,000 | $ 93,000 | $ 160,000 |
| Collier, Florida | 1 | $ 357,000 | $ 357,000 | $ 288,000 |
| Lake, Florida | 1 | $ 92,000 | $ 92,000 | $ 69,000 |
| Miami-Dade, Florida | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Orange, Florida | 1 | $ 190,000 | $ 190,000 | $ 77,000 |
| Palm Beach, Florida | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Pasco, Florida | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Volusia, Florida | 1 | $ 101,000 | $ 101,000 | $ 118,000 |
| Fulton, Georgia | 1 | $ 154,000 | $ 154,000 | $ 139,000 |
| Gwinnett, Georgia | 1 | $ 170,000 | $ 170,000 | $ 98,000 |
| DeKalb, Illinois | 1 | $ 115,000 | $ 115,000 | $ 149,000 |
| Kankakee, Illinois | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Kendall, Illinois | 1 | $ 94,000 | $ 94,000 | $ 101,000 |
| Brown, Indiana | 1 | $ 154,000 | $ 154,000 | $ 311,000 |
| Hancock, Indiana | 1 | $ 153,000 | $ 153,000 | $ 67,000 |
| Jasper, Indiana | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Johnson, Indiana | 1 | $ 151,000 | $ 151,000 | $ 86,000 |
| LaPorte, Indiana | 1 | $ 208,000 | $ 208,000 | $ 95,000 |
| Ripley, Indiana | 1 | $ 136,000 | $ 136,000 | $ 56,000 |
| Bourbon, Kentucky | 1 | $ 87,000 | $ 87,000 | $ 37,000 |
| Grant, Kentucky | 1 | $ 229,000 | $ 229,000 | $ 98,000 |
| Woodford, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Bay, Michigan | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Berrien, Michigan | 1 | $ 185,000 | $ 185,000 | $ 204,000 |
| Ingham, Michigan | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Kent, Michigan | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Lenawee, Michigan | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Livingston, Michigan | 1 | $ 167,000 | $ 167,000 | $ 87,000 |
| Hunterdon, New Jersey | 1 | $ 196,000 | $ 196,000 | $ 142,000 |
| Passaic, New Jersey | 1 | $ 108,000 | $ 108,000 | $ 85,000 |
| Sussex, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Dutchess, New York | 1 | $ 700,000 | $ 700,000 | $ 327,000 |
| Ontario, New York | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Adams, Ohio | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| Belmont, Ohio | 1 | $ 56,000 | $ 56,000 | $ 22,000 |
| Carroll, Ohio | 1 | $ 124,000 | $ 124,000 | $ 72,000 |
| Darke, Ohio | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Erie, Ohio | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
| Hancock, Ohio | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Hardin, Ohio | 1 | $ 128,000 | $ 128,000 | $ 20,000 |
| Hocking, Ohio | 1 | $ 97,000 | $ 97,000 | $ 142,000 |
| Miami, Ohio | 1 | $ 113,000 | $ 113,000 | $ 61,000 |
| Ottawa, Ohio | 1 | $ 88,000 | $ 88,000 | $ 98,000 |
| Perry, Ohio | 1 | $ 189,000 | $ 189,000 | $ 70,000 |
| Ross, Ohio | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Sandusky, Ohio | 1 | $ 315,000 | $ 315,000 | $ 258,000 |
| Scioto, Ohio | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Seneca, Ohio | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Cumberland, Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 214,000 |
| Delaware, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Erie, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Lancaster, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Lebanon, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 79,000 |
| Northampton, Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Washington, Rhode Island | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Beaufort, South Carolina | 1 | $ 395,000 | $ 395,000 | $ 165,000 |
| Greenwood, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| Fairfax, Virginia | 1 | $ 180,000 | $ 180,000 | $ 81,000 |
| Virginia Beach, Virginia | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Kanawha, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 150,000 |
| Pocahontas, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Langlade, Wisconsin | 1 | $ 166,000 | $ 166,000 | $ 112,000 |
| Ozaukee, Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Sheboygan, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 228,000 |
Mortgage Loan Application Detail Totals for Metropolitan 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) | 1,863 | $286,129,000 | $142,875 | $780,000 | $107,750 | $816,000 |
| Home Purchase (one-to-four family) | 384 | $61,892,000 | $165,583 | $991,000 | $94,000 | $698,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $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 | 2,142 | $330,708,000 | $157,000 | $991,000 | $108,529 | $816,000 |
| Black | 35 | $4,987,000 | $178,400 | $288,000 | $79,000 | $135,000 |
| Asian or Pacific Islander | 29 | $5,011,000 | $181,000 | $403,000 | $86,000 | $185,000 |
| Other | 26 | $4,548,000 | $181,000 | $323,000 | $152,800 | $334,000 |
| Hispanic | 13 | $2,459,000 | $191,200 | $636,000 | $85,200 | $221,000 |
| American Indian or Alaskan Native | 2 | $308,000 | $154,000 | $192,000 | $70,500 | $82,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 2,176 | $338,449,000 | $157,470 | $991,000 | $108,529 | $816,000 |
| FHA-insured (Federal Housing Administration) | 64 | $8,550,000 | $136,000 | $212,000 | $58,500 | $160,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,022,000 | $146,000 | $207,000 | $64,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,422 | $215,109,000 | $164,000 | $780,000 | $115,882 | $816,000 |
| Loan Purchased By The Institution | 673 | $105,786,000 | $150,333 | $750,000 | $87,222 | $611,000 |
| Application Denied By Financial Institution | 71 | $14,295,000 | $169,600 | $991,000 | $94,200 | $296,000 |
| Application Approved But Not Accepted | 42 | $6,908,000 | $155,800 | $472,000 | $70,000 | $284,000 |
| Application Withdrawn By Applicant | 37 | $5,661,000 | $147,500 | $400,000 | $79,750 | $288,000 |
| File Closed For Incompleteness | 2 | $262,000 | $131,000 | $218,000 | $53,000 | $69,000 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $5,464,000 | $199,600 | $649,000 | $81,000 | $165,000 |
| Collateral | 18 | $4,297,000 | $183,250 | $991,000 | $109,250 | $296,000 |
| Credit History | 11 | $1,711,000 | $144,333 | $301,000 | $83,666 | $267,000 |
| Credit Application Incomplete | 10 | $1,538,000 | $128,000 | $240,000 | $98,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $575,000 | $287,000 | $323,000 | $176,000 | $280,000 |
| Unverifiable Information | 2 | $436,000 | $218,000 | $384,000 | $86,000 | $150,000 |
| Other | 1 | $220,000 | $220,000 | $220,000 | $61,000 | $61,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Metropolitan 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 Metropolitan 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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