Metropolitan Bank C/O Sky Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Metropolitan Bank C/O Sky Bank 2003 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 | 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 | $152,607 |
| Highest Mortgage Loan Application Amount | $991,000 |
| Average Applicant Income | $101,857 |
| Highest Applicant Income | $816,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Metropolitan 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 Metropolitan 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 2003 breaks down Metropolitan 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 Metropolitan Bank C/O Sky Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Metropolitan 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 Metropolitan Bank C/O Sky Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cuyahoga County Ohio | 286 | $ 42,964,000 | $ 150,000 | $ 92,000 |
| Franklin County Ohio | 180 | $ 25,496,000 | $ 141,000 | $ 68,000 |
| Summit County Ohio | 163 | $ 24,198,000 | $ 148,000 | $ 74,000 |
| Cook County Illinois | 133 | $ 21,129,000 | $ 158,000 | $ 83,000 |
| Hamilton County Ohio | 118 | $ 18,972,000 | $ 160,000 | $ 77,000 |
| Lake County Ohio | 105 | $ 13,907,000 | $ 132,000 | $ 75,000 |
| Lucas County Ohio | 83 | $ 9,416,000 | $ 113,000 | $ 69,000 |
| Portage County Ohio | 80 | $ 15,426,000 | $ 192,000 | $ 98,000 |
| Geauga County Ohio | 77 | $ 13,544,000 | $ 175,000 | $ 93,000 |
| Delaware County Ohio | 65 | $ 12,845,000 | $ 197,000 | $ 89,000 |
| Clermont County Ohio | 64 | $ 11,322,000 | $ 176,000 | $ 94,000 |
| Butler County Ohio | 55 | $ 8,898,000 | $ 161,000 | $ 81,000 |
| Lake County Indiana | 51 | $ 8,274,000 | $ 162,000 | $ 84,000 |
| Medina County Ohio | 45 | $ 8,318,000 | $ 184,000 | $ 84,000 |
| Stark County Ohio | 42 | $ 6,284,000 | $ 149,000 | $ 95,000 |
| DuPage County Illinois | 41 | $ 7,471,000 | $ 182,000 | $ 97,000 |
| Lorain County Ohio | 39 | $ 6,368,000 | $ 163,000 | $ 126,000 |
| Kenton County Kentucky | 36 | $ 4,732,000 | $ 131,000 | $ 78,000 |
| Will County Illinois | 35 | $ 6,213,000 | $ 177,000 | $ 86,000 |
| Montgomery County Ohio | 33 | $ 4,242,000 | $ 128,000 | $ 80,000 |
| Warren County Ohio | 33 | $ 6,234,000 | $ 188,000 | $ 99,000 |
| Boone County Kentucky | 29 | $ 3,955,000 | $ 136,000 | $ 82,000 |
| Waukesha County Wisconsin | 29 | $ 4,968,000 | $ 171,000 | $ 121,000 |
| Campbell County Kentucky | 21 | $ 2,519,000 | $ 119,000 | $ 75,000 |
| Licking County Ohio | 20 | $ 3,032,000 | $ 151,000 | $ 73,000 |
| Allegheny County Pennsylvania | 16 | $ 1,834,000 | $ 114,000 | $ 69,000 |
| Marion County Indiana | 15 | $ 1,889,000 | $ 125,000 | $ 86,000 |
| Monroe County Michigan | 15 | $ 1,844,000 | $ 122,000 | $ 78,000 |
| Wood County Ohio | 14 | $ 2,014,000 | $ 143,000 | $ 54,000 |
| Porter County Indiana | 13 | $ 1,670,000 | $ 128,000 | $ 89,000 |
| Fairfield County Ohio | 13 | $ 1,853,000 | $ 142,000 | $ 66,000 |
| Morris County New Jersey | 11 | $ 1,579,000 | $ 143,000 | $ 88,000 |
| Milwaukee County Wisconsin | 10 | $ 1,244,000 | $ 124,000 | $ 86,000 |
| Ocean County New Jersey | 9 | $ 1,293,000 | $ 143,000 | $ 71,000 |
| Dane County Wisconsin | 9 | $ 1,296,000 | $ 144,000 | $ 85,000 |
| Kane County Illinois | 8 | $ 1,633,000 | $ 204,000 | $ 98,000 |
| Hamilton County Indiana | 8 | $ 1,283,000 | $ 160,000 | $ 88,000 |
| Bergen County New Jersey | 8 | $ 1,304,000 | $ 163,000 | $ 76,000 |
| Brown County Ohio | 8 | $ 1,054,000 | $ 131,000 | $ 67,000 |
| Bucks County Pennsylvania | 8 | $ 1,428,000 | $ 178,000 | $ 109,000 |
| Montgomery County Pennsylvania | 8 | $ 983,000 | $ 122,000 | $ 73,000 |
| Madison County Ohio | 7 | $ 1,284,000 | $ 183,000 | $ 72,000 |
| Union County Ohio | 7 | $ 1,010,000 | $ 144,000 | $ 55,000 |
| Butler County Pennsylvania | 6 | $ 1,062,000 | $ 177,000 | $ 80,000 |
| Lee County Florida | 5 | $ 814,000 | $ 162,000 | $ 394,000 |
| Burlington County New Jersey | 5 | $ 983,000 | $ 196,000 | $ 95,000 |
| Camden County New Jersey | 5 | $ 724,000 | $ 144,000 | $ 149,000 |
| Monmouth County New Jersey | 5 | $ 832,000 | $ 166,000 | $ 97,000 |
| Somerset County New Jersey | 5 | $ 816,000 | $ 163,000 | $ 126,000 |
| Greene County Ohio | 5 | $ 507,000 | $ 101,000 | $ 81,000 |
| Mahoning County Ohio | 5 | $ 572,000 | $ 114,000 | $ 60,000 |
| Chester County Pennsylvania | 5 | $ 1,156,000 | $ 231,000 | $ 112,000 |
| Dearborn County Indiana | 4 | $ 695,000 | $ 173,000 | $ 98,000 |
| Ashtabula County Ohio | 4 | $ 459,000 | $ 114,000 | $ 57,000 |
| Wayne County Ohio | 4 | $ 590,000 | $ 147,000 | $ 75,000 |
| Beaver County Pennsylvania | 4 | $ 425,000 | $ 106,000 | $ 49,000 |
| Washington County Wisconsin | 4 | $ 644,000 | $ 161,000 | $ 77,000 |
| Lake County Illinois | 3 | $ 990,000 | $ 330,000 | $ 85,000 |
| McHenry County Illinois | 3 | $ 733,000 | $ 244,000 | $ 90,000 |
| Macomb County Michigan | 3 | $ 417,000 | $ 139,000 | $ 121,000 |
| Oakland County Michigan | 3 | $ 419,000 | $ 139,000 | $ 77,000 |
| Essex County New Jersey | 3 | $ 418,000 | $ 139,000 | $ 79,000 |
| Union County New Jersey | 3 | $ 687,000 | $ 229,000 | $ 136,000 |
| Warren County New Jersey | 3 | $ 561,000 | $ 187,000 | $ 85,000 |
| Ashland County Ohio | 3 | $ 522,000 | $ 174,000 | $ 80,000 |
| Knox County Ohio | 3 | $ 834,000 | $ 278,000 | $ 154,000 |
| Trumbull County Ohio | 3 | $ 228,000 | $ 76,000 | $ 30,000 |
| Philadelphia County Pennsylvania | 3 | $ 321,000 | $ 107,000 | $ 78,000 |
| Westmoreland County Pennsylvania | 3 | $ 475,000 | $ 158,000 | $ 75,000 |
| Osceola County Florida | 2 | $ 159,000 | $ 79,000 | $ 50,000 |
| Sarasota County Florida | 2 | $ 169,000 | $ 84,000 | $ 61,000 |
| Hendricks County Indiana | 2 | $ 282,000 | $ 141,000 | $ 98,000 |
| Jefferson County Kentucky | 2 | $ 283,000 | $ 141,000 | $ 98,000 |
| Hillsdale County Michigan | 2 | $ 446,000 | $ 223,000 | $ 122,000 |
| Middlesex County New Jersey | 2 | $ 296,000 | $ 148,000 | $ 113,000 |
| Columbiana County Ohio | 2 | $ 300,000 | $ 150,000 | $ 193,000 |
| Fulton County Ohio | 2 | $ 279,000 | $ 139,000 | $ 59,000 |
| Highland County Ohio | 2 | $ 171,000 | $ 85,000 | $ 49,000 |
| Noble County Ohio | 2 | $ 176,000 | $ 88,000 | $ 61,000 |
| Pickaway County Ohio | 2 | $ 342,000 | $ 171,000 | $ 71,000 |
| Richland County Ohio | 2 | $ 349,000 | $ 174,000 | $ 96,000 |
| Horry County South Carolina | 2 | $ 204,000 | $ 102,000 | $ 152,000 |
| Lynchburg County Virginia | 2 | $ 400,000 | $ 200,000 | $ 21,000 |
| Racine County Wisconsin | 2 | $ 338,000 | $ 169,000 | $ 105,000 |
| Pulaski County Arkansas | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Boulder County Colorado | 1 | $ 93,000 | $ 93,000 | $ 160,000 |
| Collier County Florida | 1 | $ 357,000 | $ 357,000 | $ 288,000 |
| Lake County Florida | 1 | $ 92,000 | $ 92,000 | $ 69,000 |
| Miami-Dade County Florida | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Orange County Florida | 1 | $ 190,000 | $ 190,000 | $ 77,000 |
| Palm Beach County Florida | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Pasco County Florida | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Volusia County Florida | 1 | $ 101,000 | $ 101,000 | $ 118,000 |
| Fulton County Georgia | 1 | $ 154,000 | $ 154,000 | $ 139,000 |
| Gwinnett County Georgia | 1 | $ 170,000 | $ 170,000 | $ 98,000 |
| DeKalb County Illinois | 1 | $ 115,000 | $ 115,000 | $ 149,000 |
| Kankakee County Illinois | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Kendall County Illinois | 1 | $ 94,000 | $ 94,000 | $ 101,000 |
| Brown County Indiana | 1 | $ 154,000 | $ 154,000 | $ 311,000 |
| Hancock County Indiana | 1 | $ 153,000 | $ 153,000 | $ 67,000 |
| Jasper County Indiana | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Johnson County Indiana | 1 | $ 151,000 | $ 151,000 | $ 86,000 |
| LaPorte County Indiana | 1 | $ 208,000 | $ 208,000 | $ 95,000 |
| Ripley County Indiana | 1 | $ 136,000 | $ 136,000 | $ 56,000 |
| Bourbon County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 37,000 |
| Grant County Kentucky | 1 | $ 229,000 | $ 229,000 | $ 98,000 |
| Woodford County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Bay County Michigan | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Berrien County Michigan | 1 | $ 185,000 | $ 185,000 | $ 204,000 |
| Ingham County Michigan | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Kent County Michigan | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Lenawee County Michigan | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Livingston County Michigan | 1 | $ 167,000 | $ 167,000 | $ 87,000 |
| Hunterdon County New Jersey | 1 | $ 196,000 | $ 196,000 | $ 142,000 |
| Passaic County New Jersey | 1 | $ 108,000 | $ 108,000 | $ 85,000 |
| Sussex County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Dutchess County New York | 1 | $ 700,000 | $ 700,000 | $ 327,000 |
| Ontario County New York | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Adams County Ohio | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| Belmont County Ohio | 1 | $ 56,000 | $ 56,000 | $ 22,000 |
| Carroll County Ohio | 1 | $ 124,000 | $ 124,000 | $ 72,000 |
| Darke County Ohio | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Erie County Ohio | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
| Hancock County Ohio | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Hardin County Ohio | 1 | $ 128,000 | $ 128,000 | $ 20,000 |
| Hocking County Ohio | 1 | $ 97,000 | $ 97,000 | $ 142,000 |
| Miami County Ohio | 1 | $ 113,000 | $ 113,000 | $ 61,000 |
| Ottawa County Ohio | 1 | $ 88,000 | $ 88,000 | $ 98,000 |
| Perry County Ohio | 1 | $ 189,000 | $ 189,000 | $ 70,000 |
| Ross County Ohio | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Sandusky County Ohio | 1 | $ 315,000 | $ 315,000 | $ 258,000 |
| Scioto County Ohio | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Seneca County Ohio | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Cumberland County Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 214,000 |
| Delaware County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Erie County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Lancaster County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Lebanon County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 79,000 |
| Northampton County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Washington County Rhode Island | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Beaufort County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 165,000 |
| Greenwood County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| Fairfax County Virginia | 1 | $ 180,000 | $ 180,000 | $ 81,000 |
| Virginia Beach County Virginia | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Kanawha County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 150,000 |
| Pocahontas County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Langlade County Wisconsin | 1 | $ 166,000 | $ 166,000 | $ 112,000 |
| Ozaukee County Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Sheboygan County 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.