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records Metropolitan Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland-Lorain-Elyria, OH | 556 | $ 85,560,000 | $ 153,884 | $ 92,000 |
| Columbus, OH | 287 | $ 44,852,000 | $ 156,278 | $ 74,000 |
| Akron, OH | 243 | $ 39,624,000 | $ 163,061 | $ 82,000 |
| Chicago, IL | 225 | $ 38,378,000 | $ 170,568 | $ 90,000 |
| Cincinnati, OH-KY-IN | 223 | $ 37,582,000 | $ 168,529 | $ 85,000 |
| Toledo, OH | 99 | $ 11,709,000 | $ 118,272 | $ 64,000 |
| Gary, IN | 64 | $ 9,944,000 | $ 155,375 | $ 85,000 |
| Hamilton-Middletown, OH | 55 | $ 8,898,000 | $ 161,781 | $ 81,000 |
| Milwaukee-Waukesha, WI | 44 | $ 6,945,000 | $ 157,840 | $ 94,000 |
| Canton-Massillon, OH | 43 | $ 6,408,000 | $ 149,023 | $ 92,000 |
| Dayton-Springfield, OH | 39 | $ 4,862,000 | $ 124,666 | $ 78,000 |
| Pittsburgh, PA | 29 | $ 3,796,000 | $ 130,896 | $ 68,000 |
| Indianapolis, IN | 27 | $ 3,758,000 | $ 139,185 | $ 87,000 |
| Philadelphia, PA-NJ | 25 | $ 3,948,000 | $ 157,920 | $ 86,000 |
| Detroit, MI | 21 | $ 2,680,000 | $ 127,619 | $ 88,000 |
| Newark, NJ | 21 | $ 3,320,000 | $ 158,095 | $ 97,000 |
| Monmouth-Ocean, NJ | 14 | $ 2,125,000 | $ 151,785 | $ 77,000 |
| Youngstown-Warren, OH | 10 | $ 1,100,000 | $ 110,000 | $ 65,000 |
| Bergen-Passaic, NJ | 9 | $ 1,412,000 | $ 156,888 | $ 79,000 |
| Madison, WI | 9 | $ 1,296,000 | $ 144,000 | $ 85,000 |
| Middlesex-Somerset-Hunterdon, NJ | 8 | $ 1,308,000 | $ 163,500 | $ 126,000 |
| Fort Myers-Cape Coral, FL | 5 | $ 814,000 | $ 162,800 | $ 394,000 |
| Orlando, FL | 4 | $ 441,000 | $ 110,250 | $ 65,000 |
| Ann Arbor, MI | 2 | $ 219,000 | $ 109,500 | $ 67,000 |
| Atlanta, GA | 2 | $ 324,000 | $ 162,000 | $ 118,000 |
| Harrisburg-Lebanon-Carlisle, PA | 2 | $ 348,000 | $ 174,000 | $ 146,000 |
| Lexington, KY | 2 | $ 197,000 | $ 98,500 | $ 56,000 |
| Louisville, KY-IN | 2 | $ 283,000 | $ 141,500 | $ 98,000 |
| Lynchburg, VA | 2 | $ 400,000 | $ 200,000 | $ 21,000 |
| Mansfield, OH | 2 | $ 349,000 | $ 174,500 | $ 96,000 |
| Myrtle Beach, SC | 2 | $ 204,000 | $ 102,000 | $ 152,000 |
| Racine, WI | 2 | $ 338,000 | $ 169,000 | $ 105,000 |
| Sarasota-Bradenton, FL | 2 | $ 169,000 | $ 84,500 | $ 61,000 |
| Allentown-Bethlehem-Easton, PA | 1 | $ 141,000 | $ 141,000 | $ 70,000 |
| Benton Harbor, MI | 1 | $ 185,000 | $ 185,000 | $ 204,000 |
| Boulder-Longmont, CO | 1 | $ 93,000 | $ 93,000 | $ 160,000 |
| Charleston, WV | 1 | $ 100,000 | $ 100,000 | $ 150,000 |
| Daytona Beach, FL | 1 | $ 101,000 | $ 101,000 | $ 118,000 |
| Dutchess County, NY | 1 | $ 700,000 | $ 700,000 | $ 327,000 |
| Erie, PA | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Grand Rapids-Muskegon-Holland, MI | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Kankakee, IL | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Lancaster, PA | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Lansing-East Lansing, MI | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Little Rock-North Little Rock, AR | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Miami, FL | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Naples, FL | 1 | $ 357,000 | $ 357,000 | $ 288,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Rochester, NY | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Saginaw-Bay City-Midland, MI | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Sheboygan, WI | 1 | $ 177,000 | $ 177,000 | $ 228,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
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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