Prospect Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2004
In 2004, Prospect Bank C/O Sky Bank of Bowling Green, OH reported 300 mortgage applications totaling $61.4 million. The average application was for $204,686, and applicants reported an average income of $86,503. 83% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Columbus, OH (290), Dayton, OH (2) and Mansfield, OH (1) (applications in parentheses).
| Mortgage Company & Address | Prospect Bank C/O Sky Bank 137 Clough St Bowling Green, OH 43402 |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 300 |
| Total Mortgage Loan Application Amount | $61,406,000 |
| Average Mortgage Loan Application Amount | $204,686 |
| Highest Mortgage Loan Application Amount | $2,167,000 |
| Average Applicant Income | $86,503 |
| Highest Applicant Income | $460,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Prospect Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Franklin, Ohio | 238 | $ 43,918,000 | $ 184,529 | $ 86,000 |
| Delaware, Ohio | 38 | $ 11,891,000 | $ 312,921 | $ 137,000 |
| Fairfield, Ohio | 5 | $ 1,083,000 | $ 216,600 | $ 51,000 |
| Pickaway, Ohio | 3 | $ 739,000 | $ 246,333 | $ 99,000 |
| Hocking, Ohio | 2 | $ 182,000 | $ 91,000 | $ 111,000 |
| Licking, Ohio | 2 | $ 295,000 | $ 147,500 | $ 52,000 |
| Montgomery, Ohio | 2 | $ 2,070,000 | $ 1,035,000 | $ 0 |
| Morrow, Ohio | 2 | $ 322,000 | $ 161,000 | $ 32,000 |
| Brevard, Florida | 1 | $ 98,000 | $ 98,000 | $ 80,000 |
| Pinellas, Florida | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Fayette, Ohio | 1 | $ 150,000 | $ 150,000 | $ 28,000 |
| Knox, Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Madison, Ohio | 1 | $ 173,000 | $ 173,000 | $ 98,000 |
| Richland, Ohio | 1 | $ 141,000 | $ 141,000 | $ 105,000 |
| Union, Ohio | 1 | $ 37,000 | $ 37,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Prospect 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 | 201 | $41,413,000 | $158,500 | $1,840,000 | $85,500 | $460,000 |
| Refinancing | 95 | $19,558,000 | $163,000 | $2,167,000 | $44,000 | $396,000 |
| Home Improvement | 4 | $435,000 | $108,000 | $245,000 | $148,000 | $308,000 |
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 | 191 | $36,080,000 | $150,000 | $791,000 | $91,500 | $415,000 |
| Not applicable | 76 | $19,471,000 | $189,000 | $2,167,000 | $0 | $0 |
| Not Provided | 10 | $2,517,000 | $251,000 | $508,000 | $106,000 | $453,000 |
| Asian | 10 | $1,648,000 | $164,000 | $400,000 | $132,000 | $460,000 |
| Black or African American | 10 | $1,148,000 | $114,000 | $350,000 | $61,000 | $95,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $109,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $118,000 | $118,000 |
| American Indian or Alaskan Native | 1 | $292,000 | $292,000 | $292,000 | $146,000 | $146,000 |
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) | 300 | $61,406,000 | $145,333 | $2,167,000 | $57,666 | $460,000 |
| 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 | 248 | $50,836,000 | $145,666 | $2,167,000 | $57,333 | $460,000 |
| Application Withdrawn By Applicant | 48 | $9,629,000 | $200,000 | $791,000 | $87,000 | $415,000 |
| Application Approved But Not Accepted | 2 | $723,000 | $361,000 | $499,000 | $151,000 | $156,000 |
| Application Denied By Financial Institution | 2 | $218,000 | $109,000 | $125,000 | $74,000 | $76,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prospect 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 Prospect 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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