Second Nat'l Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2004
In 2004, Second Nat'l Bank C/O Sky Bank of Bowling Green, OH reported 3,247 mortgage applications totaling $316.0 million, down 77% from 2003. The average application was for $97,331, and applicants reported an average income of $69,342. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (640), Columbus, OH (469) and Akron, OH (403) (applications in parentheses).
| Mortgage Company & Address | Second Nat'l Bank C/O Sky Bank 137 Clough St Bowling Green, OH 43402 |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,247 |
| Total Mortgage Loan Application Amount | $316,034,000 |
| Average Mortgage Loan Application Amount | $97,331 |
| Highest Mortgage Loan Application Amount | $953,000 |
| Average Applicant Income | $69,342 |
| Highest Applicant Income | $1,298,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Trumbull, Ohio | 440 | $ 33,031,000 | $ 75,070 | $ 62,000 |
| Summit, Ohio | 244 | $ 25,971,000 | $ 106,438 | $ 69,000 |
| Franklin, Ohio | 204 | $ 17,400,000 | $ 85,294 | $ 79,000 |
| Mahoning, Ohio | 200 | $ 16,346,000 | $ 81,730 | $ 45,000 |
| Cuyahoga, Ohio | 198 | $ 23,674,000 | $ 119,565 | $ 76,000 |
| Portage, Ohio | 159 | $ 16,924,000 | $ 106,440 | $ 67,000 |
| Stark, Ohio | 139 | $ 13,097,000 | $ 94,223 | $ 61,000 |
| Ashtabula, Ohio | 107 | $ 6,904,000 | $ 64,523 | $ 51,000 |
| Union, Ohio | 84 | $ 7,803,000 | $ 92,892 | $ 66,000 |
| Wayne, Ohio | 83 | $ 7,928,000 | $ 95,518 | $ 62,000 |
| Hamilton, Ohio | 69 | $ 7,346,000 | $ 106,463 | $ 92,000 |
| Lorain, Ohio | 60 | $ 9,162,000 | $ 152,700 | $ 68,000 |
| Medina, Ohio | 55 | $ 6,689,000 | $ 121,618 | $ 82,000 |
| Delaware, Ohio | 51 | $ 6,823,000 | $ 133,784 | $ 95,000 |
| Licking, Ohio | 43 | $ 4,001,000 | $ 93,046 | $ 78,000 |
| Fairfield, Ohio | 40 | $ 4,903,000 | $ 122,575 | $ 78,000 |
| Butler, Ohio | 39 | $ 4,793,000 | $ 122,897 | $ 98,000 |
| Richland, Ohio | 39 | $ 3,598,000 | $ 92,256 | $ 63,000 |
| Allen, Indiana | 36 | $ 2,272,000 | $ 63,111 | $ 61,000 |
| St. Joseph, Indiana | 36 | $ 2,833,000 | $ 78,694 | $ 56,000 |
| Clinton, Ohio | 32 | $ 2,265,000 | $ 70,781 | $ 50,000 |
| Dearborn, Indiana | 31 | $ 2,730,000 | $ 88,064 | $ 64,000 |
| Jefferson, Kentucky | 31 | $ 3,267,000 | $ 105,387 | $ 68,000 |
| Geauga, Ohio | 30 | $ 4,698,000 | $ 156,600 | $ 70,000 |
| Tuscarawas, Ohio | 30 | $ 2,193,000 | $ 73,100 | $ 51,000 |
| Lucas, Ohio | 29 | $ 2,431,000 | $ 83,827 | $ 61,000 |
| Warren, Ohio | 29 | $ 2,881,000 | $ 99,344 | $ 72,000 |
| Lake, Ohio | 25 | $ 2,789,000 | $ 111,560 | $ 74,000 |
| Champaign, Ohio | 24 | $ 1,833,000 | $ 76,375 | $ 58,000 |
| Clermont, Ohio | 23 | $ 2,719,000 | $ 118,217 | $ 81,000 |
| York, Pennsylvania | 23 | $ 2,097,000 | $ 91,173 | $ 61,000 |
| Wood, Ohio | 21 | $ 2,276,000 | $ 108,380 | $ 64,000 |
| Pickaway, Ohio | 20 | $ 2,871,000 | $ 143,550 | $ 77,000 |
| Marion, Indiana | 19 | $ 1,800,000 | $ 94,736 | $ 67,000 |
| Columbiana, Ohio | 17 | $ 1,577,000 | $ 92,764 | $ 76,000 |
| Knox, Ohio | 17 | $ 1,589,000 | $ 93,470 | $ 52,000 |
| Madison, Ohio | 15 | $ 1,896,000 | $ 126,400 | $ 110,000 |
| Huron, Ohio | 14 | $ 1,204,000 | $ 86,000 | $ 66,000 |
| Logan, Ohio | 13 | $ 1,250,000 | $ 96,153 | $ 86,000 |
| Hamilton, Indiana | 12 | $ 1,031,000 | $ 85,916 | $ 81,000 |
| Ashland, Ohio | 12 | $ 1,623,000 | $ 135,250 | $ 62,000 |
| Holmes, Ohio | 12 | $ 846,000 | $ 70,500 | $ 47,000 |
| Morrow, Ohio | 12 | $ 1,588,000 | $ 132,333 | $ 73,000 |
| Ottawa, Ohio | 12 | $ 1,374,000 | $ 114,500 | $ 106,000 |
| Hendricks, Indiana | 11 | $ 1,104,000 | $ 100,363 | $ 78,000 |
| Brown, Ohio | 11 | $ 945,000 | $ 85,909 | $ 58,000 |
| Cass, Michigan | 10 | $ 1,361,000 | $ 136,100 | $ 67,000 |
| Marion, Ohio | 10 | $ 622,000 | $ 62,200 | $ 71,000 |
| Montgomery, Ohio | 10 | $ 527,000 | $ 52,700 | $ 54,000 |
| Erie, Ohio | 9 | $ 1,141,000 | $ 126,777 | $ 115,000 |
| Hocking, Ohio | 9 | $ 863,000 | $ 95,888 | $ 76,000 |
| Boone, Kentucky | 7 | $ 651,000 | $ 93,000 | $ 79,000 |
| Oldham, Kentucky | 7 | $ 1,049,000 | $ 149,857 | $ 70,000 |
| Morris, New Jersey | 7 | $ 1,349,000 | $ 192,714 | $ 117,000 |
| Allegheny, Pennsylvania | 7 | $ 813,000 | $ 116,142 | $ 106,000 |
| Elkhart, Indiana | 6 | $ 406,000 | $ 67,666 | $ 55,000 |
| Kosciusko, Indiana | 6 | $ 402,000 | $ 67,000 | $ 46,000 |
| Ripley, Indiana | 6 | $ 491,000 | $ 81,833 | $ 39,000 |
| Oakland, Michigan | 6 | $ 971,000 | $ 161,833 | $ 107,000 |
| Fayette, Ohio | 6 | $ 673,000 | $ 112,166 | $ 70,000 |
| Beaver, Pennsylvania | 6 | $ 260,000 | $ 43,333 | $ 51,000 |
| Lawrence, Pennsylvania | 6 | $ 619,000 | $ 103,166 | $ 99,000 |
| Palm Beach, Florida | 5 | $ 921,000 | $ 184,200 | $ 121,000 |
| Hancock, Indiana | 5 | $ 502,000 | $ 100,400 | $ 58,000 |
| Morgan, Indiana | 5 | $ 478,000 | $ 95,600 | $ 57,000 |
| Campbell, Kentucky | 5 | $ 301,000 | $ 60,200 | $ 46,000 |
| Berrien, Michigan | 5 | $ 605,000 | $ 121,000 | $ 50,000 |
| Greene, Ohio | 5 | $ 629,000 | $ 125,800 | $ 97,000 |
| Jefferson, Ohio | 5 | $ 408,000 | $ 81,600 | $ 56,000 |
| Miami, Ohio | 5 | $ 431,000 | $ 86,200 | $ 68,000 |
| Perry, Ohio | 5 | $ 610,000 | $ 122,000 | $ 60,000 |
| Sandusky, Ohio | 5 | $ 469,000 | $ 93,800 | $ 94,000 |
| Seneca, Ohio | 5 | $ 378,000 | $ 75,600 | $ 62,000 |
| Clark, Indiana | 4 | $ 282,000 | $ 70,500 | $ 48,000 |
| Henry, Indiana | 4 | $ 264,000 | $ 66,000 | $ 163,000 |
| Johnson, Indiana | 4 | $ 261,000 | $ 65,250 | $ 57,000 |
| Monroe, Indiana | 4 | $ 274,000 | $ 68,500 | $ 85,000 |
| Putnam, Indiana | 4 | $ 306,000 | $ 76,500 | $ 71,000 |
| Fayette, Kentucky | 4 | $ 488,000 | $ 122,000 | $ 94,000 |
| Kenton, Kentucky | 4 | $ 321,000 | $ 80,250 | $ 58,000 |
| Wayne, Michigan | 4 | $ 426,000 | $ 106,500 | $ 54,000 |
| Hancock, Ohio | 4 | $ 425,000 | $ 106,250 | $ 67,000 |
| Henry, Ohio | 4 | $ 307,000 | $ 76,750 | $ 40,000 |
| Muskingum, Ohio | 4 | $ 587,000 | $ 146,750 | $ 84,000 |
| Shelby, Ohio | 4 | $ 194,000 | $ 48,500 | $ 57,000 |
| Adams, Pennsylvania | 4 | $ 286,000 | $ 71,500 | $ 72,000 |
| Mercer, Pennsylvania | 4 | $ 395,000 | $ 98,750 | $ 95,000 |
| Washington, Pennsylvania | 4 | $ 449,000 | $ 112,250 | $ 76,000 |
| Duval, Florida | 3 | $ 356,000 | $ 118,666 | $ 178,000 |
| Harrison, Indiana | 3 | $ 126,000 | $ 42,000 | $ 63,000 |
| Whitley, Indiana | 3 | $ 280,000 | $ 93,333 | $ 60,000 |
| Ingham, Michigan | 3 | $ 302,000 | $ 100,666 | $ 109,000 |
| Livingston, Michigan | 3 | $ 465,000 | $ 155,000 | $ 38,000 |
| Warren, New Jersey | 3 | $ 349,000 | $ 116,333 | $ 54,000 |
| Belmont, Ohio | 3 | $ 324,000 | $ 108,000 | $ 36,000 |
| Cumberland, Pennsylvania | 3 | $ 398,000 | $ 132,666 | $ 122,000 |
| Broward, Florida | 2 | $ 289,000 | $ 144,500 | $ 55,000 |
| Lee, Florida | 2 | $ 550,000 | $ 275,000 | $ 489,000 |
| Pinellas, Florida | 2 | $ 228,000 | $ 114,000 | $ 33,000 |
| Franklin, Indiana | 2 | $ 446,000 | $ 223,000 | $ 69,000 |
| Howard, Indiana | 2 | $ 186,000 | $ 93,000 | $ 50,000 |
| Madison, Indiana | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Marshall, Indiana | 2 | $ 142,000 | $ 71,000 | $ 66,000 |
| Noble, Indiana | 2 | $ 85,000 | $ 42,500 | $ 100,000 |
| Scott, Indiana | 2 | $ 166,000 | $ 83,000 | $ 49,000 |
| Shelby, Indiana | 2 | $ 159,000 | $ 79,500 | $ 109,000 |
| Bullitt, Kentucky | 2 | $ 174,000 | $ 87,000 | $ 50,000 |
| Carroll, Kentucky | 2 | $ 75,000 | $ 37,500 | $ 40,000 |
| Hardin, Kentucky | 2 | $ 115,000 | $ 57,500 | $ 57,000 |
| Mason, Kentucky | 2 | $ 233,000 | $ 116,500 | $ 97,000 |
| Nelson, Kentucky | 2 | $ 99,000 | $ 49,500 | $ 40,000 |
| Pendleton, Kentucky | 2 | $ 213,000 | $ 106,500 | $ 76,000 |
| Spencer, Kentucky | 2 | $ 167,000 | $ 83,500 | $ 53,000 |
| Trimble, Kentucky | 2 | $ 221,000 | $ 110,500 | $ 36,000 |
| Lenawee, Michigan | 2 | $ 213,000 | $ 106,500 | $ 38,000 |
| Macomb, Michigan | 2 | $ 229,000 | $ 114,500 | $ 136,000 |
| Bergen, New Jersey | 2 | $ 636,000 | $ 318,000 | $ 285,000 |
| Ocean, New Jersey | 2 | $ 425,000 | $ 212,500 | $ 667,000 |
| Brunswick, North Carolina | 2 | $ 588,000 | $ 294,000 | $ 340,000 |
| Carroll, Ohio | 2 | $ 143,000 | $ 71,500 | $ 76,000 |
| Coshocton, Ohio | 2 | $ 246,000 | $ 123,000 | $ 60,000 |
| Crawford, Ohio | 2 | $ 121,000 | $ 60,500 | $ 47,000 |
| Darke, Ohio | 2 | $ 198,000 | $ 99,000 | $ 59,000 |
| Guernsey, Ohio | 2 | $ 172,000 | $ 86,000 | $ 48,000 |
| Hardin, Ohio | 2 | $ 104,000 | $ 52,000 | $ 48,000 |
| Ross, Ohio | 2 | $ 216,000 | $ 108,000 | $ 54,000 |
| Butler, Pennsylvania | 2 | $ 132,000 | $ 66,000 | $ 87,000 |
| Dauphin, Pennsylvania | 2 | $ 126,000 | $ 63,000 | $ 43,000 |
| Northampton, Pennsylvania | 2 | $ 222,000 | $ 111,000 | $ 47,000 |
| Rutland, Vermont | 2 | $ 339,000 | $ 169,500 | $ 74,000 |
| Jefferson, Alabama | 1 | $ 44,000 | $ 44,000 | $ 26,000 |
| Morgan, Alabama | 1 | $ 77,000 | $ 77,000 | $ 103,000 |
| Brevard, Florida | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Manatee, Florida | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Marion, Florida | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Pasco, Florida | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Sarasota, Florida | 1 | $ 163,000 | $ 163,000 | $ 87,000 |
| Brown, Indiana | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| DeKalb, Indiana | 1 | $ 222,000 | $ 222,000 | $ 119,000 |
| Floyd, Indiana | 1 | $ 79,000 | $ 79,000 | $ 43,000 |
| LaPorte, Indiana | 1 | $ 288,000 | $ 288,000 | $ 84,000 |
| Montgomery, Indiana | 1 | $ 149,000 | $ 149,000 | $ 85,000 |
| Steuben, Indiana | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Switzerland, Indiana | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Union, Indiana | 1 | $ 53,000 | $ 53,000 | $ 54,000 |
| Wells, Indiana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Breathitt, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 60,000 |
| Grant, Kentucky | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Calhoun, Michigan | 1 | $ 334,000 | $ 334,000 | $ 132,000 |
| Hillsdale, Michigan | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Kalamazoo, Michigan | 1 | $ 227,000 | $ 227,000 | $ 88,000 |
| Monroe, Michigan | 1 | $ 74,000 | $ 74,000 | $ 108,000 |
| Montcalm, Michigan | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Roscommon, Michigan | 1 | $ 121,000 | $ 121,000 | $ 48,000 |
| St. Joseph, Michigan | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Clay, Missouri | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
| Jackson, Missouri | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Essex, New Jersey | 1 | $ 164,000 | $ 164,000 | $ 108,000 |
| Hudson, New Jersey | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Middlesex, New Jersey | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Somerset, New Jersey | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 126,000 | $ 126,000 | $ 135,000 |
| Chautauqua, New York | 1 | $ 100,000 | $ 100,000 | $ 520,000 |
| Harnett, North Carolina | 1 | $ 53,000 | $ 53,000 | $ 45,000 |
| Allen, Ohio | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Auglaize, Ohio | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Clark, Ohio | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
| Fulton, Ohio | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Harrison, Ohio | 1 | $ 191,000 | $ 191,000 | $ 82,000 |
| Monroe, Ohio | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Noble, Ohio | 1 | $ 79,000 | $ 79,000 | $ 46,000 |
| Wyandot, Ohio | 1 | $ 201,000 | $ 201,000 | $ 70,000 |
| Bedford, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Bucks, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Crawford, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Indiana, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Lackawanna, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Lancaster, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Lehigh, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Luzerne, Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 68,000 |
| Montgomery, Pennsylvania | 1 | $ 266,000 | $ 266,000 | $ 180,000 |
| Somerset, Pennsylvania | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Beaufort, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| York, South Carolina | 1 | $ 82,000 | $ 82,000 | $ 120,000 |
| Jefferson, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Kenosha, Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 95,000 |
| Milwaukee, Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Outagamie, Wisconsin | 1 | $ 116,000 | $ 116,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Second Nat'l 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,646 | $166,444,000 | $108,357 | $953,000 | $107,428 | $520,000 |
| Home Purchase | 1,499 | $146,593,000 | $127,000 | $620,000 | $120,700 | $1,298,000 |
| Home Improvement | 102 | $2,997,000 | $26,000 | $193,000 | $71,666 | $336,000 |
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 | 2,878 | $279,375,000 | $118,500 | $620,000 | $128,125 | $1,298,000 |
| Not Provided | 188 | $19,497,000 | $106,200 | $953,000 | $62,000 | $251,000 |
| Black or African American | 106 | $7,762,000 | $81,200 | $334,000 | $50,000 | $242,000 |
| Asian | 39 | $4,717,000 | $113,250 | $311,000 | $69,500 | $323,000 |
| Hispanic | 20 | $2,280,000 | $143,000 | $302,000 | $67,750 | $120,000 |
| Not applicable | 14 | $1,989,000 | $142,000 | $250,000 | $14,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $414,000 | $207,000 | $225,000 | $219,000 | $333,000 |
| American Indian or Alaskan Native | 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) | 3,235 | $314,930,000 | $110,250 | $953,000 | $116,937 | $1,298,000 |
| FHA-insured (Federal Housing Administration) | 10 | $897,000 | $105,500 | $147,000 | $43,500 | $63,000 |
| VA-guaranteed (Veterans Administration) | 2 | $207,000 | $103,000 | $124,000 | $55,000 | $72,000 |
| 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 | 2,591 | $246,530,000 | $123,600 | $953,000 | $128,933 | $1,048,000 |
| Application Withdrawn By Applicant | 225 | $25,555,000 | $136,125 | $485,000 | $143,250 | $1,298,000 |
| Application Denied By Financial Institution | 208 | $19,431,000 | $101,571 | $400,000 | $50,142 | $270,000 |
| Application Approved But Not Accepted | 138 | $15,159,000 | $109,666 | $334,000 | $55,666 | $373,000 |
| File Closed For Incompleteness | 72 | $8,388,000 | $84,666 | $546,000 | $44,500 | $209,000 |
| Preapproval Denied by Financial Institution | 13 | $971,000 | $74,000 | $147,000 | $39,000 | $63,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 67 | $5,520,000 | $81,333 | $334,000 | $54,666 | $270,000 |
| Debt-To-Income Ratio | 64 | $6,217,000 | $93,000 | $400,000 | $58,500 | $150,000 |
| Collateral | 46 | $4,117,000 | $95,500 | $325,000 | $75,750 | $194,000 |
| Other | 27 | $2,092,000 | $73,250 | $280,000 | $37,500 | $180,000 |
| Employment History | 10 | $1,293,000 | $139,000 | $308,000 | $27,333 | $93,000 |
| Unverifiable Information | 4 | $584,000 | $146,000 | $334,000 | $136,000 | $218,000 |
| Credit Application Incomplete | 2 | $354,000 | $177,000 | $315,000 | $246,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Second Nat'l 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 Second Nat'l 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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