Second Nat'l Bank C/O Sky Bank Mortgage Lending & HMDA Data, 2003
In 2003, Second Nat'l Bank C/O Sky Bank of Bowling Green, OH reported 14,080 mortgage applications totaling $1.5 billion. The average application was for $104,854, and applicants reported an average income of $76,390. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Youngstown-Warren, OH (2,920), Cleveland-Lorain-Elyria, OH (2,463) and Akron, OH (2,051) (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 | 14,080 |
| Total Mortgage Loan Application Amount | $1,476,350,000 |
| Average Mortgage Loan Application Amount | $104,854 |
| Highest Mortgage Loan Application Amount | $2,208,000 |
| Average Applicant Income | $76,390 |
| Highest Applicant Income | $3,888,000 |
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records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,983 | $ 163,895,000 | $ 82,650 | $ 60,000 |
| Summit, Ohio | 1,242 | $ 144,185,000 | $ 116,090 | $ 74,000 |
| Cuyahoga, Ohio | 1,023 | $ 128,406,000 | $ 125,519 | $ 70,000 |
| Franklin, Ohio | 969 | $ 98,929,000 | $ 102,093 | $ 75,000 |
| Mahoning, Ohio | 883 | $ 74,027,000 | $ 83,835 | $ 87,000 |
| Stark, Ohio | 813 | $ 81,861,000 | $ 100,690 | $ 57,000 |
| Portage, Ohio | 809 | $ 86,144,000 | $ 106,482 | $ 65,000 |
| Ashtabula, Ohio | 531 | $ 40,604,000 | $ 76,467 | $ 54,000 |
| Hamilton, Ohio | 411 | $ 52,235,000 | $ 127,092 | $ 236,000 |
| Union, Ohio | 288 | $ 31,918,000 | $ 110,826 | $ 71,000 |
| Lorain, Ohio | 268 | $ 34,778,000 | $ 129,768 | $ 70,000 |
| Delaware, Ohio | 264 | $ 39,378,000 | $ 149,159 | $ 94,000 |
| Medina, Ohio | 236 | $ 33,101,000 | $ 140,258 | $ 78,000 |
| Lake, Ohio | 211 | $ 22,136,000 | $ 104,909 | $ 66,000 |
| Butler, Ohio | 207 | $ 22,220,000 | $ 107,342 | $ 78,000 |
| Geauga, Ohio | 194 | $ 29,833,000 | $ 153,778 | $ 75,000 |
| Wayne, Ohio | 193 | $ 17,872,000 | $ 92,601 | $ 100,000 |
| Richland, Ohio | 162 | $ 14,509,000 | $ 89,561 | $ 70,000 |
| Warren, Ohio | 149 | $ 18,523,000 | $ 124,315 | $ 92,000 |
| Clermont, Ohio | 131 | $ 16,494,000 | $ 125,908 | $ 71,000 |
| Tuscarawas, Ohio | 127 | $ 10,309,000 | $ 81,173 | $ 55,000 |
| York, Pennsylvania | 119 | $ 9,707,000 | $ 81,571 | $ 65,000 |
| Lucas, Ohio | 118 | $ 13,478,000 | $ 114,220 | $ 75,000 |
| Licking, Ohio | 109 | $ 11,961,000 | $ 109,733 | $ 77,000 |
| Clinton, Ohio | 108 | $ 9,965,000 | $ 92,268 | $ 69,000 |
| Fairfield, Ohio | 107 | $ 13,425,000 | $ 125,467 | $ 103,000 |
| Knox, Ohio | 98 | $ 7,460,000 | $ 76,122 | $ 46,000 |
| Erie, Ohio | 95 | $ 10,264,000 | $ 108,042 | $ 62,000 |
| Dearborn, Indiana | 91 | $ 10,727,000 | $ 117,879 | $ 89,000 |
| St. Joseph, Indiana | 91 | $ 7,226,000 | $ 79,406 | $ 62,000 |
| Jefferson, Kentucky | 88 | $ 9,435,000 | $ 107,215 | $ 99,000 |
| Montgomery, Ohio | 61 | $ 5,209,000 | $ 85,393 | $ 62,000 |
| Champaign, Ohio | 58 | $ 4,801,000 | $ 82,775 | $ 58,000 |
| Columbiana, Ohio | 54 | $ 4,823,000 | $ 89,314 | $ 57,000 |
| Kenton, Kentucky | 52 | $ 6,112,000 | $ 117,538 | $ 73,000 |
| Madison, Ohio | 46 | $ 5,486,000 | $ 119,260 | $ 82,000 |
| Allen, Indiana | 45 | $ 3,262,000 | $ 72,488 | $ 69,000 |
| Marion, Indiana | 43 | $ 3,924,000 | $ 91,255 | $ 52,000 |
| Morris, New Jersey | 43 | $ 8,907,000 | $ 207,139 | $ 133,000 |
| Logan, Ohio | 42 | $ 3,388,000 | $ 80,666 | $ 66,000 |
| Boone, Kentucky | 40 | $ 5,331,000 | $ 133,275 | $ 86,000 |
| Belmont, Ohio | 40 | $ 2,329,000 | $ 58,225 | $ 54,000 |
| Carroll, Ohio | 38 | $ 3,183,000 | $ 83,763 | $ 79,000 |
| Warren, New Jersey | 35 | $ 6,422,000 | $ 183,485 | $ 91,000 |
| Allegheny, Pennsylvania | 35 | $ 3,714,000 | $ 106,114 | $ 63,000 |
| Morrow, Ohio | 34 | $ 3,202,000 | $ 94,176 | $ 64,000 |
| Ashland, Ohio | 33 | $ 2,904,000 | $ 88,000 | $ 57,000 |
| Pickaway, Ohio | 33 | $ 3,829,000 | $ 116,030 | $ 73,000 |
| Wood, Ohio | 33 | $ 4,060,000 | $ 123,030 | $ 76,000 |
| Franklin, Indiana | 32 | $ 4,623,000 | $ 144,468 | $ 67,000 |
| Ottawa, Ohio | 31 | $ 3,473,000 | $ 112,032 | $ 84,000 |
| Adams, Pennsylvania | 30 | $ 2,194,000 | $ 73,133 | $ 65,000 |
| Jefferson, Ohio | 29 | $ 1,745,000 | $ 60,172 | $ 61,000 |
| Campbell, Kentucky | 28 | $ 3,307,000 | $ 118,107 | $ 73,000 |
| Sussex, New Jersey | 26 | $ 4,801,000 | $ 184,653 | $ 97,000 |
| Holmes, Ohio | 26 | $ 2,479,000 | $ 95,346 | $ 71,000 |
| Highland, Ohio | 25 | $ 2,011,000 | $ 80,440 | $ 62,000 |
| Huron, Ohio | 25 | $ 2,459,000 | $ 98,360 | $ 61,000 |
| Hamilton, Indiana | 24 | $ 2,738,000 | $ 114,083 | $ 94,000 |
| Bullitt, Kentucky | 23 | $ 2,251,000 | $ 97,869 | $ 79,000 |
| Oldham, Kentucky | 22 | $ 2,700,000 | $ 122,727 | $ 82,000 |
| Marion, Ohio | 22 | $ 1,537,000 | $ 69,863 | $ 65,000 |
| Mercer, Pennsylvania | 21 | $ 2,193,000 | $ 104,428 | $ 61,000 |
| Brown, Ohio | 20 | $ 1,964,000 | $ 98,200 | $ 63,000 |
| Hancock, Ohio | 20 | $ 2,791,000 | $ 139,550 | $ 88,000 |
| Shelby, Kentucky | 19 | $ 1,560,000 | $ 82,105 | $ 80,000 |
| Elkhart, Indiana | 16 | $ 1,498,000 | $ 93,625 | $ 77,000 |
| Fayette, Kentucky | 16 | $ 1,678,000 | $ 104,875 | $ 94,000 |
| Sandusky, Ohio | 16 | $ 1,732,000 | $ 108,250 | $ 62,000 |
| Essex, New Jersey | 15 | $ 2,411,000 | $ 160,733 | $ 87,000 |
| Lawrence, Pennsylvania | 15 | $ 2,497,000 | $ 166,466 | $ 86,000 |
| Ripley, Indiana | 14 | $ 1,558,000 | $ 111,285 | $ 55,000 |
| Crawford, Ohio | 14 | $ 964,000 | $ 68,857 | $ 45,000 |
| Greene, Ohio | 14 | $ 1,561,000 | $ 111,500 | $ 79,000 |
| Butler, Pennsylvania | 14 | $ 1,681,000 | $ 120,071 | $ 90,000 |
| Somerset, New Jersey | 12 | $ 2,122,000 | $ 176,833 | $ 75,000 |
| Clark, Ohio | 12 | $ 1,480,000 | $ 123,333 | $ 84,000 |
| Beaver, Pennsylvania | 12 | $ 965,000 | $ 80,416 | $ 54,000 |
| Clark, Indiana | 11 | $ 730,000 | $ 66,363 | $ 58,000 |
| Floyd, Indiana | 11 | $ 987,000 | $ 89,727 | $ 99,000 |
| Ross, Ohio | 11 | $ 1,164,000 | $ 105,818 | $ 67,000 |
| Coshocton, Ohio | 10 | $ 850,000 | $ 85,000 | $ 42,000 |
| Muskingum, Ohio | 10 | $ 1,243,000 | $ 124,300 | $ 77,000 |
| Dauphin, Pennsylvania | 10 | $ 707,000 | $ 70,700 | $ 63,000 |
| Ohio, West Virginia | 10 | $ 369,000 | $ 36,900 | $ 35,000 |
| Fayette, Ohio | 9 | $ 854,000 | $ 94,888 | $ 51,000 |
| Crawford, Pennsylvania | 9 | $ 567,000 | $ 63,000 | $ 87,000 |
| Erie, Pennsylvania | 9 | $ 685,000 | $ 76,111 | $ 41,000 |
| Johnson, Indiana | 8 | $ 853,000 | $ 106,625 | $ 57,000 |
| Washtenaw, Michigan | 8 | $ 1,419,000 | $ 177,375 | $ 151,000 |
| Middlesex, New Jersey | 8 | $ 1,359,000 | $ 169,875 | $ 99,000 |
| Steuben, Indiana | 7 | $ 680,000 | $ 97,142 | $ 76,000 |
| Lenawee, Michigan | 7 | $ 720,000 | $ 102,857 | $ 57,000 |
| Passaic, New Jersey | 7 | $ 1,755,000 | $ 250,714 | $ 87,000 |
| Preble, Ohio | 7 | $ 833,000 | $ 119,000 | $ 60,000 |
| Cumberland, Pennsylvania | 7 | $ 580,000 | $ 82,857 | $ 90,000 |
| Hendricks, Indiana | 6 | $ 673,000 | $ 112,166 | $ 85,000 |
| Monroe, Michigan | 6 | $ 830,000 | $ 138,333 | $ 65,000 |
| Fulton, Ohio | 6 | $ 494,000 | $ 82,333 | $ 42,000 |
| Guernsey, Ohio | 6 | $ 632,000 | $ 105,333 | $ 95,000 |
| Perry, Ohio | 6 | $ 634,000 | $ 105,666 | $ 77,000 |
| Williams, Ohio | 6 | $ 487,000 | $ 81,166 | $ 60,000 |
| Washington, Pennsylvania | 6 | $ 791,000 | $ 131,833 | $ 91,000 |
| Westmoreland, Pennsylvania | 6 | $ 625,000 | $ 104,166 | $ 59,000 |
| DeKalb, Indiana | 5 | $ 402,000 | $ 80,400 | $ 63,000 |
| Harrison, Indiana | 5 | $ 388,000 | $ 77,600 | $ 55,000 |
| LaPorte, Indiana | 5 | $ 542,000 | $ 108,400 | $ 103,000 |
| Grant, Kentucky | 5 | $ 413,000 | $ 82,600 | $ 97,000 |
| Jackson, Michigan | 5 | $ 673,000 | $ 134,600 | $ 87,000 |
| Macomb, Michigan | 5 | $ 564,000 | $ 112,800 | $ 35,000 |
| Hunterdon, New Jersey | 5 | $ 1,089,000 | $ 217,800 | $ 102,000 |
| Monmouth, New Jersey | 5 | $ 995,000 | $ 199,000 | $ 109,000 |
| Adams, Ohio | 5 | $ 589,000 | $ 117,800 | $ 66,000 |
| Defiance, Ohio | 5 | $ 358,000 | $ 71,600 | $ 41,000 |
| Hocking, Ohio | 5 | $ 363,000 | $ 72,600 | $ 69,000 |
| Jackson, Ohio | 5 | $ 450,000 | $ 90,000 | $ 60,000 |
| Miami, Ohio | 5 | $ 521,000 | $ 104,200 | $ 69,000 |
| Paulding, Ohio | 5 | $ 297,000 | $ 59,400 | $ 71,000 |
| Seneca, Ohio | 5 | $ 623,000 | $ 124,600 | $ 68,000 |
| Washington, Ohio | 5 | $ 306,000 | $ 61,200 | $ 67,000 |
| Lancaster, Pennsylvania | 5 | $ 274,000 | $ 54,800 | $ 50,000 |
| Palm Beach, Florida | 4 | $ 707,000 | $ 176,750 | $ 168,000 |
| Pinellas, Florida | 4 | $ 468,000 | $ 117,000 | $ 169,000 |
| Boone, Indiana | 4 | $ 419,000 | $ 104,750 | $ 65,000 |
| Marshall, Indiana | 4 | $ 572,000 | $ 143,000 | $ 76,000 |
| Morgan, Indiana | 4 | $ 481,000 | $ 120,250 | $ 131,000 |
| Breckinridge, Kentucky | 4 | $ 273,000 | $ 68,250 | $ 78,000 |
| Washington, Maryland | 4 | $ 466,000 | $ 116,500 | $ 96,000 |
| Cass, Michigan | 4 | $ 298,000 | $ 74,500 | $ 68,000 |
| Hillsdale, Michigan | 4 | $ 543,000 | $ 135,750 | $ 71,000 |
| Oakland, Michigan | 4 | $ 699,000 | $ 174,750 | $ 109,000 |
| Bergen, New Jersey | 4 | $ 885,000 | $ 221,250 | $ 79,000 |
| Hudson, New Jersey | 4 | $ 554,000 | $ 138,500 | $ 91,000 |
| Ocean, New Jersey | 4 | $ 680,000 | $ 170,000 | $ 83,000 |
| Union, New Jersey | 4 | $ 742,000 | $ 185,500 | $ 107,000 |
| Mercer, Ohio | 4 | $ 482,000 | $ 120,500 | $ 52,000 |
| Blair, Pennsylvania | 4 | $ 287,000 | $ 71,750 | $ 59,000 |
| Bucks, Pennsylvania | 4 | $ 544,000 | $ 136,000 | $ 89,000 |
| Centre, Pennsylvania | 4 | $ 312,000 | $ 78,000 | $ 67,000 |
| Lackawanna, Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 52,000 |
| Northampton, Pennsylvania | 4 | $ 429,000 | $ 107,250 | $ 90,000 |
| Wayne, Pennsylvania | 4 | $ 396,000 | $ 99,000 | $ 61,000 |
| Kenosha, Wisconsin | 4 | $ 307,000 | $ 76,750 | $ 64,000 |
| Jefferson, Alabama | 3 | $ 336,000 | $ 112,000 | $ 65,000 |
| Shelby, Alabama | 3 | $ 360,000 | $ 120,000 | $ 85,000 |
| Hancock, Indiana | 3 | $ 338,000 | $ 112,666 | $ 65,000 |
| Ohio, Indiana | 3 | $ 346,000 | $ 115,333 | $ 70,000 |
| Shelby, Indiana | 3 | $ 209,000 | $ 69,666 | $ 66,000 |
| Anderson, Kentucky | 3 | $ 244,000 | $ 81,333 | $ 70,000 |
| Pendleton, Kentucky | 3 | $ 335,000 | $ 111,666 | $ 57,000 |
| Woodford, Kentucky | 3 | $ 354,000 | $ 118,000 | $ 70,000 |
| St. Tammany, Louisiana | 3 | $ 328,000 | $ 109,333 | $ 78,000 |
| Ingham, Michigan | 3 | $ 499,000 | $ 166,333 | $ 73,000 |
| Kalamazoo, Michigan | 3 | $ 544,000 | $ 181,333 | $ 82,000 |
| Mercer, New Jersey | 3 | $ 371,000 | $ 123,666 | $ 54,000 |
| Darke, Ohio | 3 | $ 246,000 | $ 82,000 | $ 93,000 |
| Hardin, Ohio | 3 | $ 143,000 | $ 47,666 | $ 74,000 |
| Henry, Ohio | 3 | $ 207,000 | $ 69,000 | $ 29,000 |
| Franklin, Pennsylvania | 3 | $ 294,000 | $ 98,000 | $ 49,000 |
| Monroe, Pennsylvania | 3 | $ 299,000 | $ 99,666 | $ 54,000 |
| Beaufort, South Carolina | 3 | $ 188,000 | $ 62,666 | $ 19,000 |
| Brooke, West Virginia | 3 | $ 345,000 | $ 115,000 | $ 69,000 |
| Hancock, West Virginia | 3 | $ 147,000 | $ 49,000 | $ 39,000 |
| Mobile, Alabama | 2 | $ 181,000 | $ 90,500 | $ 51,000 |
| Sussex, Delaware | 2 | $ 238,000 | $ 119,000 | $ 62,000 |
| Brevard, Florida | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Duval, Florida | 2 | $ 149,000 | $ 74,500 | $ 67,000 |
| Lee, Florida | 2 | $ 651,000 | $ 325,500 | $ 141,000 |
| Miami-Dade, Florida | 2 | $ 526,000 | $ 263,000 | $ 220,000 |
| Monroe, Florida | 2 | $ 540,000 | $ 270,000 | $ 1,061,000 |
| Pasco, Florida | 2 | $ 308,000 | $ 154,000 | $ 77,000 |
| Sarasota, Florida | 2 | $ 288,000 | $ 144,000 | $ 117,000 |
| Bartholomew, Indiana | 2 | $ 103,000 | $ 51,500 | $ 40,000 |
| Decatur, Indiana | 2 | $ 124,000 | $ 62,000 | $ 28,000 |
| Kosciusko, Indiana | 2 | $ 77,000 | $ 38,500 | $ 117,000 |
| Madison, Indiana | 2 | $ 206,000 | $ 103,000 | $ 96,000 |
| Montgomery, Indiana | 2 | $ 90,000 | $ 45,000 | $ 47,000 |
| Noble, Indiana | 2 | $ 96,000 | $ 48,000 | $ 29,000 |
| Switzerland, Indiana | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Johnson, Kansas | 2 | $ 126,000 | $ 63,000 | $ 48,000 |
| Boyle, Kentucky | 2 | $ 54,000 | $ 27,000 | $ 51,000 |
| Carroll, Kentucky | 2 | $ 93,000 | $ 46,500 | $ 51,000 |
| Hardin, Kentucky | 2 | $ 161,000 | $ 80,500 | $ 79,000 |
| Henry, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Mason, Kentucky | 2 | $ 176,000 | $ 88,000 | $ 48,000 |
| Trimble, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Howard, Maryland | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Berrien, Michigan | 2 | $ 72,000 | $ 36,000 | $ 167,000 |
| Calhoun, Michigan | 2 | $ 264,000 | $ 132,000 | $ 62,000 |
| Leelanau, Michigan | 2 | $ 435,000 | $ 217,500 | $ 300,000 |
| Wayne, Michigan | 2 | $ 144,000 | $ 72,000 | $ 17,000 |
| St. Louis, Missouri | 2 | $ 368,000 | $ 184,000 | $ 70,000 |
| Mecklenburg, North Carolina | 2 | $ 178,000 | $ 89,000 | $ 56,000 |
| Athens, Ohio | 2 | $ 244,000 | $ 122,000 | $ 121,000 |
| Auglaize, Ohio | 2 | $ 134,000 | $ 67,000 | $ 66,000 |
| Harrison, Ohio | 2 | $ 175,000 | $ 87,500 | $ 49,000 |
| Monroe, Ohio | 2 | $ 185,000 | $ 92,500 | $ 80,000 |
| Noble, Ohio | 2 | $ 172,000 | $ 86,000 | $ 62,000 |
| Shelby, Ohio | 2 | $ 117,000 | $ 58,500 | $ 38,000 |
| Van Wert, Ohio | 2 | $ 126,000 | $ 63,000 | $ 54,000 |
| Bedford, Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 40,000 |
| Clearfield, Pennsylvania | 2 | $ 138,000 | $ 69,000 | $ 75,000 |
| Columbia, Pennsylvania | 2 | $ 86,000 | $ 43,000 | $ 56,000 |
| Fayette, Pennsylvania | 2 | $ 156,000 | $ 78,000 | $ 52,000 |
| Forest, Pennsylvania | 2 | $ 72,000 | $ 36,000 | $ 67,000 |
| Juniata, Pennsylvania | 2 | $ 128,000 | $ 64,000 | $ 54,000 |
| Lebanon, Pennsylvania | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| Lehigh, Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 107,000 |
| Perry, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Somerset, Pennsylvania | 2 | $ 308,000 | $ 154,000 | $ 695,000 |
| Susquehanna, Pennsylvania | 2 | $ 166,000 | $ 83,000 | $ 39,000 |
| Fairfax, Virginia | 2 | $ 534,000 | $ 267,000 | $ 123,000 |
| Lafayette, Wisconsin | 2 | $ 157,000 | $ 78,500 | $ 110,000 |
| Marshall, Alabama | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
| Morgan, Alabama | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Maricopa, Arizona | 1 | $ 113,000 | $ 113,000 | $ 29,000 |
| Broward, Florida | 1 | $ 274,000 | $ 274,000 | $ 56,000 |
| Collier, Florida | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Flagler, Florida | 1 | $ 301,000 | $ 301,000 | $ 132,000 |
| Hernando, Florida | 1 | $ 136,000 | $ 136,000 | $ 90,000 |
| Manatee, Florida | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Cobb, Georgia | 1 | $ 87,000 | $ 87,000 | $ 113,000 |
| Coweta, Georgia | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Fayette, Georgia | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Glynn, Georgia | 1 | $ 177,000 | $ 177,000 | $ 178,000 |
| Lawrence, Indiana | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Tippecanoe, Indiana | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Union, Indiana | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Washington, Indiana | 1 | $ 106,000 | $ 106,000 | $ 85,000 |
| Wyandotte, Kansas | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Adair, Kentucky | 1 | $ 36,000 | $ 36,000 | $ 46,000 |
| Bracken, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 54,000 |
| Franklin, Kentucky | 1 | $ 81,000 | $ 81,000 | $ 83,000 |
| Gallatin, Kentucky | 1 | $ 102,000 | $ 102,000 | $ 46,000 |
| Laurel, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 93,000 |
| Marion, Kentucky | 1 | $ 46,000 | $ 46,000 | $ 26,000 |
| Meade, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 41,000 |
| Montgomery, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 120,000 |
| Nelson, Kentucky | 1 | $ 199,000 | $ 199,000 | $ 70,000 |
| Pulaski, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Spencer, Kentucky | 1 | $ 289,000 | $ 289,000 | $ 163,000 |
| Taylor, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Barnstable, Massachusetts | 1 | $ 268,000 | $ 268,000 | $ 396,000 |
| Chippewa, Michigan | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Crawford, Michigan | 1 | $ 31,000 | $ 31,000 | $ 44,000 |
| Genesee, Michigan | 1 | $ 206,000 | $ 206,000 | $ 117,000 |
| Muskegon, Michigan | 1 | $ 52,000 | $ 52,000 | $ 66,000 |
| Osceola, Michigan | 1 | $ 156,000 | $ 156,000 | $ 58,000 |
| Ottawa, Michigan | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| Roscommon, Michigan | 1 | $ 87,000 | $ 87,000 | $ 130,000 |
| Van Buren, Michigan | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Harrison, Mississippi | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Johnson, Missouri | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Burlington, New Jersey | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Gloucester, New Jersey | 1 | $ 98,000 | $ 98,000 | $ 189,000 |
| Cabarrus, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 83,000 |
| Wake, North Carolina | 1 | $ 157,000 | $ 157,000 | $ 112,000 |
| Allen, Ohio | 1 | $ 181,000 | $ 181,000 | $ 21,000 |
| Meigs, Ohio | 1 | $ 69,000 | $ 69,000 | $ 135,000 |
| Morgan, Ohio | 1 | $ 32,000 | $ 32,000 | $ 57,000 |
| Wyandot, Ohio | 1 | $ 27,000 | $ 27,000 | $ 48,000 |
| Chester, Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 106,000 |
| Delaware, Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 78,000 |
| Greene, Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 60,000 |
| Luzerne, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Philadelphia, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Pike, Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 36,000 |
| Schuylkill, Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Venango, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 27,000 |
| Horry, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 117,000 |
| Wilson, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| Wasatch, Utah | 1 | $ 149,000 | $ 149,000 | $ 288,000 |
| Arlington, Virginia | 1 | $ 289,000 | $ 289,000 | $ 51,000 |
| Harrison, West Virginia | 1 | $ 51,000 | $ 51,000 | $ 214,000 |
| Marion, West Virginia | 1 | $ 18,000 | $ 18,000 | $ 84,000 |
| Monongalia, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Winnebago, Wisconsin | 1 | $ 158,000 | $ 158,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Second Nat'l 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) | 9,477 | $1,043,424,000 | $129,409 | $1,830,000 | $95,181 | $3,888,000 |
| Home Purchase (one-to-four family) | 4,226 | $416,924,000 | $115,411 | $950,000 | $89,235 | $1,061,000 |
| Home Improvement (one-to-four family) | 366 | $10,674,000 | $23,500 | $250,000 | $64,000 | $225,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 11 | $5,328,000 | $484,000 | $2,208,000 | $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 | 12,347 | $1,291,290,000 | $127,541 | $950,000 | $100,958 | $1,061,000 |
| Information not provided by applicant in mail or telephone application | 1,114 | $119,167,000 | $102,625 | $1,830,000 | $68,875 | $3,888,000 |
| Black | 290 | $23,866,000 | $103,571 | $624,000 | $77,571 | $205,000 |
| Asian or Pacific Islander | 121 | $20,072,000 | $165,200 | $778,000 | $135,800 | $861,000 |
| Hispanic | 87 | $8,949,000 | $134,250 | $236,000 | $70,500 | $313,000 |
| Not applicable | 77 | $9,313,000 | $120,000 | $2,208,000 | $16,000 | $450,000 |
| Other | 34 | $3,152,000 | $104,000 | $254,000 | $136,333 | $477,000 |
| American Indian or Alaskan Native | 10 | $541,000 | $52,500 | $139,000 | $55,000 | $219,000 |
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) | 14,039 | $1,472,787,000 | $125,458 | $2,208,000 | $99,333 | $3,888,000 |
| FHA-insured (Federal Housing Administration) | 29 | $2,565,000 | $88,000 | $134,000 | $50,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 12 | $998,000 | $83,000 | $169,000 | $34,000 | $78,000 |
| 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 | 12,165 | $1,269,712,000 | $125,333 | $2,208,000 | $99,000 | $1,061,000 |
| Application Withdrawn By Applicant | 739 | $83,433,000 | $124,181 | $950,000 | $75,545 | $861,000 |
| Application Denied By Financial Institution | 637 | $61,451,000 | $138,800 | $1,830,000 | $82,100 | $3,888,000 |
| Application Approved But Not Accepted | 484 | $56,433,000 | $114,142 | $513,000 | $69,857 | $659,000 |
| File Closed For Incompleteness | 55 | $5,321,000 | $111,000 | $301,000 | $114,166 | $300,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 208 | $23,087,000 | $166,200 | $468,000 | $97,400 | $723,000 |
| Credit History | 195 | $14,840,000 | $159,666 | $633,000 | $66,500 | $208,000 |
| Other | 112 | $9,523,000 | $89,200 | $500,000 | $64,800 | $207,000 |
| Collateral | 94 | $11,277,000 | $143,833 | $1,830,000 | $77,833 | $3,888,000 |
| Employment History | 13 | $646,000 | $60,750 | $143,000 | $37,000 | $57,000 |
| Unverifiable Information | 7 | $1,064,000 | $182,500 | $226,000 | $59,500 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $538,000 | $107,000 | $154,000 | $92,000 | $135,000 |
| Credit Application Incomplete | 2 | $400,000 | $200,000 | $292,000 | $81,000 | $119,000 |
| Mortgage Insurance Denied | 1 | $76,000 | $76,000 | $76,000 | $49,000 | $49,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Second Nat'l 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 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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