Second Nat'l Bank C/O Sky Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Second Nat'l 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 | 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 | $127,142 |
| Highest Mortgage Loan Application Amount | $2,208,000 |
| Average Applicant Income | $89,023 |
| Highest Applicant Income | $3,888,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Second Nat'l 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 Second Nat'l 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 Second Nat'l 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 Second Nat'l Bank C/O Sky Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Second Nat'l 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 Second Nat'l 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 |
|---|---|---|---|---|
| Trumbull County Ohio | 1,983 | $ 163,895,000 | $ 82,000 | $ 60,000 |
| Summit County Ohio | 1,242 | $ 144,185,000 | $ 116,000 | $ 74,000 |
| Cuyahoga County Ohio | 1,023 | $ 128,406,000 | $ 125,000 | $ 70,000 |
| Franklin County Ohio | 969 | $ 98,929,000 | $ 102,000 | $ 75,000 |
| Mahoning County Ohio | 883 | $ 74,027,000 | $ 83,000 | $ 87,000 |
| Stark County Ohio | 813 | $ 81,861,000 | $ 100,000 | $ 57,000 |
| Portage County Ohio | 809 | $ 86,144,000 | $ 106,000 | $ 65,000 |
| Ashtabula County Ohio | 531 | $ 40,604,000 | $ 76,000 | $ 54,000 |
| Hamilton County Ohio | 411 | $ 52,235,000 | $ 127,000 | $ 236,000 |
| Union County Ohio | 288 | $ 31,918,000 | $ 110,000 | $ 71,000 |
| Lorain County Ohio | 268 | $ 34,778,000 | $ 129,000 | $ 70,000 |
| Delaware County Ohio | 264 | $ 39,378,000 | $ 149,000 | $ 94,000 |
| Medina County Ohio | 236 | $ 33,101,000 | $ 140,000 | $ 78,000 |
| Lake County Ohio | 211 | $ 22,136,000 | $ 104,000 | $ 66,000 |
| Butler County Ohio | 207 | $ 22,220,000 | $ 107,000 | $ 78,000 |
| Geauga County Ohio | 194 | $ 29,833,000 | $ 153,000 | $ 75,000 |
| Wayne County Ohio | 193 | $ 17,872,000 | $ 92,000 | $ 100,000 |
| Richland County Ohio | 162 | $ 14,509,000 | $ 89,000 | $ 70,000 |
| Warren County Ohio | 149 | $ 18,523,000 | $ 124,000 | $ 92,000 |
| Clermont County Ohio | 131 | $ 16,494,000 | $ 125,000 | $ 71,000 |
| Tuscarawas County Ohio | 127 | $ 10,309,000 | $ 81,000 | $ 55,000 |
| York County Pennsylvania | 119 | $ 9,707,000 | $ 81,000 | $ 65,000 |
| Lucas County Ohio | 118 | $ 13,478,000 | $ 114,000 | $ 75,000 |
| Licking County Ohio | 109 | $ 11,961,000 | $ 109,000 | $ 77,000 |
| Clinton County Ohio | 108 | $ 9,965,000 | $ 92,000 | $ 69,000 |
| Fairfield County Ohio | 107 | $ 13,425,000 | $ 125,000 | $ 103,000 |
| Knox County Ohio | 98 | $ 7,460,000 | $ 76,000 | $ 46,000 |
| Erie County Ohio | 95 | $ 10,264,000 | $ 108,000 | $ 62,000 |
| Dearborn County Indiana | 91 | $ 10,727,000 | $ 117,000 | $ 89,000 |
| St. Joseph County Indiana | 91 | $ 7,226,000 | $ 79,000 | $ 62,000 |
| Jefferson County Kentucky | 88 | $ 9,435,000 | $ 107,000 | $ 99,000 |
| Montgomery County Ohio | 61 | $ 5,209,000 | $ 85,000 | $ 62,000 |
| Champaign County Ohio | 58 | $ 4,801,000 | $ 82,000 | $ 58,000 |
| Columbiana County Ohio | 54 | $ 4,823,000 | $ 89,000 | $ 57,000 |
| Kenton County Kentucky | 52 | $ 6,112,000 | $ 117,000 | $ 73,000 |
| Madison County Ohio | 46 | $ 5,486,000 | $ 119,000 | $ 82,000 |
| Allen County Indiana | 45 | $ 3,262,000 | $ 72,000 | $ 69,000 |
| Marion County Indiana | 43 | $ 3,924,000 | $ 91,000 | $ 52,000 |
| Morris County New Jersey | 43 | $ 8,907,000 | $ 207,000 | $ 133,000 |
| Logan County Ohio | 42 | $ 3,388,000 | $ 80,000 | $ 66,000 |
| Boone County Kentucky | 40 | $ 5,331,000 | $ 133,000 | $ 86,000 |
| Belmont County Ohio | 40 | $ 2,329,000 | $ 58,000 | $ 54,000 |
| Carroll County Ohio | 38 | $ 3,183,000 | $ 83,000 | $ 79,000 |
| Warren County New Jersey | 35 | $ 6,422,000 | $ 183,000 | $ 91,000 |
| Allegheny County Pennsylvania | 35 | $ 3,714,000 | $ 106,000 | $ 63,000 |
| Morrow County Ohio | 34 | $ 3,202,000 | $ 94,000 | $ 64,000 |
| Ashland County Ohio | 33 | $ 2,904,000 | $ 88,000 | $ 57,000 |
| Pickaway County Ohio | 33 | $ 3,829,000 | $ 116,000 | $ 73,000 |
| Wood County Ohio | 33 | $ 4,060,000 | $ 123,000 | $ 76,000 |
| Franklin County Indiana | 32 | $ 4,623,000 | $ 144,000 | $ 67,000 |
| Ottawa County Ohio | 31 | $ 3,473,000 | $ 112,000 | $ 84,000 |
| Adams County Pennsylvania | 30 | $ 2,194,000 | $ 73,000 | $ 65,000 |
| Jefferson County Ohio | 29 | $ 1,745,000 | $ 60,000 | $ 61,000 |
| Campbell County Kentucky | 28 | $ 3,307,000 | $ 118,000 | $ 73,000 |
| Sussex County New Jersey | 26 | $ 4,801,000 | $ 184,000 | $ 97,000 |
| Holmes County Ohio | 26 | $ 2,479,000 | $ 95,000 | $ 71,000 |
| Highland County Ohio | 25 | $ 2,011,000 | $ 80,000 | $ 62,000 |
| Huron County Ohio | 25 | $ 2,459,000 | $ 98,000 | $ 61,000 |
| Hamilton County Indiana | 24 | $ 2,738,000 | $ 114,000 | $ 94,000 |
| Bullitt County Kentucky | 23 | $ 2,251,000 | $ 97,000 | $ 79,000 |
| Oldham County Kentucky | 22 | $ 2,700,000 | $ 122,000 | $ 82,000 |
| Marion County Ohio | 22 | $ 1,537,000 | $ 69,000 | $ 65,000 |
| Mercer County Pennsylvania | 21 | $ 2,193,000 | $ 104,000 | $ 61,000 |
| Brown County Ohio | 20 | $ 1,964,000 | $ 98,000 | $ 63,000 |
| Hancock County Ohio | 20 | $ 2,791,000 | $ 139,000 | $ 88,000 |
| Shelby County Kentucky | 19 | $ 1,560,000 | $ 82,000 | $ 80,000 |
| Elkhart County Indiana | 16 | $ 1,498,000 | $ 93,000 | $ 77,000 |
| Fayette County Kentucky | 16 | $ 1,678,000 | $ 104,000 | $ 94,000 |
| Sandusky County Ohio | 16 | $ 1,732,000 | $ 108,000 | $ 62,000 |
| Essex County New Jersey | 15 | $ 2,411,000 | $ 160,000 | $ 87,000 |
| Lawrence County Pennsylvania | 15 | $ 2,497,000 | $ 166,000 | $ 86,000 |
| Ripley County Indiana | 14 | $ 1,558,000 | $ 111,000 | $ 55,000 |
| Crawford County Ohio | 14 | $ 964,000 | $ 68,000 | $ 45,000 |
| Greene County Ohio | 14 | $ 1,561,000 | $ 111,000 | $ 79,000 |
| Butler County Pennsylvania | 14 | $ 1,681,000 | $ 120,000 | $ 90,000 |
| Somerset County New Jersey | 12 | $ 2,122,000 | $ 176,000 | $ 75,000 |
| Clark County Ohio | 12 | $ 1,480,000 | $ 123,000 | $ 84,000 |
| Beaver County Pennsylvania | 12 | $ 965,000 | $ 80,000 | $ 54,000 |
| Clark County Indiana | 11 | $ 730,000 | $ 66,000 | $ 58,000 |
| Floyd County Indiana | 11 | $ 987,000 | $ 89,000 | $ 99,000 |
| Ross County Ohio | 11 | $ 1,164,000 | $ 105,000 | $ 67,000 |
| Coshocton County Ohio | 10 | $ 850,000 | $ 85,000 | $ 42,000 |
| Muskingum County Ohio | 10 | $ 1,243,000 | $ 124,000 | $ 77,000 |
| Dauphin County Pennsylvania | 10 | $ 707,000 | $ 70,000 | $ 63,000 |
| Ohio County West Virginia | 10 | $ 369,000 | $ 36,000 | $ 35,000 |
| Fayette County Ohio | 9 | $ 854,000 | $ 94,000 | $ 51,000 |
| Crawford County Pennsylvania | 9 | $ 567,000 | $ 63,000 | $ 87,000 |
| Erie County Pennsylvania | 9 | $ 685,000 | $ 76,000 | $ 41,000 |
| Johnson County Indiana | 8 | $ 853,000 | $ 106,000 | $ 57,000 |
| Washtenaw County Michigan | 8 | $ 1,419,000 | $ 177,000 | $ 151,000 |
| Middlesex County New Jersey | 8 | $ 1,359,000 | $ 169,000 | $ 99,000 |
| Steuben County Indiana | 7 | $ 680,000 | $ 97,000 | $ 76,000 |
| Lenawee County Michigan | 7 | $ 720,000 | $ 102,000 | $ 57,000 |
| Passaic County New Jersey | 7 | $ 1,755,000 | $ 250,000 | $ 87,000 |
| Preble County Ohio | 7 | $ 833,000 | $ 119,000 | $ 60,000 |
| Cumberland County Pennsylvania | 7 | $ 580,000 | $ 82,000 | $ 90,000 |
| Hendricks County Indiana | 6 | $ 673,000 | $ 112,000 | $ 85,000 |
| Monroe County Michigan | 6 | $ 830,000 | $ 138,000 | $ 65,000 |
| Fulton County Ohio | 6 | $ 494,000 | $ 82,000 | $ 42,000 |
| Guernsey County Ohio | 6 | $ 632,000 | $ 105,000 | $ 95,000 |
| Perry County Ohio | 6 | $ 634,000 | $ 105,000 | $ 77,000 |
| Williams County Ohio | 6 | $ 487,000 | $ 81,000 | $ 60,000 |
| Washington County Pennsylvania | 6 | $ 791,000 | $ 131,000 | $ 91,000 |
| Westmoreland County Pennsylvania | 6 | $ 625,000 | $ 104,000 | $ 59,000 |
| DeKalb County Indiana | 5 | $ 402,000 | $ 80,000 | $ 63,000 |
| Harrison County Indiana | 5 | $ 388,000 | $ 77,000 | $ 55,000 |
| LaPorte County Indiana | 5 | $ 542,000 | $ 108,000 | $ 103,000 |
| Grant County Kentucky | 5 | $ 413,000 | $ 82,000 | $ 97,000 |
| Jackson County Michigan | 5 | $ 673,000 | $ 134,000 | $ 87,000 |
| Macomb County Michigan | 5 | $ 564,000 | $ 112,000 | $ 35,000 |
| Hunterdon County New Jersey | 5 | $ 1,089,000 | $ 217,000 | $ 102,000 |
| Monmouth County New Jersey | 5 | $ 995,000 | $ 199,000 | $ 109,000 |
| Adams County Ohio | 5 | $ 589,000 | $ 117,000 | $ 66,000 |
| Defiance County Ohio | 5 | $ 358,000 | $ 71,000 | $ 41,000 |
| Hocking County Ohio | 5 | $ 363,000 | $ 72,000 | $ 69,000 |
| Jackson County Ohio | 5 | $ 450,000 | $ 90,000 | $ 60,000 |
| Miami County Ohio | 5 | $ 521,000 | $ 104,000 | $ 69,000 |
| Paulding County Ohio | 5 | $ 297,000 | $ 59,000 | $ 71,000 |
| Seneca County Ohio | 5 | $ 623,000 | $ 124,000 | $ 68,000 |
| Washington County Ohio | 5 | $ 306,000 | $ 61,000 | $ 67,000 |
| Lancaster County Pennsylvania | 5 | $ 274,000 | $ 54,000 | $ 50,000 |
| Palm Beach County Florida | 4 | $ 707,000 | $ 176,000 | $ 168,000 |
| Pinellas County Florida | 4 | $ 468,000 | $ 117,000 | $ 169,000 |
| Boone County Indiana | 4 | $ 419,000 | $ 104,000 | $ 65,000 |
| Marshall County Indiana | 4 | $ 572,000 | $ 143,000 | $ 76,000 |
| Morgan County Indiana | 4 | $ 481,000 | $ 120,000 | $ 131,000 |
| Breckinridge County Kentucky | 4 | $ 273,000 | $ 68,000 | $ 78,000 |
| Washington County Maryland | 4 | $ 466,000 | $ 116,000 | $ 96,000 |
| Cass County Michigan | 4 | $ 298,000 | $ 74,000 | $ 68,000 |
| Hillsdale County Michigan | 4 | $ 543,000 | $ 135,000 | $ 71,000 |
| Oakland County Michigan | 4 | $ 699,000 | $ 174,000 | $ 109,000 |
| Bergen County New Jersey | 4 | $ 885,000 | $ 221,000 | $ 79,000 |
| Hudson County New Jersey | 4 | $ 554,000 | $ 138,000 | $ 91,000 |
| Ocean County New Jersey | 4 | $ 680,000 | $ 170,000 | $ 83,000 |
| Union County New Jersey | 4 | $ 742,000 | $ 185,000 | $ 107,000 |
| Mercer County Ohio | 4 | $ 482,000 | $ 120,000 | $ 52,000 |
| Blair County Pennsylvania | 4 | $ 287,000 | $ 71,000 | $ 59,000 |
| Bucks County Pennsylvania | 4 | $ 544,000 | $ 136,000 | $ 89,000 |
| Centre County Pennsylvania | 4 | $ 312,000 | $ 78,000 | $ 67,000 |
| Lackawanna County Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 52,000 |
| Northampton County Pennsylvania | 4 | $ 429,000 | $ 107,000 | $ 90,000 |
| Wayne County Pennsylvania | 4 | $ 396,000 | $ 99,000 | $ 61,000 |
| Kenosha County Wisconsin | 4 | $ 307,000 | $ 76,000 | $ 64,000 |
| Jefferson County Alabama | 3 | $ 336,000 | $ 112,000 | $ 65,000 |
| Shelby County Alabama | 3 | $ 360,000 | $ 120,000 | $ 85,000 |
| Hancock County Indiana | 3 | $ 338,000 | $ 112,000 | $ 65,000 |
| Ohio County Indiana | 3 | $ 346,000 | $ 115,000 | $ 70,000 |
| Shelby County Indiana | 3 | $ 209,000 | $ 69,000 | $ 66,000 |
| Anderson County Kentucky | 3 | $ 244,000 | $ 81,000 | $ 70,000 |
| Pendleton County Kentucky | 3 | $ 335,000 | $ 111,000 | $ 57,000 |
| Woodford County Kentucky | 3 | $ 354,000 | $ 118,000 | $ 70,000 |
| St. Tammany County Louisiana | 3 | $ 328,000 | $ 109,000 | $ 78,000 |
| Ingham County Michigan | 3 | $ 499,000 | $ 166,000 | $ 73,000 |
| Kalamazoo County Michigan | 3 | $ 544,000 | $ 181,000 | $ 82,000 |
| Mercer County New Jersey | 3 | $ 371,000 | $ 123,000 | $ 54,000 |
| Darke County Ohio | 3 | $ 246,000 | $ 82,000 | $ 93,000 |
| Hardin County Ohio | 3 | $ 143,000 | $ 47,000 | $ 74,000 |
| Henry County Ohio | 3 | $ 207,000 | $ 69,000 | $ 29,000 |
| Franklin County Pennsylvania | 3 | $ 294,000 | $ 98,000 | $ 49,000 |
| Monroe County Pennsylvania | 3 | $ 299,000 | $ 99,000 | $ 54,000 |
| Beaufort County South Carolina | 3 | $ 188,000 | $ 62,000 | $ 19,000 |
| Brooke County West Virginia | 3 | $ 345,000 | $ 115,000 | $ 69,000 |
| Hancock County West Virginia | 3 | $ 147,000 | $ 49,000 | $ 39,000 |
| Mobile County Alabama | 2 | $ 181,000 | $ 90,000 | $ 51,000 |
| Sussex County Delaware | 2 | $ 238,000 | $ 119,000 | $ 62,000 |
| Brevard County Florida | 2 | $ 157,000 | $ 78,000 | $ 55,000 |
| Duval County Florida | 2 | $ 149,000 | $ 74,000 | $ 67,000 |
| Lee County Florida | 2 | $ 651,000 | $ 325,000 | $ 141,000 |
| Miami-Dade County Florida | 2 | $ 526,000 | $ 263,000 | $ 220,000 |
| Monroe County Florida | 2 | $ 540,000 | $ 270,000 | $ 1,061,000 |
| Pasco County Florida | 2 | $ 308,000 | $ 154,000 | $ 77,000 |
| Sarasota County Florida | 2 | $ 288,000 | $ 144,000 | $ 117,000 |
| Bartholomew County Indiana | 2 | $ 103,000 | $ 51,000 | $ 40,000 |
| Decatur County Indiana | 2 | $ 124,000 | $ 62,000 | $ 28,000 |
| Kosciusko County Indiana | 2 | $ 77,000 | $ 38,000 | $ 117,000 |
| Madison County Indiana | 2 | $ 206,000 | $ 103,000 | $ 96,000 |
| Montgomery County Indiana | 2 | $ 90,000 | $ 45,000 | $ 47,000 |
| Noble County Indiana | 2 | $ 96,000 | $ 48,000 | $ 29,000 |
| Switzerland County Indiana | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Johnson County Kansas | 2 | $ 126,000 | $ 63,000 | $ 48,000 |
| Boyle County Kentucky | 2 | $ 54,000 | $ 27,000 | $ 51,000 |
| Carroll County Kentucky | 2 | $ 93,000 | $ 46,000 | $ 51,000 |
| Hardin County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 79,000 |
| Henry County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Mason County Kentucky | 2 | $ 176,000 | $ 88,000 | $ 48,000 |
| Trimble County Kentucky | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Howard County Maryland | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Berrien County Michigan | 2 | $ 72,000 | $ 36,000 | $ 167,000 |
| Calhoun County Michigan | 2 | $ 264,000 | $ 132,000 | $ 62,000 |
| Leelanau County Michigan | 2 | $ 435,000 | $ 217,000 | $ 300,000 |
| Wayne County Michigan | 2 | $ 144,000 | $ 72,000 | $ 17,000 |
| St. Louis County Missouri | 2 | $ 368,000 | $ 184,000 | $ 70,000 |
| Mecklenburg County North Carolina | 2 | $ 178,000 | $ 89,000 | $ 56,000 |
| Athens County Ohio | 2 | $ 244,000 | $ 122,000 | $ 121,000 |
| Auglaize County Ohio | 2 | $ 134,000 | $ 67,000 | $ 66,000 |
| Harrison County Ohio | 2 | $ 175,000 | $ 87,000 | $ 49,000 |
| Monroe County Ohio | 2 | $ 185,000 | $ 92,000 | $ 80,000 |
| Noble County Ohio | 2 | $ 172,000 | $ 86,000 | $ 62,000 |
| Shelby County Ohio | 2 | $ 117,000 | $ 58,000 | $ 38,000 |
| Van Wert County Ohio | 2 | $ 126,000 | $ 63,000 | $ 54,000 |
| Bedford County Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 40,000 |
| Clearfield County Pennsylvania | 2 | $ 138,000 | $ 69,000 | $ 75,000 |
| Columbia County Pennsylvania | 2 | $ 86,000 | $ 43,000 | $ 56,000 |
| Fayette County Pennsylvania | 2 | $ 156,000 | $ 78,000 | $ 52,000 |
| Forest County Pennsylvania | 2 | $ 72,000 | $ 36,000 | $ 67,000 |
| Juniata County Pennsylvania | 2 | $ 128,000 | $ 64,000 | $ 54,000 |
| Lebanon County Pennsylvania | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| Lehigh County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 107,000 |
| Perry County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Somerset County Pennsylvania | 2 | $ 308,000 | $ 154,000 | $ 695,000 |
| Susquehanna County Pennsylvania | 2 | $ 166,000 | $ 83,000 | $ 39,000 |
| Fairfax County Virginia | 2 | $ 534,000 | $ 267,000 | $ 123,000 |
| Lafayette County Wisconsin | 2 | $ 157,000 | $ 78,000 | $ 110,000 |
| Marshall County Alabama | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
| Morgan County Alabama | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Maricopa County Arizona | 1 | $ 113,000 | $ 113,000 | $ 29,000 |
| Broward County Florida | 1 | $ 274,000 | $ 274,000 | $ 56,000 |
| Collier County Florida | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Flagler County Florida | 1 | $ 301,000 | $ 301,000 | $ 132,000 |
| Hernando County Florida | 1 | $ 136,000 | $ 136,000 | $ 90,000 |
| Manatee County Florida | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Cobb County Georgia | 1 | $ 87,000 | $ 87,000 | $ 113,000 |
| Coweta County Georgia | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Fayette County Georgia | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Glynn County Georgia | 1 | $ 177,000 | $ 177,000 | $ 178,000 |
| Lawrence County Indiana | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Tippecanoe County Indiana | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Union County Indiana | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Washington County Indiana | 1 | $ 106,000 | $ 106,000 | $ 85,000 |
| Wyandotte County Kansas | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Adair County Kentucky | 1 | $ 36,000 | $ 36,000 | $ 46,000 |
| Bracken County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 54,000 |
| Franklin County Kentucky | 1 | $ 81,000 | $ 81,000 | $ 83,000 |
| Gallatin County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 46,000 |
| Laurel County Kentucky | 1 | $ 122,000 | $ 122,000 | $ 93,000 |
| Marion County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 26,000 |
| Meade County Kentucky | 1 | $ 69,000 | $ 69,000 | $ 41,000 |
| Montgomery County Kentucky | 1 | $ 127,000 | $ 127,000 | $ 120,000 |
| Nelson County Kentucky | 1 | $ 199,000 | $ 199,000 | $ 70,000 |
| Pulaski County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Spencer County Kentucky | 1 | $ 289,000 | $ 289,000 | $ 163,000 |
| Taylor County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Barnstable County Massachusetts | 1 | $ 268,000 | $ 268,000 | $ 396,000 |
| Chippewa County Michigan | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Crawford County Michigan | 1 | $ 31,000 | $ 31,000 | $ 44,000 |
| Genesee County Michigan | 1 | $ 206,000 | $ 206,000 | $ 117,000 |
| Muskegon County Michigan | 1 | $ 52,000 | $ 52,000 | $ 66,000 |
| Osceola County Michigan | 1 | $ 156,000 | $ 156,000 | $ 58,000 |
| Ottawa County Michigan | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| Roscommon County Michigan | 1 | $ 87,000 | $ 87,000 | $ 130,000 |
| Van Buren County Michigan | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Harrison County Mississippi | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Johnson County Missouri | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Burlington County New Jersey | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Gloucester County New Jersey | 1 | $ 98,000 | $ 98,000 | $ 189,000 |
| Cabarrus County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 83,000 |
| Wake County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 112,000 |
| Allen County Ohio | 1 | $ 181,000 | $ 181,000 | $ 21,000 |
| Meigs County Ohio | 1 | $ 69,000 | $ 69,000 | $ 135,000 |
| Morgan County Ohio | 1 | $ 32,000 | $ 32,000 | $ 57,000 |
| Wyandot County Ohio | 1 | $ 27,000 | $ 27,000 | $ 48,000 |
| Chester County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 106,000 |
| Delaware County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 78,000 |
| Greene County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 60,000 |
| Luzerne County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Philadelphia County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Pike County Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 36,000 |
| Schuylkill County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Venango County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 27,000 |
| Horry County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 117,000 |
| Wilson County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| Wasatch County Utah | 1 | $ 149,000 | $ 149,000 | $ 288,000 |
| Arlington County Virginia | 1 | $ 289,000 | $ 289,000 | $ 51,000 |
| Harrison County West Virginia | 1 | $ 51,000 | $ 51,000 | $ 214,000 |
| Marion County West Virginia | 1 | $ 18,000 | $ 18,000 | $ 84,000 |
| Monongalia County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Winnebago County 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.