Second Nat'l Bank C/O Sky Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Second Nat'l Bank C/O Sky Bank 2004 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 | 3,247 |
| Total Mortgage Loan Application Amount | $316,034,000 |
| Average Mortgage Loan Application Amount | $106,111 |
| Highest Mortgage Loan Application Amount | $953,000 |
| Average Applicant Income | $108,370 |
| Highest Applicant Income | $1,298,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 440 | $ 33,031,000 | $ 75,000 | $ 62,000 |
| Summit County Ohio | 244 | $ 25,971,000 | $ 106,000 | $ 69,000 |
| Franklin County Ohio | 204 | $ 17,400,000 | $ 85,000 | $ 79,000 |
| Mahoning County Ohio | 200 | $ 16,346,000 | $ 81,000 | $ 45,000 |
| Cuyahoga County Ohio | 198 | $ 23,674,000 | $ 119,000 | $ 76,000 |
| Portage County Ohio | 159 | $ 16,924,000 | $ 106,000 | $ 67,000 |
| Stark County Ohio | 139 | $ 13,097,000 | $ 94,000 | $ 61,000 |
| Ashtabula County Ohio | 107 | $ 6,904,000 | $ 64,000 | $ 51,000 |
| Union County Ohio | 84 | $ 7,803,000 | $ 92,000 | $ 66,000 |
| Wayne County Ohio | 83 | $ 7,928,000 | $ 95,000 | $ 62,000 |
| Hamilton County Ohio | 69 | $ 7,346,000 | $ 106,000 | $ 92,000 |
| Lorain County Ohio | 60 | $ 9,162,000 | $ 152,000 | $ 68,000 |
| Medina County Ohio | 55 | $ 6,689,000 | $ 121,000 | $ 82,000 |
| Delaware County Ohio | 51 | $ 6,823,000 | $ 133,000 | $ 95,000 |
| Licking County Ohio | 43 | $ 4,001,000 | $ 93,000 | $ 78,000 |
| Fairfield County Ohio | 40 | $ 4,903,000 | $ 122,000 | $ 78,000 |
| Butler County Ohio | 39 | $ 4,793,000 | $ 122,000 | $ 98,000 |
| Richland County Ohio | 39 | $ 3,598,000 | $ 92,000 | $ 63,000 |
| Allen County Indiana | 36 | $ 2,272,000 | $ 63,000 | $ 61,000 |
| St. Joseph County Indiana | 36 | $ 2,833,000 | $ 78,000 | $ 56,000 |
| Clinton County Ohio | 32 | $ 2,265,000 | $ 70,000 | $ 50,000 |
| Dearborn County Indiana | 31 | $ 2,730,000 | $ 88,000 | $ 64,000 |
| Jefferson County Kentucky | 31 | $ 3,267,000 | $ 105,000 | $ 68,000 |
| Geauga County Ohio | 30 | $ 4,698,000 | $ 156,000 | $ 70,000 |
| Tuscarawas County Ohio | 30 | $ 2,193,000 | $ 73,000 | $ 51,000 |
| Lucas County Ohio | 29 | $ 2,431,000 | $ 83,000 | $ 61,000 |
| Warren County Ohio | 29 | $ 2,881,000 | $ 99,000 | $ 72,000 |
| Lake County Ohio | 25 | $ 2,789,000 | $ 111,000 | $ 74,000 |
| Champaign County Ohio | 24 | $ 1,833,000 | $ 76,000 | $ 58,000 |
| Clermont County Ohio | 23 | $ 2,719,000 | $ 118,000 | $ 81,000 |
| York County Pennsylvania | 23 | $ 2,097,000 | $ 91,000 | $ 61,000 |
| Wood County Ohio | 21 | $ 2,276,000 | $ 108,000 | $ 64,000 |
| Pickaway County Ohio | 20 | $ 2,871,000 | $ 143,000 | $ 77,000 |
| Marion County Indiana | 19 | $ 1,800,000 | $ 94,000 | $ 67,000 |
| Columbiana County Ohio | 17 | $ 1,577,000 | $ 92,000 | $ 76,000 |
| Knox County Ohio | 17 | $ 1,589,000 | $ 93,000 | $ 52,000 |
| Madison County Ohio | 15 | $ 1,896,000 | $ 126,000 | $ 110,000 |
| Huron County Ohio | 14 | $ 1,204,000 | $ 86,000 | $ 66,000 |
| Logan County Ohio | 13 | $ 1,250,000 | $ 96,000 | $ 86,000 |
| Hamilton County Indiana | 12 | $ 1,031,000 | $ 85,000 | $ 81,000 |
| Ashland County Ohio | 12 | $ 1,623,000 | $ 135,000 | $ 62,000 |
| Holmes County Ohio | 12 | $ 846,000 | $ 70,000 | $ 47,000 |
| Morrow County Ohio | 12 | $ 1,588,000 | $ 132,000 | $ 73,000 |
| Ottawa County Ohio | 12 | $ 1,374,000 | $ 114,000 | $ 106,000 |
| Hendricks County Indiana | 11 | $ 1,104,000 | $ 100,000 | $ 78,000 |
| Brown County Ohio | 11 | $ 945,000 | $ 85,000 | $ 58,000 |
| Cass County Michigan | 10 | $ 1,361,000 | $ 136,000 | $ 67,000 |
| Marion County Ohio | 10 | $ 622,000 | $ 62,000 | $ 71,000 |
| Montgomery County Ohio | 10 | $ 527,000 | $ 52,000 | $ 54,000 |
| Erie County Ohio | 9 | $ 1,141,000 | $ 126,000 | $ 115,000 |
| Hocking County Ohio | 9 | $ 863,000 | $ 95,000 | $ 76,000 |
| Boone County Kentucky | 7 | $ 651,000 | $ 93,000 | $ 79,000 |
| Oldham County Kentucky | 7 | $ 1,049,000 | $ 149,000 | $ 70,000 |
| Morris County New Jersey | 7 | $ 1,349,000 | $ 192,000 | $ 117,000 |
| Allegheny County Pennsylvania | 7 | $ 813,000 | $ 116,000 | $ 106,000 |
| Elkhart County Indiana | 6 | $ 406,000 | $ 67,000 | $ 55,000 |
| Kosciusko County Indiana | 6 | $ 402,000 | $ 67,000 | $ 46,000 |
| Ripley County Indiana | 6 | $ 491,000 | $ 81,000 | $ 39,000 |
| Oakland County Michigan | 6 | $ 971,000 | $ 161,000 | $ 107,000 |
| Fayette County Ohio | 6 | $ 673,000 | $ 112,000 | $ 70,000 |
| Beaver County Pennsylvania | 6 | $ 260,000 | $ 43,000 | $ 51,000 |
| Lawrence County Pennsylvania | 6 | $ 619,000 | $ 103,000 | $ 99,000 |
| Palm Beach County Florida | 5 | $ 921,000 | $ 184,000 | $ 121,000 |
| Hancock County Indiana | 5 | $ 502,000 | $ 100,000 | $ 58,000 |
| Morgan County Indiana | 5 | $ 478,000 | $ 95,000 | $ 57,000 |
| Campbell County Kentucky | 5 | $ 301,000 | $ 60,000 | $ 46,000 |
| Berrien County Michigan | 5 | $ 605,000 | $ 121,000 | $ 50,000 |
| Greene County Ohio | 5 | $ 629,000 | $ 125,000 | $ 97,000 |
| Jefferson County Ohio | 5 | $ 408,000 | $ 81,000 | $ 56,000 |
| Miami County Ohio | 5 | $ 431,000 | $ 86,000 | $ 68,000 |
| Perry County Ohio | 5 | $ 610,000 | $ 122,000 | $ 60,000 |
| Sandusky County Ohio | 5 | $ 469,000 | $ 93,000 | $ 94,000 |
| Seneca County Ohio | 5 | $ 378,000 | $ 75,000 | $ 62,000 |
| Clark County Indiana | 4 | $ 282,000 | $ 70,000 | $ 48,000 |
| Henry County Indiana | 4 | $ 264,000 | $ 66,000 | $ 163,000 |
| Johnson County Indiana | 4 | $ 261,000 | $ 65,000 | $ 57,000 |
| Monroe County Indiana | 4 | $ 274,000 | $ 68,000 | $ 85,000 |
| Putnam County Indiana | 4 | $ 306,000 | $ 76,000 | $ 71,000 |
| Fayette County Kentucky | 4 | $ 488,000 | $ 122,000 | $ 94,000 |
| Kenton County Kentucky | 4 | $ 321,000 | $ 80,000 | $ 58,000 |
| Wayne County Michigan | 4 | $ 426,000 | $ 106,000 | $ 54,000 |
| Hancock County Ohio | 4 | $ 425,000 | $ 106,000 | $ 67,000 |
| Henry County Ohio | 4 | $ 307,000 | $ 76,000 | $ 40,000 |
| Muskingum County Ohio | 4 | $ 587,000 | $ 146,000 | $ 84,000 |
| Shelby County Ohio | 4 | $ 194,000 | $ 48,000 | $ 57,000 |
| Adams County Pennsylvania | 4 | $ 286,000 | $ 71,000 | $ 72,000 |
| Mercer County Pennsylvania | 4 | $ 395,000 | $ 98,000 | $ 95,000 |
| Washington County Pennsylvania | 4 | $ 449,000 | $ 112,000 | $ 76,000 |
| Duval County Florida | 3 | $ 356,000 | $ 118,000 | $ 178,000 |
| Harrison County Indiana | 3 | $ 126,000 | $ 42,000 | $ 63,000 |
| Whitley County Indiana | 3 | $ 280,000 | $ 93,000 | $ 60,000 |
| Ingham County Michigan | 3 | $ 302,000 | $ 100,000 | $ 109,000 |
| Livingston County Michigan | 3 | $ 465,000 | $ 155,000 | $ 38,000 |
| Warren County New Jersey | 3 | $ 349,000 | $ 116,000 | $ 54,000 |
| Belmont County Ohio | 3 | $ 324,000 | $ 108,000 | $ 36,000 |
| Cumberland County Pennsylvania | 3 | $ 398,000 | $ 132,000 | $ 122,000 |
| Broward County Florida | 2 | $ 289,000 | $ 144,000 | $ 55,000 |
| Lee County Florida | 2 | $ 550,000 | $ 275,000 | $ 489,000 |
| Pinellas County Florida | 2 | $ 228,000 | $ 114,000 | $ 33,000 |
| Franklin County Indiana | 2 | $ 446,000 | $ 223,000 | $ 69,000 |
| Howard County Indiana | 2 | $ 186,000 | $ 93,000 | $ 50,000 |
| Madison County Indiana | 2 | $ 157,000 | $ 78,000 | $ 55,000 |
| Marshall County Indiana | 2 | $ 142,000 | $ 71,000 | $ 66,000 |
| Noble County Indiana | 2 | $ 85,000 | $ 42,000 | $ 100,000 |
| Scott County Indiana | 2 | $ 166,000 | $ 83,000 | $ 49,000 |
| Shelby County Indiana | 2 | $ 159,000 | $ 79,000 | $ 109,000 |
| Bullitt County Kentucky | 2 | $ 174,000 | $ 87,000 | $ 50,000 |
| Carroll County Kentucky | 2 | $ 75,000 | $ 37,000 | $ 40,000 |
| Hardin County Kentucky | 2 | $ 115,000 | $ 57,000 | $ 57,000 |
| Mason County Kentucky | 2 | $ 233,000 | $ 116,000 | $ 97,000 |
| Nelson County Kentucky | 2 | $ 99,000 | $ 49,000 | $ 40,000 |
| Pendleton County Kentucky | 2 | $ 213,000 | $ 106,000 | $ 76,000 |
| Spencer County Kentucky | 2 | $ 167,000 | $ 83,000 | $ 53,000 |
| Trimble County Kentucky | 2 | $ 221,000 | $ 110,000 | $ 36,000 |
| Lenawee County Michigan | 2 | $ 213,000 | $ 106,000 | $ 38,000 |
| Macomb County Michigan | 2 | $ 229,000 | $ 114,000 | $ 136,000 |
| Bergen County New Jersey | 2 | $ 636,000 | $ 318,000 | $ 285,000 |
| Ocean County New Jersey | 2 | $ 425,000 | $ 212,000 | $ 667,000 |
| Brunswick County North Carolina | 2 | $ 588,000 | $ 294,000 | $ 340,000 |
| Carroll County Ohio | 2 | $ 143,000 | $ 71,000 | $ 76,000 |
| Coshocton County Ohio | 2 | $ 246,000 | $ 123,000 | $ 60,000 |
| Crawford County Ohio | 2 | $ 121,000 | $ 60,000 | $ 47,000 |
| Darke County Ohio | 2 | $ 198,000 | $ 99,000 | $ 59,000 |
| Guernsey County Ohio | 2 | $ 172,000 | $ 86,000 | $ 48,000 |
| Hardin County Ohio | 2 | $ 104,000 | $ 52,000 | $ 48,000 |
| Ross County Ohio | 2 | $ 216,000 | $ 108,000 | $ 54,000 |
| Butler County Pennsylvania | 2 | $ 132,000 | $ 66,000 | $ 87,000 |
| Dauphin County Pennsylvania | 2 | $ 126,000 | $ 63,000 | $ 43,000 |
| Northampton County Pennsylvania | 2 | $ 222,000 | $ 111,000 | $ 47,000 |
| Rutland County Vermont | 2 | $ 339,000 | $ 169,000 | $ 74,000 |
| Jefferson County Alabama | 1 | $ 44,000 | $ 44,000 | $ 26,000 |
| Morgan County Alabama | 1 | $ 77,000 | $ 77,000 | $ 103,000 |
| Brevard County Florida | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Manatee County Florida | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Marion County Florida | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Pasco County Florida | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Sarasota County Florida | 1 | $ 163,000 | $ 163,000 | $ 87,000 |
| Brown County Indiana | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| DeKalb County Indiana | 1 | $ 222,000 | $ 222,000 | $ 119,000 |
| Floyd County Indiana | 1 | $ 79,000 | $ 79,000 | $ 43,000 |
| LaPorte County Indiana | 1 | $ 288,000 | $ 288,000 | $ 84,000 |
| Montgomery County Indiana | 1 | $ 149,000 | $ 149,000 | $ 85,000 |
| Steuben County Indiana | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Switzerland County Indiana | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Union County Indiana | 1 | $ 53,000 | $ 53,000 | $ 54,000 |
| Wells County Indiana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Breathitt County Kentucky | 1 | $ 73,000 | $ 73,000 | $ 60,000 |
| Grant County Kentucky | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Calhoun County Michigan | 1 | $ 334,000 | $ 334,000 | $ 132,000 |
| Hillsdale County Michigan | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Kalamazoo County Michigan | 1 | $ 227,000 | $ 227,000 | $ 88,000 |
| Monroe County Michigan | 1 | $ 74,000 | $ 74,000 | $ 108,000 |
| Montcalm County Michigan | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Roscommon County Michigan | 1 | $ 121,000 | $ 121,000 | $ 48,000 |
| St. Joseph County Michigan | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Clay County Missouri | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
| Jackson County Missouri | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Essex County New Jersey | 1 | $ 164,000 | $ 164,000 | $ 108,000 |
| Hudson County New Jersey | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Middlesex County New Jersey | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Somerset County New Jersey | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Sussex County New Jersey | 1 | $ 126,000 | $ 126,000 | $ 135,000 |
| Chautauqua County New York | 1 | $ 100,000 | $ 100,000 | $ 520,000 |
| Harnett County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 45,000 |
| Allen County Ohio | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Auglaize County Ohio | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Clark County Ohio | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
| Fulton County Ohio | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Harrison County Ohio | 1 | $ 191,000 | $ 191,000 | $ 82,000 |
| Monroe County Ohio | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Noble County Ohio | 1 | $ 79,000 | $ 79,000 | $ 46,000 |
| Wyandot County Ohio | 1 | $ 201,000 | $ 201,000 | $ 70,000 |
| Bedford County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Bucks County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Crawford County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Indiana County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Lackawanna County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Lancaster County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Lehigh County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Luzerne County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 68,000 |
| Montgomery County Pennsylvania | 1 | $ 266,000 | $ 266,000 | $ 180,000 |
| Somerset County Pennsylvania | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Beaufort County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| York County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 120,000 |
| Jefferson County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Kenosha County Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 95,000 |
| Milwaukee County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Outagamie County 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.