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records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Youngstown-Warren-Boardman, OH-PA | 640 | $ 49,377,000 | $ 77,151 | $ 55,000 |
| Columbus, OH | 469 | $ 47,285,000 | $ 100,820 | $ 81,000 |
| Akron, OH | 403 | $ 42,895,000 | $ 106,439 | $ 68,000 |
| Cleveland-Elyria-Mentor, OH | 368 | $ 47,012,000 | $ 127,750 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 171 | $ 18,684,000 | $ 109,263 | $ 83,000 |
| Canton-Massillon, OH | 141 | $ 13,240,000 | $ 93,900 | $ 62,000 |
| Indianapolis, IN | 63 | $ 5,737,000 | $ 91,063 | $ 70,000 |
| Toledo, OH | 63 | $ 6,238,000 | $ 99,015 | $ 72,000 |
| Louisville, KY-IN | 46 | $ 4,977,000 | $ 108,195 | $ 60,000 |
| Fort Wayne, IN | 40 | $ 2,690,000 | $ 67,250 | $ 59,000 |
| Mansfield, OH | 39 | $ 3,598,000 | $ 92,256 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 36 | $ 2,833,000 | $ 78,694 | $ 56,000 |
| York-Hanover, PA | 23 | $ 2,097,000 | $ 91,173 | $ 61,000 |
| Dayton, OH | 20 | $ 1,587,000 | $ 79,350 | $ 71,000 |
| Pittsburgh, PA | 19 | $ 1,654,000 | $ 87,052 | $ 79,000 |
| Warren-Farmington Hills-Troy, MI | 11 | $ 1,665,000 | $ 151,363 | $ 93,000 |
| Newark-Union, NJ-PA | 9 | $ 1,639,000 | $ 182,111 | $ 118,000 |
| Sandusky, OH | 9 | $ 1,141,000 | $ 126,777 | $ 115,000 |
| Elkhart-Goshen, IN | 6 | $ 406,000 | $ 67,666 | $ 55,000 |
| Harrisburg-Carlisle, PA | 5 | $ 524,000 | $ 104,800 | $ 90,000 |
| Niles-Benton Harbor, MI | 5 | $ 605,000 | $ 121,000 | $ 50,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 921,000 | $ 184,200 | $ 121,000 |
| Bloomington, IN | 4 | $ 274,000 | $ 68,500 | $ 85,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 426,000 | $ 106,500 | $ 54,000 |
| Edison, NJ | 4 | $ 795,000 | $ 198,750 | $ 357,000 |
| Lexington-Fayette, KY | 4 | $ 488,000 | $ 122,000 | $ 94,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 354,000 | $ 118,000 | $ 69,000 |
| Jacksonville, FL | 3 | $ 356,000 | $ 118,666 | $ 178,000 |
| Lansing-East Lansing, MI | 3 | $ 302,000 | $ 100,666 | $ 109,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 383,000 | $ 127,666 | $ 43,000 |
| Anderson, IN | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 550,000 | $ 275,000 | $ 489,000 |
| Elizabethtown, KY | 2 | $ 115,000 | $ 57,500 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 289,000 | $ 144,500 | $ 55,000 |
| Kansas City, MO-KS | 2 | $ 102,000 | $ 51,000 | $ 42,000 |
| Kokomo, IN | 2 | $ 186,000 | $ 93,000 | $ 50,000 |
| Philadelphia, PA | 2 | $ 416,000 | $ 208,000 | $ 108,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 238,000 | $ 119,000 | $ 71,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 134,000 | $ 67,000 | $ 63,000 |
| Wilmington, NC | 2 | $ 588,000 | $ 294,000 | $ 340,000 |
| Appleton, WI | 1 | $ 116,000 | $ 116,000 | $ 29,000 |
| Battle Creek, MI | 1 | $ 334,000 | $ 334,000 | $ 132,000 |
| Birmingham-Hoover, AL | 1 | $ 44,000 | $ 44,000 | $ 26,000 |
| Decatur, AL | 1 | $ 77,000 | $ 77,000 | $ 103,000 |
| Kalamazoo-Portage, MI | 1 | $ 227,000 | $ 227,000 | $ 88,000 |
| Lancaster, PA | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Lima, OH | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Michigan City-La Porte, IN | 1 | $ 288,000 | $ 288,000 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Monroe, MI | 1 | $ 74,000 | $ 74,000 | $ 108,000 |
| Ocala, FL | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Springfield, OH | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
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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