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records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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, OH | 2,920 | $ 242,745,000 | $ 83,131 | $ 70,000 |
| Cleveland-Lorain-Elyria, OH | 2,463 | $ 288,858,000 | $ 117,278 | $ 67,000 |
| Akron, OH | 2,051 | $ 230,329,000 | $ 112,300 | $ 70,000 |
| Columbus, OH | 1,528 | $ 173,008,000 | $ 113,225 | $ 82,000 |
| Canton-Massillon, OH | 851 | $ 85,044,000 | $ 99,934 | $ 62,000 |
| Cincinnati, OH-KY-IN | 711 | $ 89,216,000 | $ 125,479 | $ 149,000 |
| Hamilton-Middletown, OH | 207 | $ 22,220,000 | $ 107,342 | $ 78,000 |
| Mansfield, OH | 176 | $ 15,473,000 | $ 87,914 | $ 64,000 |
| Toledo, OH | 157 | $ 18,032,000 | $ 114,853 | $ 71,000 |
| Louisville, KY-IN | 133 | $ 14,386,000 | $ 108,165 | $ 89,000 |
| Newark, NJ | 123 | $ 23,283,000 | $ 189,292 | $ 109,000 |
| York, PA | 119 | $ 9,707,000 | $ 81,571 | $ 65,000 |
| Indianapolis, IN | 97 | $ 9,841,000 | $ 101,453 | $ 75,000 |
| Dayton-Springfield, OH | 92 | $ 8,771,000 | $ 95,336 | $ 71,000 |
| South Bend, IN | 91 | $ 7,226,000 | $ 79,406 | $ 62,000 |
| Pittsburgh, PA | 75 | $ 7,932,000 | $ 105,760 | $ 68,000 |
| Fort Wayne, IN | 50 | $ 3,664,000 | $ 73,280 | $ 68,000 |
| Steubenville-Weirton, OH-WV | 29 | $ 1,745,000 | $ 60,172 | $ 61,000 |
| Middlesex-Somerset-Hunterdon, NJ | 25 | $ 4,570,000 | $ 182,800 | $ 91,000 |
| Harrisburg-Lebanon-Carlisle, PA | 21 | $ 1,713,000 | $ 81,571 | $ 87,000 |
| Sharon, PA | 21 | $ 2,193,000 | $ 104,428 | $ 61,000 |
| Lexington, KY | 19 | $ 2,032,000 | $ 106,947 | $ 87,000 |
| Detroit, MI | 17 | $ 2,237,000 | $ 131,588 | $ 62,000 |
| Elkhart-Goshen, IN | 16 | $ 1,498,000 | $ 93,625 | $ 77,000 |
| Ann Arbor, MI | 15 | $ 2,139,000 | $ 142,600 | $ 104,000 |
| Bergen-Passaic, NJ | 11 | $ 2,640,000 | $ 240,000 | $ 85,000 |
| Wheeling, WV-OH | 10 | $ 369,000 | $ 36,900 | $ 35,000 |
| Erie, PA | 9 | $ 685,000 | $ 76,111 | $ 41,000 |
| Monmouth-Ocean, NJ | 9 | $ 1,675,000 | $ 186,111 | $ 101,000 |
| Philadelphia, PA-NJ | 7 | $ 957,000 | $ 136,714 | $ 84,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 7 | $ 576,000 | $ 82,285 | $ 52,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 912,000 | $ 130,285 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA | 6 | $ 779,000 | $ 129,833 | $ 95,000 |
| Birmingham, AL | 6 | $ 696,000 | $ 116,000 | $ 73,000 |
| Kalamazoo-Battle Creek, MI | 6 | $ 860,000 | $ 143,333 | $ 62,000 |
| Jackson, MI | 5 | $ 673,000 | $ 134,600 | $ 87,000 |
| Lancaster, PA | 5 | $ 274,000 | $ 54,800 | $ 50,000 |
| Altoona, PA | 4 | $ 287,000 | $ 71,750 | $ 59,000 |
| Hagerstown, MD | 4 | $ 466,000 | $ 116,500 | $ 96,000 |
| Jersey City, NJ | 4 | $ 554,000 | $ 138,500 | $ 91,000 |
| Kenosha, WI | 4 | $ 307,000 | $ 76,750 | $ 64,000 |
| State College, PA | 4 | $ 312,000 | $ 78,000 | $ 67,000 |
| West Palm Beach-Boca Raton, FL | 4 | $ 707,000 | $ 176,750 | $ 168,000 |
| Atlanta, GA | 3 | $ 244,000 | $ 81,333 | $ 73,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 286,000 | $ 95,333 | $ 65,000 |
| Lansing-East Lansing, MI | 3 | $ 499,000 | $ 166,333 | $ 73,000 |
| Lima, OH | 3 | $ 315,000 | $ 105,000 | $ 51,000 |
| New Orleans, LA | 3 | $ 328,000 | $ 109,333 | $ 78,000 |
| Sarasota-Bradenton, FL | 3 | $ 367,000 | $ 122,333 | $ 103,000 |
| Trenton, NJ | 3 | $ 371,000 | $ 123,666 | $ 54,000 |
| Baltimore, MD | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Benton Harbor, MI | 2 | $ 72,000 | $ 36,000 | $ 167,000 |
| Fort Myers-Cape Coral, FL | 2 | $ 651,000 | $ 325,500 | $ 141,000 |
| Grand Rapids-Muskegon-Holland, MI | 2 | $ 145,000 | $ 72,500 | $ 73,000 |
| Jacksonville, FL | 2 | $ 149,000 | $ 74,500 | $ 67,000 |
| Johnstown, PA | 2 | $ 308,000 | $ 154,000 | $ 695,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Miami, FL | 2 | $ 526,000 | $ 263,000 | $ 220,000 |
| Mobile, AL | 2 | $ 181,000 | $ 90,500 | $ 51,000 |
| St. Louis, MO-IL | 2 | $ 368,000 | $ 184,000 | $ 70,000 |
| Appleton-Oshkosh-Neenah, WI | 1 | $ 158,000 | $ 158,000 | $ 83,000 |
| Barnstable-Yarmouth, MA | 1 | $ 268,000 | $ 268,000 | $ 396,000 |
| Biloxi-Gulfport-Pascagoula, MS | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Daytona Beach, FL | 1 | $ 301,000 | $ 301,000 | $ 132,000 |
| Decatur, AL | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Flint, MI | 1 | $ 206,000 | $ 206,000 | $ 117,000 |
| Fort Lauderdale, FL | 1 | $ 274,000 | $ 274,000 | $ 56,000 |
| Lafayette, IN | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Myrtle Beach, SC | 1 | $ 63,000 | $ 63,000 | $ 117,000 |
| Naples, FL | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Nashville, TN | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| Phoenix-Mesa, AZ | 1 | $ 113,000 | $ 113,000 | $ 29,000 |
| Raleigh-Durham-Chapel Hill, NC | 1 | $ 157,000 | $ 157,000 | $ 112,000 |
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.
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