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records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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