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records Second Nat'l Bank C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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