Sky Bank C/O Huntington Bank Mortgage Lending & HMDA Data, 2007
In 2007, Sky Bank C/O Huntington Bank of Bowling Green, OH reported 22,608 mortgage applications totaling $1.9 billion, down 27% from 2006. The average application was for $85,763, and applicants reported an average income of $69,077. 53% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (2,638), Toledo, OH (2,163) and Pittsburgh, PA (2,155) (applications in parentheses).
| Mortgage Company & Address | Sky Bank C/O Huntington Bank 137 Clough St. Bowling Green, OH 43402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 22,608 |
| Total Mortgage Loan Application Amount | $1,938,931,000 |
| Average Mortgage Loan Application Amount | $85,763 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $69,077 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,638 | $ 185,482,000 | $ 70,311 | $ 62,575 |
| Toledo, OH | 2,163 | $ 190,942,000 | $ 88,276 | $ 76,000 |
| Pittsburgh, PA | 2,155 | $ 173,728,000 | $ 80,616 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 1,106 | $ 137,271,000 | $ 124,114 | $ 111,000 |
| Indianapolis-Carmel, IN | 1,018 | $ 80,702,000 | $ 79,275 | $ 86,000 |
| Canton-Massillon, OH | 896 | $ 78,643,000 | $ 87,771 | $ 65,000 |
| Weirton-Steubenville, WV-OH | 861 | $ 49,980,000 | $ 58,048 | $ 56,175 |
| Akron, OH | 717 | $ 81,021,000 | $ 113,000 | $ 84,000 |
| Columbus, OH | 555 | $ 75,015,000 | $ 135,162 | $ 93,000 |
| Dayton, OH | 439 | $ 53,538,000 | $ 121,954 | $ 85,000 |
| Wheeling, WV-OH | 432 | $ 28,377,000 | $ 65,687 | $ 67,715 |
| Erie, PA | 242 | $ 23,977,000 | $ 99,078 | $ 76,000 |
| Lima, OH | 221 | $ 16,888,000 | $ 76,416 | $ 56,000 |
| Monroe, MI | 112 | $ 11,880,000 | $ 106,071 | $ 77,000 |
| Chicago-Naperville-Joliet, IL | 104 | $ 4,811,000 | $ 46,259 | $ 99,000 |
| Cincinnati-Middletown, OH-KY-IN | 80 | $ 7,480,000 | $ 93,500 | $ 91,512 |
| Phoenix-Mesa-Scottsdale, AZ | 52 | $ 4,042,000 | $ 77,730 | $ 126,000 |
| Fort Wayne, IN | 40 | $ 3,998,000 | $ 99,950 | $ 58,000 |
| Warren-Troy-Farmington Hills, MI | 34 | $ 2,954,000 | $ 86,882 | $ 97,000 |
| St. Louis, MO-IL | 25 | $ 903,000 | $ 36,120 | $ 93,000 |
| Ann Arbor, MI | 24 | $ 3,893,000 | $ 162,208 | $ 160,000 |
| Portland-Vancouver-Beaverton, OR-WA | 24 | $ 986,000 | $ 41,083 | $ 87,000 |
| Denver-Aurora, CO | 21 | $ 1,022,000 | $ 48,666 | $ 82,000 |
| Jackson, MI | 21 | $ 1,761,000 | $ 83,857 | $ 48,000 |
| Springfield, OH | 21 | $ 2,724,000 | $ 129,714 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 2,376,000 | $ 198,000 | $ 68,000 |
| Tucson, AZ | 12 | $ 422,000 | $ 35,166 | $ 80,000 |
| Gary, IN | 11 | $ 599,000 | $ 54,454 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 361,000 | $ 32,818 | $ 105,000 |
| Salt Lake City, UT | 11 | $ 408,000 | $ 37,090 | $ 71,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 3,421,000 | $ 342,100 | $ 254,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 927,000 | $ 92,700 | $ 63,800 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 3,133,000 | $ 348,111 | $ 163,000 |
| Kalamazoo-Portage, MI | 9 | $ 501,000 | $ 55,666 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 2,145,000 | $ 238,333 | $ 242,000 |
| Battle Creek, MI | 8 | $ 747,000 | $ 93,375 | $ 51,000 |
| Flint, MI | 8 | $ 375,000 | $ 46,875 | $ 77,000 |
| Naples-Marco Island, FL | 8 | $ 9,508,000 | $ 1,188,500 | $ 179,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 335,000 | $ 41,875 | $ 88,000 |
| Bloomington, IN | 7 | $ 1,065,000 | $ 152,142 | $ 132,000 |
| Fort Collins-Loveland, CO | 7 | $ 309,000 | $ 44,142 | $ 79,000 |
| Lansing-East Lansing, MI | 7 | $ 536,000 | $ 76,571 | $ 85,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 603,000 | $ 86,142 | $ 68,000 |
| Muncie, IN | 7 | $ 479,000 | $ 68,428 | $ 273,000 |
| Punta Gorda, FL | 7 | $ 2,609,000 | $ 372,714 | $ 176,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 580,000 | $ 82,857 | $ 107,000 |
| Boulder, CO | 6 | $ 204,000 | $ 34,000 | $ 124,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 449,000 | $ 74,833 | $ 93,000 |
| Mansfield, OH | 6 | $ 401,000 | $ 66,833 | $ 77,000 |
| Sandusky, OH | 6 | $ 739,000 | $ 123,166 | $ 205,000 |
| Anderson, IN | 5 | $ 303,000 | $ 60,600 | $ 62,000 |
| Columbus, IN | 5 | $ 389,000 | $ 77,800 | $ 46,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 223,000 | $ 44,600 | $ 174,000 |
| Kansas City, MO-KS | 5 | $ 142,000 | $ 28,400 | $ 71,000 |
| Philadelphia, PA | 5 | $ 778,000 | $ 155,600 | $ 143,000 |
| Provo-Orem, UT | 5 | $ 173,000 | $ 34,600 | $ 67,000 |
| Rockford, IL | 5 | $ 160,000 | $ 32,000 | $ 60,000 |
| Spokane, WA | 5 | $ 166,000 | $ 33,200 | $ 64,000 |
| Altoona, PA | 4 | $ 305,000 | $ 76,250 | $ 47,000 |
| Colorado Springs, CO | 4 | $ 190,000 | $ 47,500 | $ 124,000 |
| Grand Junction, CO | 4 | $ 118,000 | $ 29,500 | $ 85,000 |
| Greeley, CO | 4 | $ 127,000 | $ 31,750 | $ 92,000 |
| Holland-Grand Haven, MI | 4 | $ 698,000 | $ 174,500 | $ 106,000 |
| Johnstown, PA | 4 | $ 251,000 | $ 62,750 | $ 43,000 |
| Lafayette, IN | 4 | $ 108,000 | $ 27,000 | $ 61,000 |
| Ogden-Clearfield, UT | 4 | $ 179,000 | $ 44,750 | $ 58,000 |
| Panama City-Lynn Haven, FL | 4 | $ 649,000 | $ 162,250 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 3,358,000 | $ 839,500 | $ 505,000 |
| Bend, OR | 3 | $ 71,000 | $ 23,666 | $ 70,000 |
| Champaign-Urbana, IL | 3 | $ 120,000 | $ 40,000 | $ 119,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 832,000 | $ 277,333 | $ 195,000 |
| Eugene-Springfield, OR | 3 | $ 189,000 | $ 63,000 | $ 76,000 |
| Evansville, IN-KY | 3 | $ 72,000 | $ 24,000 | $ 73,000 |
| Medford, OR | 3 | $ 245,000 | $ 81,666 | $ 108,000 |
| Michigan City-La Porte, IN | 3 | $ 407,000 | $ 135,666 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 965,000 | $ 321,666 | $ 902,000 |
| Orlando-Kissimmee, FL | 3 | $ 632,000 | $ 210,666 | $ 239,000 |
| Peoria, IL | 3 | $ 76,000 | $ 25,333 | $ 67,000 |
| Prescott, AZ | 3 | $ 95,000 | $ 31,666 | $ 86,000 |
| Yuma, AZ | 3 | $ 67,000 | $ 22,333 | $ 70,000 |
| Bloomington-Normal, IL | 2 | $ 73,000 | $ 36,500 | $ 98,000 |
| Elkhart-Goshen, IN | 2 | $ 202,000 | $ 101,000 | $ 97,000 |
| Harrisburg-Carlisle, PA | 2 | $ 118,000 | $ 59,000 | $ 78,000 |
| Kokomo, IN | 2 | $ 275,000 | $ 137,500 | $ 71,000 |
| Logan, UT-ID | 2 | $ 70,000 | $ 35,000 | $ 99,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 490,000 | $ 245,000 | $ 57,000 |
| Niles-Benton Harbor, MI | 2 | $ 179,000 | $ 89,500 | $ 54,000 |
| Olympia, WA | 2 | $ 58,000 | $ 29,000 | $ 38,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 277,000 | $ 138,500 | $ 163,000 |
| Salem, OR | 2 | $ 75,000 | $ 37,500 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 188,000 | $ 94,000 | $ 62,000 |
| Springfield, MO | 2 | $ 46,000 | $ 23,000 | $ 70,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 484,000 | $ 242,000 | $ 188,000 |
| Bellingham, WA | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Bremerton-Silverdale, WA | 1 | $ 44,000 | $ 44,000 | $ 84,000 |
| Charlottesville, VA | 1 | $ 395,000 | $ 395,000 | $ 229,000 |
| Corvallis, OR | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Edison, NJ | 1 | $ 275,000 | $ 275,000 | $ 156,000 |
| Elizabethtown, KY | 1 | $ 57,000 | $ 57,000 | $ 41,000 |
| Fort Worth-Arlington, TX | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Gainesville, FL | 1 | $ 348,000 | $ 348,000 | $ 77,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 79,000 | $ 79,000 | $ 45,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 50,000 | $ 50,000 | $ 160,000 |
| Joplin, MO | 1 | $ 35,000 | $ 35,000 | $ 17,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Las Vegas-Paradise, NV | 1 | $ 220,000 | $ 220,000 | $ 59,000 |
| Lewiston, ID-WA | 1 | $ 27,000 | $ 27,000 | $ 43,000 |
| Longview, WA | 1 | $ 26,000 | $ 26,000 | $ 84,000 |
| Madison, WI | 1 | $ 191,000 | $ 191,000 | $ 120,000 |
| Morgantown, WV | 1 | $ 100,000 | $ 100,000 | $ 359,000 |
| Muskegon-Norton Shores, MI | 1 | $ 24,000 | $ 24,000 | $ 40,000 |
| Nassau-Suffolk, NY | 1 | $ 357,000 | $ 357,000 | $ 180,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 816,000 | $ 816,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Port St. Lucie, FL | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Richmond, VA | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 22,000 | $ 22,000 | $ 41,000 |
| Sebastian-Vero Beach, FL | 1 | $ 251,000 | $ 251,000 | $ 173,000 |
| Tacoma, WA | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Terre Haute, IN | 1 | $ 262,000 | $ 262,000 | $ 120,000 |
| Vallejo-Fairfield, CA | 1 | $ 18,000 | $ 18,000 | $ 22,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 116,000 | $ 116,000 | $ 123,000 |
| Wenatchee, WA | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| Yakima, WA | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| York-Hanover, PA | 1 | $ 57,000 | $ 57,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Sky Bank C/O Huntington Bank in 2007
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 | 9,266 | $953,619,000 | $102,000 | $4,000,000 | $75,000 | $4,992,000 |
| Home Purchase | 7,464 | $798,793,000 | $107,000 | $2,640,000 | $61,000 | $4,992,000 |
| Home Improvement | 5,878 | $186,519,000 | $31,000 | $1,500,000 | $70,000 | $9,999,000 |
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 | 18,302 | $1,474,624,000 | $80,000 | $4,000,000 | $70,000 | $9,999,000 |
| Not Provided | 2,659 | $318,583,000 | $119,000 | $1,300,000 | $74,000 | $2,751,000 |
| Black or African American | 968 | $72,248,000 | $74,000 | $765,000 | $51,000 | $720,000 |
| Hispanic | 352 | $22,372,000 | $63,000 | $572,000 | $56,000 | $530,000 |
| Not applicable | 196 | $36,239,000 | $184,000 | $2,134,000 | $0 | $0 |
| Asian | 98 | $11,924,000 | $121,000 | $768,000 | $88,000 | $542,000 |
| American Indian or Alaskan Native | 25 | $2,075,000 | $83,000 | $320,000 | $49,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $866,000 | $108,000 | $200,000 | $51,000 | $129,000 |
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) | 22,587 | $1,936,921,000 | $85,000 | $4,000,000 | $69,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,010,000 | $95,000 | $167,000 | $38,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 12,023 | $999,943,000 | $83,000 | $4,000,000 | $75,000 | $4,992,000 |
| Application Denied By Financial Institution | 4,633 | $357,587,000 | $77,000 | $2,000,000 | $61,000 | $9,999,000 |
| Preapproval Denied by Financial Institution | 2,479 | $219,810,000 | $88,000 | $1,300,000 | $40,000 | $774,000 |
| Application Withdrawn By Applicant | 1,758 | $191,155,000 | $108,000 | $1,755,000 | $81,000 | $4,992,000 |
| Application Approved But Not Accepted | 1,708 | $169,244,000 | $99,000 | $1,694,000 | $82,000 | $2,751,000 |
| File Closed For Incompleteness | 7 | $1,192,000 | $170,000 | $500,000 | $62,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sky Bank C/O Huntington Bank's 2007 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 Sky Bank C/O Huntington 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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