Sky Bank C/O Huntington Bank Mortgage Lending & HMDA Data, 2003
In 2003, Sky Bank C/O Huntington Bank of Bowling Green, OH reported 35,507 mortgage applications totaling $3.4 billion. The average application was for $94,721, and applicants reported an average income of $75,166. 76% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Toledo, OH (5,918), Pittsburgh, PA (3,274) and Youngstown-Warren, OH (3,177) (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 | 35,507 |
| Total Mortgage Loan Application Amount | $3,363,293,000 |
| Average Mortgage Loan Application Amount | $94,721 |
| Highest Mortgage Loan Application Amount | $7,200,000 |
| Average Applicant Income | $75,166 |
| Highest Applicant Income | $2,660,000 |
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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Toledo, OH | 5,918 | $ 643,683,000 | $ 108,766 | $ 72,000 |
| Pittsburgh, PA | 3,274 | $ 250,226,000 | $ 76,428 | $ 66,000 |
| Youngstown-Warren, OH | 3,177 | $ 247,024,000 | $ 77,753 | $ 63,000 |
| Canton-Massillon, OH | 1,594 | $ 156,524,000 | $ 98,195 | $ 67,000 |
| Steubenville-Weirton, OH-WV | 1,403 | $ 89,221,000 | $ 63,593 | $ 66,000 |
| Cleveland-Lorain-Elyria, OH | 1,297 | $ 155,699,000 | $ 120,045 | $ 98,000 |
| Dayton-Springfield, OH | 1,119 | $ 129,311,000 | $ 115,559 | $ 95,000 |
| Ann Arbor, MI | 912 | $ 87,416,000 | $ 95,850 | $ 67,000 |
| Lima, OH | 803 | $ 61,075,000 | $ 76,058 | $ 67,000 |
| Sharon, PA | 697 | $ 49,290,000 | $ 70,717 | $ 76,000 |
| Erie, PA | 473 | $ 32,140,000 | $ 67,949 | $ 53,000 |
| Columbus, OH | 403 | $ 75,472,000 | $ 187,275 | $ 91,000 |
| Fort Wayne, IN | 389 | $ 38,709,000 | $ 99,508 | $ 64,000 |
| Akron, OH | 354 | $ 51,591,000 | $ 145,737 | $ 93,000 |
| Detroit, MI | 288 | $ 37,153,000 | $ 129,003 | $ 99,000 |
| Cincinnati, OH-KY-IN | 165 | $ 22,766,000 | $ 137,975 | $ 129,000 |
| Wheeling, WV-OH | 53 | $ 3,166,000 | $ 59,735 | $ 48,000 |
| Jackson, MI | 50 | $ 5,716,000 | $ 114,320 | $ 75,000 |
| Kalamazoo-Battle Creek, MI | 41 | $ 3,978,000 | $ 97,024 | $ 66,000 |
| Hamilton-Middletown, OH | 36 | $ 4,514,000 | $ 125,388 | $ 80,000 |
| Philadelphia, PA-NJ | 23 | $ 3,186,000 | $ 138,521 | $ 99,000 |
| Middlesex-Somerset-Hunterdon, NJ | 20 | $ 3,299,000 | $ 164,950 | $ 96,000 |
| Fort Myers-Cape Coral, FL | 19 | $ 4,545,000 | $ 239,210 | $ 151,000 |
| Mansfield, OH | 19 | $ 1,927,000 | $ 101,421 | $ 47,000 |
| Newark, NJ | 18 | $ 2,688,000 | $ 149,333 | $ 95,000 |
| Chicago, IL | 17 | $ 2,546,000 | $ 149,764 | $ 81,000 |
| Naples, FL | 17 | $ 4,798,000 | $ 282,235 | $ 224,000 |
| Gary, IN | 12 | $ 1,578,000 | $ 131,500 | $ 62,000 |
| Lansing-East Lansing, MI | 12 | $ 1,481,000 | $ 123,416 | $ 49,000 |
| Monmouth-Ocean, NJ | 12 | $ 1,650,000 | $ 137,500 | $ 53,000 |
| Johnstown, PA | 11 | $ 1,323,000 | $ 120,272 | $ 102,000 |
| Phoenix-Mesa, AZ | 11 | $ 1,575,000 | $ 143,181 | $ 159,000 |
| Indianapolis, IN | 10 | $ 1,153,000 | $ 115,300 | $ 74,000 |
| Jacksonville, FL | 10 | $ 726,000 | $ 72,600 | $ 125,000 |
| Sarasota-Bradenton, FL | 10 | $ 1,679,000 | $ 167,900 | $ 157,000 |
| West Palm Beach-Boca Raton, FL | 10 | $ 3,982,000 | $ 398,200 | $ 276,000 |
| Las Vegas, NV-AZ | 9 | $ 1,716,000 | $ 190,666 | $ 154,000 |
| Allentown-Bethlehem-Easton, PA | 8 | $ 811,000 | $ 101,375 | $ 66,000 |
| Jamestown, NY | 8 | $ 1,076,000 | $ 134,500 | $ 220,000 |
| Grand Rapids-Muskegon-Holland, MI | 7 | $ 1,261,000 | $ 180,142 | $ 120,000 |
| South Bend, IN | 7 | $ 1,074,000 | $ 153,428 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,978,000 | $ 282,571 | $ 161,000 |
| Bergen-Passaic, NJ | 6 | $ 937,000 | $ 156,166 | $ 93,000 |
| Fort Pierce-Port St. Lucie, FL | 5 | $ 1,127,000 | $ 225,400 | $ 107,000 |
| Lexington, KY | 5 | $ 519,000 | $ 103,800 | $ 64,000 |
| Atlantic-Cape May, NJ | 4 | $ 806,000 | $ 201,500 | $ 124,000 |
| Baltimore, MD | 4 | $ 340,000 | $ 85,000 | $ 88,000 |
| Benton Harbor, MI | 4 | $ 384,000 | $ 96,000 | $ 44,000 |
| Flint, MI | 4 | $ 263,000 | $ 65,750 | $ 66,000 |
| Fort Lauderdale, FL | 4 | $ 984,000 | $ 246,000 | $ 205,000 |
| Panama City, FL | 4 | $ 691,000 | $ 172,750 | $ 114,000 |
| Punta Gorda, FL | 4 | $ 395,000 | $ 98,750 | $ 70,000 |
| Raleigh-Durham-Chapel Hill, NC | 4 | $ 369,000 | $ 92,250 | $ 95,000 |
| Dallas, TX | 3 | $ 580,000 | $ 193,333 | $ 99,000 |
| Daytona Beach, FL | 3 | $ 375,000 | $ 125,000 | $ 82,000 |
| Elkhart-Goshen, IN | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Fort Walton Beach, FL | 3 | $ 956,000 | $ 318,666 | $ 163,000 |
| Hartford, CT | 3 | $ 529,000 | $ 176,333 | $ 99,000 |
| Kokomo, IN | 3 | $ 254,000 | $ 84,666 | $ 34,000 |
| Miami, FL | 3 | $ 842,000 | $ 280,666 | $ 220,000 |
| Portsmouth-Rochester, NH-ME | 3 | $ 721,000 | $ 240,333 | $ 168,000 |
| San Diego, CA | 3 | $ 553,000 | $ 184,333 | $ 33,000 |
| Trenton, NJ | 3 | $ 471,000 | $ 157,000 | $ 87,000 |
| Atlanta, GA | 2 | $ 291,000 | $ 145,500 | $ 56,000 |
| Evansville-Henderson, IN-KY | 2 | $ 138,000 | $ 69,000 | $ 28,000 |
| Houston, TX | 2 | $ 148,000 | $ 74,000 | $ 95,000 |
| Knoxville, TN | 2 | $ 221,000 | $ 110,500 | $ 107,000 |
| Lafayette, IN | 2 | $ 214,000 | $ 107,000 | $ 185,000 |
| Lakeland-Winter Haven, FL | 2 | $ 175,000 | $ 87,500 | $ 145,000 |
| Los Angeles-Long Beach, CA | 2 | $ 217,000 | $ 108,500 | $ 46,000 |
| Louisville, KY-IN | 2 | $ 151,000 | $ 75,500 | $ 45,000 |
| Lynchburg, VA | 2 | $ 303,000 | $ 151,500 | $ 60,000 |
| Mobile, AL | 2 | $ 427,000 | $ 213,500 | $ 158,000 |
| Myrtle Beach, SC | 2 | $ 267,000 | $ 133,500 | $ 130,000 |
| New Orleans, LA | 2 | $ 135,000 | $ 67,500 | $ 70,000 |
| Ocala, FL | 2 | $ 113,000 | $ 56,500 | $ 100,000 |
| Orlando, FL | 2 | $ 339,000 | $ 169,500 | $ 75,000 |
| Pensacola, FL | 2 | $ 219,000 | $ 109,500 | $ 77,000 |
| Rochester, NY | 2 | $ 178,000 | $ 89,000 | $ 55,000 |
| Saginaw-Bay City-Midland, MI | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| Tucson, AZ | 2 | $ 166,000 | $ 83,000 | $ 56,000 |
| Albany, GA | 1 | $ 111,000 | $ 111,000 | $ 125,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 149,000 | $ 149,000 | $ 72,000 |
| Augusta-Aiken, GA-SC | 1 | $ 165,000 | $ 165,000 | $ 141,000 |
| Barnstable-Yarmouth, MA | 1 | $ 268,000 | $ 268,000 | $ 384,000 |
| Bloomington, IN | 1 | $ 2,060,000 | $ 2,060,000 | $ 92,000 |
| Boston, MA-NH | 1 | $ 200,000 | $ 200,000 | $ 108,000 |
| Charleston, WV | 1 | $ 220,000 | $ 220,000 | $ 54,000 |
| Charleston-North Charleston, SC | 1 | $ 153,000 | $ 153,000 | $ 270,000 |
| Charlottesville, VA | 1 | $ 600,000 | $ 600,000 | $ 684,000 |
| Colorado Springs, CO | 1 | $ 137,000 | $ 137,000 | $ 145,000 |
| Eau Claire, WI | 1 | $ 220,000 | $ 220,000 | $ 107,000 |
| Florence, AL | 1 | $ 186,000 | $ 186,000 | $ 60,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Harrisburg-Lebanon-Carlisle, PA | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Hickory-Morganton-Lenoir, NC | 1 | $ 106,000 | $ 106,000 | $ 55,000 |
| Honolulu, HI | 1 | $ 214,000 | $ 214,000 | $ 204,000 |
| Jersey City, NJ | 1 | $ 267,000 | $ 267,000 | $ 102,000 |
| Lafayette, LA | 1 | $ 316,000 | $ 316,000 | $ 181,000 |
| Minneapolis-St. Paul, MN-WI | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Orange County, CA | 1 | $ 323,000 | $ 323,000 | $ 181,000 |
| Portland-Vancouver, OR-WA | 1 | $ 83,000 | $ 83,000 | $ 61,000 |
| Reno, NV | 1 | $ 107,000 | $ 107,000 | $ 12,000 |
| Richmond-Petersburg, VA | 1 | $ 279,000 | $ 279,000 | $ 96,000 |
| Sacramento, CA | 1 | $ 99,000 | $ 99,000 | $ 142,000 |
| Salt Lake City-Ogden, UT | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| San Antonio, TX | 1 | $ 127,000 | $ 127,000 | $ 40,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 227,000 | $ 227,000 | $ 74,000 |
| Sioux Falls, SD | 1 | $ 57,000 | $ 57,000 | $ 58,000 |
| St. Louis, MO-IL | 1 | $ 94,000 | $ 94,000 | $ 58,000 |
| Tulsa, OK | 1 | $ 54,000 | $ 54,000 | $ 86,000 |
| Wilmington, NC | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Sky Bank C/O Huntington 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) | 24,902 | $2,504,138,000 | $159,657 | $2,200,000 | $112,000 | $2,660,000 |
| Home Purchase (one-to-four family) | 6,081 | $676,153,000 | $179,461 | $5,500,000 | $113,115 | $1,524,000 |
| Home Improvement (one-to-four family) | 4,416 | $112,382,000 | $24,500 | $265,000 | $55,166 | $1,471,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 108 | $70,620,000 | $359,250 | $7,200,000 | $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 | 29,331 | $2,665,880,000 | $146,914 | $3,800,000 | $107,285 | $2,489,000 |
| Information not provided by applicant in mail or telephone application | 4,808 | $522,323,000 | $187,857 | $2,060,000 | $106,571 | $2,660,000 |
| Black | 574 | $40,983,000 | $76,800 | $563,000 | $60,400 | $467,000 |
| Hispanic | 356 | $24,407,000 | $52,600 | $444,000 | $57,800 | $282,000 |
| Not applicable | 210 | $77,342,000 | $288,285 | $7,200,000 | $0 | $0 |
| Asian or Pacific Islander | 134 | $21,251,000 | $146,800 | $2,506,000 | $157,200 | $673,000 |
| Other | 67 | $8,452,000 | $131,600 | $600,000 | $123,800 | $400,000 |
| American Indian or Alaskan Native | 27 | $2,655,000 | $91,600 | $536,000 | $88,400 | $756,000 |
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) | 35,503 | $3,363,047,000 | $156,000 | $7,200,000 | $103,702 | $2,660,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $147,000 | $63,500 | $107,000 | $30,000 | $36,000 |
| FHA-insured (Federal Housing Administration) | 1 | $99,000 | $99,000 | $99,000 | $45,000 | $45,000 |
| 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 | 26,875 | $2,596,650,000 | $158,527 | $7,200,000 | $105,805 | $2,660,000 |
| Application Denied By Financial Institution | 4,147 | $338,811,000 | $112,333 | $791,000 | $70,333 | $1,471,000 |
| Application Withdrawn By Applicant | 3,855 | $398,012,000 | $183,850 | $1,700,000 | $136,900 | $2,489,000 |
| Application Approved But Not Accepted | 610 | $29,308,000 | $86,333 | $500,000 | $66,333 | $577,000 |
| File Closed For Incompleteness | 20 | $512,000 | $22,000 | $112,000 | $51,500 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 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 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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