Sky Bank C/O Huntington Bank Mortgage Lending & HMDA Data, 2004
In 2004, Sky Bank C/O Huntington Bank of Bowling Green, OH reported 25,581 mortgage applications totaling $2.4 billion, down 28% from 2003. The average application was for $94,494, and applicants reported an average income of $63,148. 60% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Toledo, OH (3,467), Pittsburgh, PA (2,381) and Youngstown-Warren-Boardman, OH-PA (2,114) (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 | 25,581 |
| Total Mortgage Loan Application Amount | $2,417,252,000 |
| Average Mortgage Loan Application Amount | $94,494 |
| Highest Mortgage Loan Application Amount | $9,160,000 |
| Average Applicant Income | $63,148 |
| Highest Applicant Income | $7,982,000 |
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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,467 | $ 381,817,000 | $ 110,128 | $ 65,000 |
| Pittsburgh, PA | 2,381 | $ 185,753,000 | $ 78,014 | $ 54,000 |
| Youngstown-Warren-Boardman, OH-PA | 2,114 | $ 164,402,000 | $ 77,768 | $ 58,000 |
| Canton-Massillon, OH | 1,099 | $ 106,364,000 | $ 96,782 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 971 | $ 125,763,000 | $ 129,519 | $ 75,000 |
| Dayton, OH | 726 | $ 79,181,000 | $ 109,064 | $ 71,000 |
| Akron, OH | 482 | $ 62,390,000 | $ 129,439 | $ 80,000 |
| Lima, OH | 466 | $ 46,765,000 | $ 100,354 | $ 71,000 |
| Columbus, OH | 465 | $ 79,187,000 | $ 170,294 | $ 79,000 |
| Weirton-Steubenville, WV-OH | 315 | $ 22,991,000 | $ 72,987 | $ 63,000 |
| Erie, PA | 251 | $ 19,647,000 | $ 78,274 | $ 56,000 |
| Monroe, MI | 163 | $ 21,816,000 | $ 133,840 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 124 | $ 19,150,000 | $ 154,435 | $ 65,000 |
| Fort Wayne, IN | 55 | $ 7,534,000 | $ 136,981 | $ 58,000 |
| Philadelphia, PA | 52 | $ 5,454,000 | $ 104,884 | $ 74,000 |
| Wheeling, WV-OH | 49 | $ 4,245,000 | $ 86,632 | $ 84,000 |
| Springfield, OH | 39 | $ 4,469,000 | $ 114,589 | $ 84,000 |
| Jackson, MI | 34 | $ 3,888,000 | $ 114,352 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 24 | $ 2,620,000 | $ 109,166 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 5,430,000 | $ 246,818 | $ 117,000 |
| Sandusky, OH | 22 | $ 2,108,000 | $ 95,818 | $ 50,000 |
| Indianapolis, IN | 21 | $ 2,903,000 | $ 138,238 | $ 57,000 |
| Ann Arbor, MI | 19 | $ 3,641,000 | $ 191,631 | $ 71,000 |
| Battle Creek, MI | 15 | $ 1,457,000 | $ 97,133 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 15 | $ 2,462,000 | $ 164,133 | $ 75,000 |
| Las Vegas-Paradise, NV | 14 | $ 2,652,000 | $ 189,428 | $ 130,000 |
| Gary, IN | 12 | $ 1,384,000 | $ 115,333 | $ 61,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 2,032,000 | $ 169,333 | $ 248,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,357,000 | $ 135,700 | $ 109,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 9 | $ 684,000 | $ 76,000 | $ 78,000 |
| Kalamazoo-Portage, MI | 8 | $ 736,000 | $ 92,000 | $ 51,000 |
| Mansfield, OH | 8 | $ 1,456,000 | $ 182,000 | $ 31,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,213,000 | $ 276,625 | $ 132,000 |
| Warren-Farmington Hills-Troy, MI | 8 | $ 1,099,000 | $ 137,375 | $ 64,000 |
| Edison, NJ | 7 | $ 1,565,000 | $ 223,571 | $ 265,000 |
| Naples-Marco Island, FL | 7 | $ 4,647,000 | $ 663,857 | $ 751,000 |
| Orlando, FL | 7 | $ 1,176,000 | $ 168,000 | $ 131,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 933,000 | $ 133,285 | $ 73,000 |
| Lansing-East Lansing, MI | 6 | $ 959,000 | $ 159,833 | $ 58,000 |
| Port St. Lucie-Fort Pierce, FL | 6 | $ 618,000 | $ 103,000 | $ 107,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 462,000 | $ 92,400 | $ 61,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 788,000 | $ 157,600 | $ 112,000 |
| Lancaster, PA | 5 | $ 570,000 | $ 114,000 | $ 63,000 |
| Louisville, KY-IN | 4 | $ 531,000 | $ 132,750 | $ 50,000 |
| Panama City-Lynn Haven, FL | 4 | $ 547,000 | $ 136,750 | $ 86,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 540,000 | $ 135,000 | $ 67,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 295,000 | $ 98,333 | $ 43,000 |
| Baltimore-Towson, MD | 3 | $ 386,000 | $ 128,666 | $ 73,000 |
| Charleston-North Charleston, SC | 3 | $ 917,000 | $ 305,666 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 468,000 | $ 156,000 | $ 93,000 |
| Elkhart-Goshen, IN | 3 | $ 223,000 | $ 74,333 | $ 38,000 |
| Flint, MI | 3 | $ 289,000 | $ 96,333 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 416,000 | $ 138,666 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 428,000 | $ 142,666 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 526,000 | $ 175,333 | $ 157,000 |
| Muncie, IN | 3 | $ 157,000 | $ 52,333 | $ 40,000 |
| Ocala, FL | 3 | $ 399,000 | $ 133,000 | $ 65,000 |
| Punta Gorda, FL | 3 | $ 290,000 | $ 96,666 | $ 52,000 |
| Richmond, VA | 3 | $ 398,000 | $ 132,666 | $ 216,000 |
| St. Louis, MO-IL | 3 | $ 318,000 | $ 106,000 | $ 80,000 |
| Wilmington, DE-MD-NJ | 3 | $ 350,000 | $ 116,666 | $ 41,000 |
| Altoona, PA | 2 | $ 147,000 | $ 73,500 | $ 58,000 |
| Charleston, WV | 2 | $ 172,000 | $ 86,000 | $ 44,000 |
| Jacksonville, FL | 2 | $ 317,000 | $ 158,500 | $ 145,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 178,000 | $ 89,000 | $ 26,000 |
| Morgantown, WV | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 155,000 | $ 77,500 | $ 89,000 |
| Ogden-Clearfield, UT | 2 | $ 893,000 | $ 446,500 | $ 464,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 368,000 | $ 184,000 | $ 100,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 146,000 | $ 73,000 | $ 34,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 347,000 | $ 173,500 | $ 85,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 383,000 | $ 191,500 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 387,000 | $ 193,500 | $ 89,000 |
| York-Hanover, PA | 2 | $ 421,000 | $ 210,500 | $ 111,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Anderson, IN | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Auburn-Opelika, AL | 1 | $ 30,000 | $ 30,000 | $ 24,000 |
| Billings, MT | 1 | $ 49,000 | $ 49,000 | $ 31,000 |
| Birmingham-Hoover, AL | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Boston-Quincy, MA | 1 | $ 140,000 | $ 140,000 | $ 69,000 |
| Camden, NJ | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Columbia, SC | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Columbus, IN | 1 | $ 74,000 | $ 74,000 | $ 44,000 |
| Corpus Christi, TX | 1 | $ 66,000 | $ 66,000 | $ 27,000 |
| Cumberland, MD-WV | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| Decatur, IL | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Denver-Aurora, CO | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Dubuque, IA | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Durham, NC | 1 | $ 94,000 | $ 94,000 | $ 83,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 1,038,000 | $ 1,038,000 | $ 251,000 |
| Greensboro-High Point, NC | 1 | $ 120,000 | $ 120,000 | $ 106,000 |
| Harrisburg-Carlisle, PA | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Holland-Grand Haven, MI | 1 | $ 198,000 | $ 198,000 | $ 71,000 |
| Jacksonville, NC | 1 | $ 61,000 | $ 61,000 | $ 177,000 |
| Kokomo, IN | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| Lexington-Fayette, KY | 1 | $ 79,000 | $ 79,000 | $ 96,000 |
| Lincoln, NE | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Madison, WI | 1 | $ 304,000 | $ 304,000 | $ 192,000 |
| Michigan City-La Porte, IN | 1 | $ 160,000 | $ 160,000 | $ 156,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 310,000 | $ 310,000 | $ 70,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 420,000 | $ 420,000 | $ 779,000 |
| Newark-Union, NJ-PA | 1 | $ 233,000 | $ 233,000 | $ 59,000 |
| Niles-Benton Harbor, MI | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 214,000 | $ 214,000 | $ 53,000 |
| Salt Lake City, UT | 1 | $ 262,000 | $ 262,000 | $ 292,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 2,200,000 | $ 2,200,000 | $ 780,000 |
| Spartanburg, SC | 1 | $ 528,000 | $ 528,000 | $ 408,000 |
| State College, PA | 1 | $ 168,000 | $ 168,000 | $ 244,000 |
| Trenton-Ewing, NJ | 1 | $ 277,000 | $ 277,000 | $ 85,000 |
| Tucson, AZ | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Utica-Rome, NY | 1 | $ 12,000 | $ 12,000 | $ 40,000 |
| Vero Beach, FL | 1 | $ 121,000 | $ 121,000 | $ 210,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 420,000 | $ 420,000 | $ 246,000 |
| Wilmington, NC | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 106,000 | $ 106,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Sky Bank C/O Huntington 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 | 11,612 | $1,219,819,000 | $170,064 | $2,685,000 | $95,580 | $1,417,000 |
| Home Purchase | 10,035 | $1,093,624,000 | $225,677 | $9,160,000 | $132,741 | $7,982,000 |
| Home Improvement | 3,934 | $103,809,000 | $47,642 | $800,000 | $86,642 | $926,000 |
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 | 20,567 | $1,850,081,000 | $188,264 | $2,540,000 | $124,264 | $7,982,000 |
| Not Provided | 3,139 | $311,958,000 | $139,857 | $1,753,000 | $129,000 | $1,179,000 |
| Black or African American | 1,018 | $73,676,000 | $104,900 | $600,000 | $61,100 | $2,441,000 |
| Not applicable | 408 | $139,435,000 | $688,500 | $9,160,000 | $0 | $0 |
| Hispanic | 317 | $26,049,000 | $84,571 | $551,000 | $50,714 | $365,000 |
| Asian | 95 | $11,885,000 | $152,625 | $675,000 | $170,625 | $756,000 |
| American Indian or Alaskan Native | 20 | $1,827,000 | $97,600 | $280,000 | $43,800 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $2,341,000 | $115,000 | $708,000 | $77,000 | $534,000 |
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) | 25,581 | $2,417,252,000 | $208,485 | $9,160,000 | $111,714 | $7,982,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 15,330 | $1,554,408,000 | $240,580 | $9,160,000 | $130,354 | $7,982,000 |
| Application Denied By Financial Institution | 4,470 | $333,435,000 | $108,080 | $1,753,000 | $48,040 | $3,203,000 |
| Preapproval Denied by Financial Institution | 2,664 | $230,051,000 | $86,000 | $1,360,000 | $42,000 | $495,000 |
| Application Withdrawn By Applicant | 2,649 | $278,177,000 | $168,875 | $1,450,000 | $146,375 | $1,299,000 |
| Application Approved But Not Accepted | 459 | $21,013,000 | $58,000 | $428,000 | $74,625 | $630,000 |
| File Closed For Incompleteness | 9 | $168,000 | $18,500 | $32,000 | $27,500 | $48,000 |
| 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 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 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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