Sky Bank C/O Huntington Bank Mortgage Lending & HMDA Data, 2005
In 2005, Sky Bank C/O Huntington Bank of Bowling Green, OH reported 28,153 mortgage applications totaling $2.6 billion, up 10% from 2004. The average application was for $92,398, and applicants reported an average income of $65,159. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Toledo, OH (3,198), Pittsburgh, PA (2,799) and Youngstown-Warren-Boardman, OH-PA (2,706) (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 | 28,153 |
| Total Mortgage Loan Application Amount | $2,601,294,000 |
| Average Mortgage Loan Application Amount | $92,398 |
| Highest Mortgage Loan Application Amount | $5,600,000 |
| Average Applicant Income | $65,159 |
| Highest Applicant Income | $3,652,000 |
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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,198 | $ 339,834,000 | $ 106,264 | $ 82,000 |
| Pittsburgh, PA | 2,799 | $ 227,541,000 | $ 81,293 | $ 57,000 |
| Youngstown-Warren-Boardman, OH-PA | 2,706 | $ 201,642,000 | $ 74,516 | $ 59,000 |
| Cleveland-Elyria-Mentor, OH | 1,253 | $ 171,469,000 | $ 136,846 | $ 77,000 |
| Canton-Massillon, OH | 1,214 | $ 105,662,000 | $ 87,036 | $ 58,000 |
| Akron, OH | 755 | $ 92,807,000 | $ 122,923 | $ 89,000 |
| Dayton, OH | 707 | $ 83,784,000 | $ 118,506 | $ 89,000 |
| Columbus, OH | 589 | $ 100,940,000 | $ 171,375 | $ 93,000 |
| Lima, OH | 410 | $ 28,882,000 | $ 70,443 | $ 62,000 |
| Erie, PA | 307 | $ 24,049,000 | $ 78,335 | $ 59,000 |
| Weirton-Steubenville, WV-OH | 269 | $ 21,276,000 | $ 79,092 | $ 49,000 |
| Monroe, MI | 174 | $ 25,195,000 | $ 144,798 | $ 72,000 |
| Cincinnati-Middletown, OH-KY-IN | 124 | $ 16,700,000 | $ 134,677 | $ 115,000 |
| Wheeling, WV-OH | 109 | $ 10,280,000 | $ 94,311 | $ 80,000 |
| Fort Wayne, IN | 56 | $ 6,471,000 | $ 115,553 | $ 95,000 |
| Springfield, OH | 42 | $ 4,432,000 | $ 105,523 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 31 | $ 7,886,000 | $ 254,387 | $ 170,000 |
| Jackson, MI | 30 | $ 3,278,000 | $ 109,266 | $ 64,000 |
| Detroit-Livonia-Dearborn, MI | 26 | $ 2,574,000 | $ 99,000 | $ 66,000 |
| Sandusky, OH | 22 | $ 3,003,000 | $ 136,500 | $ 134,000 |
| Naples-Marco Island, FL | 16 | $ 4,248,000 | $ 265,500 | $ 204,000 |
| Warren-Farmington Hills-Troy, MI | 16 | $ 2,287,000 | $ 142,937 | $ 79,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 13 | $ 1,734,000 | $ 133,384 | $ 126,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 3,132,000 | $ 240,923 | $ 134,000 |
| Ann Arbor, MI | 12 | $ 1,357,000 | $ 113,083 | $ 87,000 |
| Orlando, FL | 12 | $ 1,770,000 | $ 147,500 | $ 97,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 5,550,000 | $ 462,500 | $ 236,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 2,254,000 | $ 250,444 | $ 188,000 |
| Mansfield, OH | 9 | $ 859,000 | $ 95,444 | $ 68,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 1,253,000 | $ 139,222 | $ 207,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 2,471,000 | $ 274,555 | $ 155,000 |
| Battle Creek, MI | 8 | $ 602,000 | $ 75,250 | $ 44,000 |
| Lansing-East Lansing, MI | 8 | $ 898,000 | $ 112,250 | $ 66,000 |
| Philadelphia, PA | 8 | $ 1,299,000 | $ 162,375 | $ 92,000 |
| Elkhart-Goshen, IN | 7 | $ 794,000 | $ 113,428 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,393,000 | $ 341,857 | $ 252,000 |
| Gary, IN | 7 | $ 1,297,000 | $ 185,285 | $ 60,000 |
| Punta Gorda, FL | 6 | $ 1,774,000 | $ 295,666 | $ 100,000 |
| Las Vegas-Paradise, NV | 5 | $ 782,000 | $ 156,400 | $ 130,000 |
| Louisville, KY-IN | 5 | $ 956,000 | $ 191,200 | $ 55,000 |
| Niles-Benton Harbor, MI | 5 | $ 571,000 | $ 114,200 | $ 47,000 |
| Panama City-Lynn Haven, FL | 5 | $ 730,000 | $ 146,000 | $ 165,000 |
| Columbia, SC | 4 | $ 847,000 | $ 211,750 | $ 79,000 |
| Flint, MI | 4 | $ 487,000 | $ 121,750 | $ 78,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 647,000 | $ 161,750 | $ 95,000 |
| Kalamazoo-Portage, MI | 4 | $ 458,000 | $ 114,500 | $ 37,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 798,000 | $ 199,500 | $ 125,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 374,000 | $ 93,500 | $ 174,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 292,000 | $ 97,333 | $ 96,000 |
| Indianapolis, IN | 3 | $ 216,000 | $ 72,000 | $ 35,000 |
| Lakeland, FL | 3 | $ 285,000 | $ 95,000 | $ 66,000 |
| Morgantown, WV | 3 | $ 333,000 | $ 111,000 | $ 73,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 696,000 | $ 232,000 | $ 140,000 |
| Richmond, VA | 3 | $ 447,000 | $ 149,000 | $ 440,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 104,000 | $ 52,000 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 480,000 | $ 240,000 | $ 129,000 |
| Baltimore-Towson, MD | 2 | $ 258,000 | $ 129,000 | $ 51,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 190,000 | $ 95,000 | $ 93,000 |
| Edison, NJ | 2 | $ 79,000 | $ 39,500 | $ 59,000 |
| Jacksonville, FL | 2 | $ 289,000 | $ 144,500 | $ 111,000 |
| Johnstown, PA | 2 | $ 216,000 | $ 108,000 | $ 55,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 454,000 | $ 227,000 | $ 38,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 820,000 | $ 410,000 | $ 81,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 105,000 | $ 52,500 | $ 42,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 379,000 | $ 189,500 | $ 74,000 |
| York-Hanover, PA | 2 | $ 399,000 | $ 199,500 | $ 87,000 |
| Altoona, PA | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Anderson, IN | 1 | $ 22,000 | $ 22,000 | $ 37,000 |
| Asheville, NC | 1 | $ 177,000 | $ 177,000 | $ 179,000 |
| Bakersfield, CA | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 69,000 | $ 69,000 | $ 66,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 116,000 | $ 116,000 | $ 92,000 |
| Boston-Quincy, MA | 1 | $ 335,000 | $ 335,000 | $ 63,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Champaign-Urbana, IL | 1 | $ 119,000 | $ 119,000 | $ 124,000 |
| Columbus, IN | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Durham, NC | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Evansville, IN-KY | 1 | $ 93,000 | $ 93,000 | $ 19,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 76,000 | $ 76,000 | $ 131,000 |
| Harrisburg-Carlisle, PA | 1 | $ 360,000 | $ 360,000 | $ 382,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 69,000 | $ 69,000 | $ 83,000 |
| Kansas City, MO-KS | 1 | $ 180,000 | $ 180,000 | $ 83,000 |
| Knoxville, TN | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Kokomo, IN | 1 | $ 156,000 | $ 156,000 | $ 53,000 |
| Lexington-Fayette, KY | 1 | $ 280,000 | $ 280,000 | $ 168,000 |
| Memphis, TN-MS-AR | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Michigan City-La Porte, IN | 1 | $ 295,000 | $ 295,000 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Muncie, IN | 1 | $ 72,000 | $ 72,000 | $ 219,000 |
| Muskegon-Norton Shores, MI | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 798,000 | $ 798,000 | $ 724,000 |
| Newark-Union, NJ-PA | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Oklahoma City, OK | 1 | $ 88,000 | $ 88,000 | $ 113,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 156,000 | $ 156,000 | $ 65,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 14,000 | $ 14,000 | $ 28,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 479,000 | $ 479,000 | $ 176,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 825,000 | $ 825,000 | $ 347,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 263,000 | $ 263,000 | $ 50,000 |
| Trenton-Ewing, NJ | 1 | $ 169,000 | $ 169,000 | $ 73,000 |
| Valdosta, GA | 1 | $ 108,000 | $ 108,000 | $ 63,000 |
| Vero Beach, FL | 1 | $ 182,000 | $ 182,000 | $ 26,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Sky Bank C/O Huntington Bank in 2005
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 | 12,508 | $1,307,534,000 | $147,560 | $2,125,000 | $78,720 | $3,652,000 |
| Home Purchase | 10,771 | $1,160,484,000 | $224,200 | $5,600,000 | $136,160 | $2,877,000 |
| Home Improvement | 4,874 | $133,276,000 | $42,307 | $556,000 | $125,846 | $1,584,000 |
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 | 21,971 | $1,953,459,000 | $177,193 | $5,600,000 | $108,967 | $3,652,000 |
| Not Provided | 4,182 | $467,984,000 | $160,000 | $2,000,000 | $80,588 | $2,751,000 |
| Black or African American | 1,167 | $79,930,000 | $64,714 | $1,750,000 | $55,571 | $640,000 |
| Hispanic | 333 | $22,937,000 | $69,000 | $300,000 | $49,000 | $364,000 |
| Not applicable | 331 | $54,273,000 | $182,000 | $2,035,000 | $0 | $0 |
| Asian | 108 | $16,816,000 | $137,000 | $1,000,000 | $190,285 | $819,000 |
| American Indian or Alaskan Native | 37 | $2,527,000 | $66,000 | $350,000 | $46,666 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $3,368,000 | $118,333 | $765,000 | $68,000 | $206,000 |
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) | 28,153 | $2,601,294,000 | $175,593 | $5,600,000 | $106,781 | $3,652,000 |
| 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 | 16,001 | $1,495,521,000 | $177,392 | $2,125,000 | $121,535 | $2,751,000 |
| Application Denied By Financial Institution | 5,076 | $410,586,000 | $170,933 | $5,600,000 | $73,933 | $2,877,000 |
| Preapproval Denied by Financial Institution | 3,255 | $286,444,000 | $88,000 | $800,000 | $41,000 | $894,000 |
| Application Withdrawn By Applicant | 1,945 | $223,742,000 | $199,529 | $1,710,000 | $94,117 | $1,441,000 |
| Application Approved But Not Accepted | 1,874 | $184,835,000 | $198,714 | $2,000,000 | $112,785 | $3,652,000 |
| File Closed For Incompleteness | 2 | $166,000 | $83,000 | $90,000 | $30,000 | $61,000 |
| 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 2005 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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