Sky Bank C/O Huntington Bank Mortgage Lending & HMDA Data, 2006
In 2006, Sky Bank C/O Huntington Bank of Bowling Green, OH reported 30,869 mortgage applications totaling $2.7 billion, up 10% from 2005. The average application was for $86,561, and applicants reported an average income of $63,779. 56% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (3,953), Toledo, OH (3,111) and Pittsburgh, PA (3,058) (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 | 30,869 |
| Total Mortgage Loan Application Amount | $2,672,079,000 |
| Average Mortgage Loan Application Amount | $86,561 |
| Highest Mortgage Loan Application Amount | $7,203,000 |
| Average Applicant Income | $63,779 |
| Highest Applicant Income | $4,200,000 |
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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,953 | $ 282,537,000 | $ 71,474 | $ 63,264 |
| Toledo, OH | 3,111 | $ 291,101,000 | $ 93,571 | $ 69,000 |
| Pittsburgh, PA | 3,058 | $ 248,083,000 | $ 81,125 | $ 62,000 |
| Cleveland-Elyria-Mentor, OH | 1,630 | $ 200,896,000 | $ 123,249 | $ 86,000 |
| Weirton-Steubenville, WV-OH | 1,434 | $ 82,697,000 | $ 57,668 | $ 56,476 |
| Canton-Massillon, OH | 1,324 | $ 112,295,000 | $ 84,814 | $ 66,000 |
| Akron, OH | 905 | $ 90,537,000 | $ 100,040 | $ 86,000 |
| Columbus, OH | 727 | $ 101,210,000 | $ 139,215 | $ 103,000 |
| Wheeling, WV-OH | 680 | $ 39,693,000 | $ 58,372 | $ 57,420 |
| Dayton, OH | 640 | $ 73,740,000 | $ 115,218 | $ 73,000 |
| Lima, OH | 480 | $ 36,578,000 | $ 76,204 | $ 52,000 |
| Erie, PA | 323 | $ 24,931,000 | $ 77,185 | $ 62,000 |
| Indianapolis-Carmel, IN | 245 | $ 28,198,000 | $ 115,093 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 140 | $ 21,357,000 | $ 152,550 | $ 104,607 |
| Monroe, MI | 139 | $ 19,021,000 | $ 136,841 | $ 97,000 |
| Fort Wayne, IN | 64 | $ 8,702,000 | $ 135,968 | $ 53,000 |
| South Bend-Mishawaka, IN-MI | 42 | $ 4,272,000 | $ 101,714 | $ 59,571 |
| Springfield, OH | 39 | $ 4,607,000 | $ 118,128 | $ 80,000 |
| Jackson, MI | 31 | $ 3,484,000 | $ 112,387 | $ 62,000 |
| Sandusky, OH | 22 | $ 3,353,000 | $ 152,409 | $ 140,000 |
| Warren-Troy-Farmington Hills, MI | 22 | $ 9,182,000 | $ 417,363 | $ 156,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 5,280,000 | $ 251,428 | $ 160,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 3,024,000 | $ 201,600 | $ 137,000 |
| Tampa-St. Petersburg-Clearwater, FL | 15 | $ 5,507,000 | $ 367,133 | $ 132,000 |
| Mansfield, OH | 14 | $ 1,704,000 | $ 121,714 | $ 60,000 |
| Detroit-Livonia-Dearborn, MI | 13 | $ 1,415,000 | $ 108,846 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 11 | $ 2,105,000 | $ 191,363 | $ 150,000 |
| Naples-Marco Island, FL | 11 | $ 4,825,000 | $ 438,636 | $ 651,000 |
| Battle Creek, MI | 10 | $ 803,000 | $ 80,300 | $ 59,000 |
| Ann Arbor, MI | 9 | $ 1,985,000 | $ 220,555 | $ 102,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 3,766,000 | $ 418,444 | $ 378,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 1,834,000 | $ 229,250 | $ 190,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,795,000 | $ 256,428 | $ 132,000 |
| Philadelphia, PA | 7 | $ 1,439,000 | $ 205,571 | $ 104,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 830,000 | $ 138,333 | $ 167,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,468,000 | $ 293,600 | $ 165,000 |
| Niles-Benton Harbor, MI | 5 | $ 748,000 | $ 149,600 | $ 58,000 |
| Tucson, AZ | 5 | $ 952,000 | $ 190,400 | $ 219,000 |
| Jacksonville, FL | 4 | $ 572,000 | $ 143,000 | $ 95,000 |
| Kalamazoo-Portage, MI | 4 | $ 395,000 | $ 98,750 | $ 66,000 |
| Lansing-East Lansing, MI | 4 | $ 560,000 | $ 140,000 | $ 57,000 |
| Louisville-Jefferson County, KY-IN | 4 | $ 1,010,000 | $ 252,500 | $ 108,000 |
| Panama City-Lynn Haven, FL | 4 | $ 550,000 | $ 137,500 | $ 76,000 |
| Elkhart-Goshen, IN | 3 | $ 256,000 | $ 85,333 | $ 36,000 |
| Kokomo, IN | 3 | $ 487,000 | $ 162,333 | $ 62,000 |
| Morgantown, WV | 3 | $ 574,000 | $ 191,333 | $ 9,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 367,000 | $ 122,333 | $ 92,000 |
| Punta Gorda, FL | 3 | $ 365,000 | $ 121,666 | $ 93,000 |
| St. Louis, MO-IL | 3 | $ 75,000 | $ 25,000 | $ 71,000 |
| Anderson, IN | 2 | $ 192,000 | $ 96,000 | $ 47,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Charlottesville, VA | 2 | $ 430,000 | $ 215,000 | $ 178,000 |
| Denver-Aurora, CO | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Elizabethtown, KY | 2 | $ 129,000 | $ 64,500 | $ 44,000 |
| Flint, MI | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Gainesville, FL | 2 | $ 374,000 | $ 187,000 | $ 427,000 |
| Gary, IN | 2 | $ 120,000 | $ 60,000 | $ 78,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 182,000 | $ 91,000 | $ 62,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 90,000 | $ 45,000 | $ 50,000 |
| Kansas City, MO-KS | 2 | $ 35,000 | $ 17,500 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 165,000 | $ 82,500 | $ 107,000 |
| Muncie, IN | 2 | $ 210,000 | $ 105,000 | $ 116,000 |
| Ogden-Clearfield, UT | 2 | $ 1,005,000 | $ 502,500 | $ 280,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 267,000 | $ 133,500 | $ 93,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 183,000 | $ 91,500 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 105,000 | $ 52,500 | $ 67,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 200,000 | $ 200,000 | $ 180,000 |
| Baltimore-Towson, MD | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Birmingham-Hoover, AL | 1 | $ 280,000 | $ 280,000 | $ 121,000 |
| Bloomington, IN | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Boston-Quincy, MA | 1 | $ 450,000 | $ 450,000 | $ 67,000 |
| Boulder, CO | 1 | $ 150,000 | $ 150,000 | $ 289,000 |
| Charleston, WV | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Charleston-North Charleston, SC | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| Columbia, SC | 1 | $ 112,000 | $ 112,000 | $ 34,000 |
| Fort Collins-Loveland, CO | 1 | $ 140,000 | $ 140,000 | $ 211,000 |
| Greeley, CO | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 744,000 | $ 744,000 | $ 351,000 |
| Holland-Grand Haven, MI | 1 | $ 40,000 | $ 40,000 | $ 86,000 |
| Jefferson City, MO | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Johnstown, PA | 1 | $ 66,000 | $ 66,000 | $ 62,000 |
| Lafayette, IN | 1 | $ 43,000 | $ 43,000 | $ 334,000 |
| Lebanon, PA | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Logan, UT-ID | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Longview, WA | 1 | $ 26,000 | $ 26,000 | $ 44,000 |
| Madison, WI | 1 | $ 191,000 | $ 191,000 | $ 120,000 |
| Missoula, MT | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Ocala, FL | 1 | $ 191,000 | $ 191,000 | $ 80,000 |
| Orlando-Kissimmee, FL | 1 | $ 412,000 | $ 412,000 | $ 263,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 117,000 | $ 117,000 | $ 170,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Roanoke, VA | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 21,000 | $ 21,000 | $ 113,000 |
| Sebastian-Vero Beach, FL | 1 | $ 556,000 | $ 556,000 | $ 188,000 |
| State College, PA | 1 | $ 188,000 | $ 188,000 | $ 199,000 |
| Terre Haute, IN | 1 | $ 31,000 | $ 31,000 | $ 43,000 |
| Wichita, KS | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| York-Hanover, PA | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Sky Bank C/O Huntington Bank in 2006
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 | 13,282 | $1,323,101,000 | $99,000 | $7,203,000 | $68,000 | $4,200,000 |
| Home Purchase | 10,586 | $1,136,094,000 | $107,000 | $3,300,000 | $59,000 | $2,783,000 |
| Home Improvement | 7,001 | $212,884,000 | $30,000 | $2,461,000 | $63,000 | $2,303,000 |
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 | 24,254 | $1,938,295,000 | $79,000 | $7,203,000 | $66,000 | $4,200,000 |
| Not Provided | 4,647 | $549,502,000 | $118,000 | $2,250,000 | $64,000 | $1,236,000 |
| Black or African American | 1,043 | $77,474,000 | $74,000 | $1,470,000 | $47,000 | $525,000 |
| Hispanic | 440 | $27,624,000 | $62,000 | $344,000 | $52,000 | $424,000 |
| Not applicable | 367 | $62,806,000 | $171,000 | $3,300,000 | $0 | $20,000 |
| Asian | 85 | $11,944,000 | $140,000 | $486,000 | $73,000 | $420,000 |
| American Indian or Alaskan Native | 22 | $2,369,000 | $107,000 | $400,000 | $67,000 | $314,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,065,000 | $187,000 | $417,000 | $171,000 | $473,000 |
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) | 30,869 | $2,672,079,000 | $86,000 | $7,203,000 | $64,000 | $4,200,000 |
| 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 | 17,407 | $1,481,776,000 | $85,000 | $3,300,000 | $71,000 | $4,200,000 |
| Application Denied By Financial Institution | 6,001 | $467,778,000 | $77,000 | $7,203,000 | $52,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 3,306 | $298,189,000 | $90,000 | $1,500,000 | $39,000 | $480,000 |
| Application Withdrawn By Applicant | 2,234 | $248,403,000 | $111,000 | $1,470,000 | $77,000 | $1,422,000 |
| Application Approved But Not Accepted | 1,916 | $175,531,000 | $91,000 | $1,500,000 | $67,000 | $1,026,000 |
| File Closed For Incompleteness | 5 | $402,000 | $80,000 | $170,000 | $72,000 | $301,000 |
| 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 2006 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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