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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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