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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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