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records Sky Bank C/O Huntington Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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