Union Federal C/O Sky Bank Mortgage Lending & HMDA Data, 2003

In 2003, Union Federal C/O Sky Bank of Bowling Green, OH reported 77,908 mortgage applications totaling $11.8 billion. The average application was for $151,061, and applicants reported an average income of $49,101. 69% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Indianapolis, IN (3,212), Phoenix-Mesa, AZ (2,880) and Columbus, OH (2,465) (applications in parentheses).

Mortgage Company & Address Union Federal C/O Sky Bank
137 Clough St
Bowling Green, OH 43402
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 77,908
Total Mortgage Loan Application Amount $11,768,934,000
Average Mortgage Loan Application Amount $151,061
Highest Mortgage Loan Application Amount $2,960,000
Average Applicant Income $49,101
Highest Applicant Income $6,667,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Union Federal C/O Sky Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,761 $ 415,391,000 $ 150,449 $ 40,000
Los Angeles, California 1,953 $ 433,237,000 $ 221,831 $ 56,000
Franklin, Ohio 1,688 $ 233,692,000 $ 138,443 $ 48,000
Marion, Indiana 1,604 $ 170,040,000 $ 106,009 $ 42,000
King, Washington 1,478 $ 349,077,000 $ 236,182 $ 63,000
Allen, Indiana 1,474 $ 151,239,000 $ 102,604 $ 33,000
Clark, Nevada 1,404 $ 217,311,000 $ 154,779 $ 57,000
Orange, California 1,374 $ 365,669,000 $ 266,134 $ 79,000
Contra Costa, California 1,307 $ 334,791,000 $ 256,152 $ 68,000
Tarrant, Texas 1,104 $ 130,021,000 $ 117,772 $ 38,000
Kalamazoo, Michigan 1,062 $ 122,206,000 $ 115,071 $ 42,000
Alameda, California 1,033 $ 264,201,000 $ 255,760 $ 80,000
Riverside, California 997 $ 175,133,000 $ 175,659 $ 49,000
Bexar, Texas 948 $ 94,719,000 $ 99,914 $ 42,000
Harris, Texas 871 $ 122,554,000 $ 140,704 $ 45,000
Montgomery, Maryland 847 $ 166,120,000 $ 196,127 $ 54,000
San Diego, California 834 $ 208,696,000 $ 250,235 $ 108,000
Cook, Illinois 813 $ 135,564,000 $ 166,745 $ 52,000
San Bernardino, California 783 $ 119,199,000 $ 152,233 $ 52,000
Fairfax, Virginia 739 $ 145,907,000 $ 197,438 $ 54,000
Prince George's, Maryland 695 $ 106,220,000 $ 152,834 $ 40,000
Nassau, New York 686 $ 168,517,000 $ 245,651 $ 79,000
St. Joseph, Indiana 677 $ 61,894,000 $ 91,423 $ 33,000
Weld, Colorado 651 $ 97,001,000 $ 149,003 $ 44,000
Kent, Michigan 647 $ 64,340,000 $ 99,443 $ 26,000
Oklahoma, Oklahoma 582 $ 75,778,000 $ 130,202 $ 54,000
Wake, North Carolina 566 $ 89,638,000 $ 158,371 $ 46,000
Suffolk, New York 559 $ 122,082,000 $ 218,393 $ 62,000
Fresno, California 556 $ 83,347,000 $ 149,904 $ 50,000
El Paso, Colorado 550 $ 83,565,000 $ 151,936 $ 50,000
Bay, Michigan 531 $ 50,971,000 $ 95,990 $ 33,000
Prince William, Virginia 526 $ 99,434,000 $ 189,038 $ 56,000
Hamilton, Indiana 512 $ 78,926,000 $ 154,152 $ 53,000
Denver, Colorado 497 $ 84,565,000 $ 170,150 $ 40,000
Pima, Arizona 481 $ 60,741,000 $ 126,280 $ 43,000
Jackson, Missouri 481 $ 47,704,000 $ 99,176 $ 48,000
Kern, California 454 $ 57,344,000 $ 126,308 $ 56,000
Jefferson, Colorado 449 $ 77,734,000 $ 173,126 $ 53,000
Anne Arundel, Maryland 435 $ 71,423,000 $ 164,190 $ 47,000
Sutter, California 434 $ 67,159,000 $ 154,744 $ 49,000
Wayne, Michigan 422 $ 46,601,000 $ 110,428 $ 36,000
Ingham, Michigan 408 $ 42,386,000 $ 103,887 $ 36,000
Calhoun, Michigan 402 $ 41,218,000 $ 102,532 $ 42,000
Midland, Michigan 399 $ 42,181,000 $ 105,716 $ 36,000
Hendricks, Indiana 394 $ 48,909,000 $ 124,134 $ 44,000
Monmouth, New Jersey 389 $ 79,763,000 $ 205,046 $ 70,000
Arapahoe, Colorado 380 $ 63,426,000 $ 166,910 $ 40,000
Middlesex, New Jersey 380 $ 71,451,000 $ 188,028 $ 50,000
Delaware, Ohio 361 $ 66,316,000 $ 183,700 $ 48,000
Johnson, Kansas 359 $ 52,587,000 $ 146,481 $ 52,000
Deschutes, Oregon 356 $ 55,199,000 $ 155,053 $ 77,000
Loudoun, Virginia 347 $ 68,825,000 $ 198,342 $ 48,000
Cameron, Texas 339 $ 34,260,000 $ 101,061 $ 52,000
Elkhart, Indiana 333 $ 34,271,000 $ 102,915 $ 37,000
Snohomish, Washington 328 $ 65,989,000 $ 201,185 $ 44,000
Queens, New York 327 $ 75,463,000 $ 230,773 $ 55,000
Multnomah, Oregon 325 $ 48,874,000 $ 150,381 $ 41,000
Mecklenburg, North Carolina 319 $ 40,851,000 $ 128,059 $ 46,000
Saginaw, Michigan 307 $ 28,320,000 $ 92,247 $ 32,000
Nye, Nevada 306 $ 37,425,000 $ 122,303 $ 43,000
Washington, Oregon 304 $ 47,167,000 $ 155,154 $ 40,000
Sacramento, California 297 $ 56,277,000 $ 189,484 $ 71,000
Adams, Colorado 267 $ 47,230,000 $ 176,891 $ 55,000
Pierce, Washington 263 $ 44,986,000 $ 171,049 $ 36,000
Cumberland, Maine 262 $ 50,100,000 $ 191,221 $ 41,000
Tippecanoe, Indiana 254 $ 31,003,000 $ 122,059 $ 41,000
Yuba, California 253 $ 32,816,000 $ 129,707 $ 51,000
Douglas, Colorado 252 $ 52,005,000 $ 206,369 $ 56,000
Summit, Ohio 251 $ 26,540,000 $ 105,737 $ 35,000
Oakland, Michigan 250 $ 34,702,000 $ 138,808 $ 45,000
Baltimore, Maryland 241 $ 34,675,000 $ 143,879 $ 34,000
Butler, Ohio 241 $ 31,399,000 $ 130,286 $ 47,000
San Joaquin, California 236 $ 48,189,000 $ 204,190 $ 67,000
Cuyahoga, Ohio 236 $ 23,502,000 $ 99,584 $ 43,000
Dallas, Texas 234 $ 30,075,000 $ 128,525 $ 103,000
Tulsa, Oklahoma 233 $ 37,355,000 $ 160,321 $ 68,000
Isabella, Michigan 223 $ 23,242,000 $ 104,224 $ 38,000
Santa Clara, California 216 $ 59,182,000 $ 273,990 $ 78,000
Hamilton, Ohio 213 $ 30,774,000 $ 144,478 $ 44,000
Allegan, Michigan 211 $ 23,362,000 $ 110,720 $ 38,000
Wayne, Ohio 211 $ 22,833,000 $ 108,213 $ 30,000
Macomb, Michigan 208 $ 26,182,000 $ 125,875 $ 41,000
Boone, Indiana 202 $ 24,022,000 $ 118,920 $ 56,000
Johnson, Indiana 202 $ 23,979,000 $ 118,707 $ 41,000
Ocean, New Jersey 196 $ 35,574,000 $ 181,500 $ 60,000
Licking, Ohio 193 $ 29,363,000 $ 152,139 $ 47,000
Shenandoah, Virginia 192 $ 22,032,000 $ 114,750 $ 37,000
Fort Bend, Texas 182 $ 25,659,000 $ 140,983 $ 54,000
Broward, Florida 179 $ 23,718,000 $ 132,502 $ 40,000
Solano, California 178 $ 40,282,000 $ 226,303 $ 80,000
Eaton, Michigan 174 $ 21,548,000 $ 123,839 $ 40,000
DuPage, Illinois 170 $ 29,231,000 $ 171,947 $ 42,000
San Mateo, California 168 $ 49,523,000 $ 294,779 $ 76,000
Palm Beach, Florida 166 $ 22,610,000 $ 136,204 $ 53,000
Van Buren, Michigan 162 $ 19,117,000 $ 118,006 $ 34,000
LaPorte, Indiana 160 $ 15,292,000 $ 95,575 $ 28,000
Frederick, Maryland 159 $ 27,325,000 $ 171,855 $ 52,000
Larimer, Colorado 152 $ 22,909,000 $ 150,717 $ 49,000
Randolph, North Carolina 152 $ 16,122,000 $ 106,065 $ 41,000
Fairfield, Ohio 152 $ 24,182,000 $ 159,092 $ 49,000
Klamath, Oregon 151 $ 15,843,000 $ 104,920 $ 42,000
Huntington, Indiana 150 $ 14,351,000 $ 95,673 $ 42,000
Ventura, California 148 $ 38,350,000 $ 259,121 $ 184,000
Howard, Maryland 148 $ 27,040,000 $ 182,702 $ 48,000
Cleveland, Oklahoma 145 $ 15,587,000 $ 107,496 $ 47,000
Clackamas, Oregon 144 $ 23,918,000 $ 166,097 $ 46,000
Jackson, Michigan 143 $ 14,665,000 $ 102,552 $ 35,000
Boulder, Colorado 141 $ 25,107,000 $ 178,063 $ 39,000
Montgomery, Texas 140 $ 20,442,000 $ 146,014 $ 50,000
Summit, Utah 135 $ 31,682,000 $ 234,681 $ 182,000
Sedgwick, Kansas 133 $ 12,828,000 $ 96,451 $ 59,000
Orange, Florida 131 $ 16,105,000 $ 122,938 $ 35,000
Wyandotte, Kansas 130 $ 10,208,000 $ 78,523 $ 59,000
Baltimore City, Maryland 130 $ 13,786,000 $ 106,046 $ 67,000
Orange, New York 130 $ 21,042,000 $ 161,861 $ 51,000
Polk, Florida 129 $ 16,522,000 $ 128,077 $ 28,000
Will, Illinois 129 $ 21,655,000 $ 167,868 $ 42,000
Hillsborough, Florida 127 $ 14,349,000 $ 112,984 $ 24,000
Charleston, South Carolina 127 $ 19,213,000 $ 151,283 $ 44,000
Tulare, California 126 $ 17,094,000 $ 135,666 $ 52,000
Duval, Florida 124 $ 12,074,000 $ 97,370 $ 35,000
Clark, Washington 122 $ 18,144,000 $ 148,721 $ 48,000
Pinal, Arizona 119 $ 17,107,000 $ 143,756 $ 45,000
Richland, South Carolina 119 $ 12,741,000 $ 107,067 $ 31,000
Cass, Michigan 118 $ 13,591,000 $ 115,177 $ 50,000
Berrien, Michigan 117 $ 11,995,000 $ 102,521 $ 36,000
Clay, Missouri 116 $ 14,034,000 $ 120,982 $ 61,000
Salt Lake, Utah 115 $ 16,993,000 $ 147,765 $ 59,000
Placer, California 113 $ 25,951,000 $ 229,654 $ 72,000
Madera, California 112 $ 17,287,000 $ 154,348 $ 60,000
Noble, Indiana 112 $ 10,742,000 $ 95,910 $ 29,000
Harford, Maryland 112 $ 18,333,000 $ 163,687 $ 38,000
Huron, Ohio 112 $ 12,206,000 $ 108,982 $ 38,000
Miami-Dade, Florida 110 $ 14,579,000 $ 132,536 $ 138,000
DeKalb, Georgia 110 $ 13,952,000 $ 126,836 $ 27,000
Galveston, Texas 110 $ 12,825,000 $ 116,590 $ 41,000
Stark, Ohio 109 $ 11,657,000 $ 106,944 $ 36,000
Kosciusko, Indiana 108 $ 12,564,000 $ 116,333 $ 41,000
Anchorage, Alaska 107 $ 16,977,000 $ 158,663 $ 6,000
Pinellas, Florida 107 $ 14,208,000 $ 132,785 $ 47,000
Monroe, Florida 106 $ 22,431,000 $ 211,613 $ 52,000
Marion, Florida 105 $ 10,410,000 $ 99,142 $ 34,000
Denton, Texas 105 $ 14,509,000 $ 138,180 $ 48,000
San Francisco, California 103 $ 32,696,000 $ 317,436 $ 113,000
Escambia, Florida 102 $ 10,503,000 $ 102,970 $ 33,000
Brevard, Florida 101 $ 10,344,000 $ 102,415 $ 31,000
Lake, Illinois 101 $ 21,433,000 $ 212,207 $ 51,000
York, Maine 101 $ 16,789,000 $ 166,227 $ 42,000
Kane, Illinois 100 $ 14,426,000 $ 144,260 $ 45,000
Hidalgo, Texas 100 $ 11,088,000 $ 110,880 $ 46,000
Virginia Beach, Virginia 100 $ 12,675,000 $ 126,750 $ 31,000
Lake, Ohio 98 $ 11,651,000 $ 118,887 $ 36,000
Philadelphia, Pennsylvania 98 $ 8,795,000 $ 89,744 $ 45,000
Grant, Indiana 97 $ 7,805,000 $ 80,463 $ 29,000
Madison, Indiana 97 $ 9,388,000 $ 96,783 $ 36,000
Lancaster, Nebraska 97 $ 9,970,000 $ 102,783 $ 54,000
Union, New Jersey 96 $ 20,227,000 $ 210,697 $ 59,000
Hancock, Indiana 94 $ 12,595,000 $ 133,989 $ 49,000
Whitley, Indiana 94 $ 9,663,000 $ 102,797 $ 28,000
Calvert, Maryland 93 $ 15,970,000 $ 171,720 $ 45,000
Johnson, Texas 93 $ 9,542,000 $ 102,602 $ 33,000
Warren, Ohio 92 $ 13,623,000 $ 148,076 $ 57,000
Brazoria, Texas 92 $ 10,988,000 $ 119,434 $ 57,000
Lee, Florida 91 $ 13,024,000 $ 143,120 $ 41,000
Montgomery, Ohio 91 $ 10,505,000 $ 115,439 $ 37,000
St. Louis, Missouri 90 $ 15,575,000 $ 173,055 $ 49,000
Lexington, South Carolina 88 $ 9,612,000 $ 109,227 $ 35,000
Morgan, Indiana 87 $ 10,878,000 $ 125,034 $ 38,000
Douglas, Nebraska 87 $ 11,879,000 $ 136,540 $ 68,000
Stanislaus, California 86 $ 16,073,000 $ 186,895 $ 64,000
Greenville, South Carolina 86 $ 8,895,000 $ 103,430 $ 38,000
Lake, Indiana 82 $ 7,216,000 $ 88,000 $ 40,000
Barry, Michigan 82 $ 10,148,000 $ 123,756 $ 47,000
Collin, Texas 82 $ 11,924,000 $ 145,414 $ 58,000
Alexandria, Virginia 82 $ 15,036,000 $ 183,365 $ 66,000
St. Joseph, Michigan 80 $ 7,600,000 $ 95,000 $ 32,000
Ashtabula, Ohio 80 $ 8,607,000 $ 107,587 $ 33,000
York, Pennsylvania 80 $ 10,375,000 $ 129,687 $ 42,000
Berkeley, South Carolina 80 $ 9,531,000 $ 119,137 $ 40,000
Yavapai, Arizona 79 $ 11,373,000 $ 143,962 $ 50,000
Charles, Maryland 79 $ 12,724,000 $ 161,063 $ 47,000
Volusia, Florida 78 $ 8,200,000 $ 105,128 $ 39,000
Fulton, Georgia 78 $ 10,698,000 $ 137,153 $ 61,000
Delaware, Pennsylvania 78 $ 8,836,000 $ 113,282 $ 41,000
York, South Carolina 78 $ 8,779,000 $ 112,551 $ 31,000
Shelby, Tennessee 78 $ 9,050,000 $ 116,025 $ 35,000
Boone, Missouri 77 $ 8,080,000 $ 104,935 $ 38,000
District of Columbia, District Of Columbia 76 $ 14,618,000 $ 192,342 $ 64,000
Clare, Michigan 76 $ 7,054,000 $ 92,815 $ 40,000
Stafford, Virginia 76 $ 13,878,000 $ 182,605 $ 48,000
Sonoma, California 74 $ 17,843,000 $ 241,121 $ 61,000
New Haven, Connecticut 74 $ 11,632,000 $ 157,189 $ 82,000
Essex, New Jersey 74 $ 14,237,000 $ 192,391 $ 73,000
Somerset, New Jersey 74 $ 17,168,000 $ 232,000 $ 95,000
Guilford, North Carolina 74 $ 9,116,000 $ 123,189 $ 32,000
Canadian, Oklahoma 73 $ 8,678,000 $ 118,876 $ 41,000
Guadalupe, Texas 73 $ 8,499,000 $ 116,424 $ 41,000
Osceola, Florida 72 $ 9,445,000 $ 131,180 $ 32,000
DeKalb, Indiana 72 $ 8,453,000 $ 117,402 $ 26,000
Burlington, New Jersey 72 $ 11,709,000 $ 162,625 $ 52,000
Clinton, Michigan 71 $ 9,131,000 $ 128,605 $ 43,000
Marshall, Indiana 70 $ 6,924,000 $ 98,914 $ 34,000
Gratiot, Michigan 70 $ 5,684,000 $ 81,200 $ 29,000
Durham, North Carolina 70 $ 8,901,000 $ 127,157 $ 62,000
Gwinnett, Georgia 69 $ 9,935,000 $ 143,985 $ 27,000
Hennepin, Minnesota 69 $ 10,981,000 $ 159,144 $ 64,000
Westchester, New York 68 $ 16,453,000 $ 241,955 $ 78,000
Cobb, Georgia 66 $ 8,424,000 $ 127,636 $ 31,000
Erie, Ohio 66 $ 7,012,000 $ 106,242 $ 38,000
Spotsylvania, Virginia 66 $ 10,228,000 $ 154,969 $ 39,000
Bucks, Pennsylvania 65 $ 15,761,000 $ 242,476 $ 70,000
Chatham, Georgia 64 $ 8,488,000 $ 132,625 $ 42,000
Fauquier, Virginia 64 $ 11,112,000 $ 173,625 $ 49,000
Saline, Arkansas 63 $ 5,740,000 $ 91,111 $ 40,000
Linn, Iowa 63 $ 6,260,000 $ 99,365 $ 44,000
Cass, Missouri 63 $ 8,449,000 $ 134,111 $ 64,000
Bernalillo, New Mexico 63 $ 7,899,000 $ 125,380 $ 31,000
Union, Ohio 63 $ 8,995,000 $ 142,777 $ 38,000
Allegheny, Pennsylvania 63 $ 7,382,000 $ 117,174 $ 57,000
Horry, South Carolina 63 $ 8,069,000 $ 128,079 $ 81,000
Arlington, Virginia 63 $ 11,229,000 $ 178,238 $ 71,000
Polk, Iowa 62 $ 7,503,000 $ 121,016 $ 40,000
Genesee, Michigan 62 $ 6,643,000 $ 107,145 $ 27,000
Muskegon, Michigan 62 $ 5,765,000 $ 92,983 $ 31,000
Steuben, Indiana 61 $ 7,828,000 $ 128,327 $ 59,000
Ottawa, Michigan 61 $ 7,807,000 $ 127,983 $ 44,000
Henderson, North Carolina 61 $ 8,642,000 $ 141,672 $ 36,000
Johnston, North Carolina 61 $ 6,972,000 $ 114,295 $ 39,000
Pulaski, Arkansas 60 $ 7,832,000 $ 130,533 $ 39,000
Marin, California 60 $ 18,177,000 $ 302,950 $ 150,000
Seminole, Florida 60 $ 7,179,000 $ 119,650 $ 31,000
Medina, Ohio 59 $ 8,486,000 $ 143,830 $ 46,000
Howard, Indiana 58 $ 6,033,000 $ 104,017 $ 38,000
Pasco, Florida 57 $ 5,393,000 $ 94,614 $ 55,000
Santa Rosa, Florida 56 $ 5,516,000 $ 98,500 $ 19,000
Clayton, Georgia 56 $ 5,484,000 $ 97,928 $ 18,000
Delaware, Indiana 56 $ 4,767,000 $ 85,125 $ 39,000
Kings, California 55 $ 6,282,000 $ 114,218 $ 44,000
Union, North Carolina 55 $ 7,650,000 $ 139,090 $ 35,000
Portage, Ohio 55 $ 7,465,000 $ 135,727 $ 41,000
Branch, Michigan 54 $ 5,227,000 $ 96,796 $ 32,000
Buncombe, North Carolina 54 $ 7,076,000 $ 131,037 $ 58,000
Crook, Oregon 54 $ 6,089,000 $ 112,759 $ 51,000
Benton, Washington 54 $ 6,608,000 $ 122,370 $ 90,000
Clermont, Ohio 53 $ 7,128,000 $ 134,490 $ 42,000
Thurston, Washington 53 $ 8,273,000 $ 156,094 $ 42,000
Okaloosa, Florida 52 $ 4,799,000 $ 92,288 $ 13,000
Alamance, North Carolina 52 $ 5,685,000 $ 109,326 $ 58,000
Forsyth, North Carolina 52 $ 6,026,000 $ 115,884 $ 56,000
Chester, Pennsylvania 52 $ 10,422,000 $ 200,423 $ 64,000
LaGrange, Indiana 51 $ 5,661,000 $ 111,000 $ 39,000
Dickinson, Michigan 51 $ 3,300,000 $ 64,705 $ 26,000
Marion, Oregon 51 $ 6,735,000 $ 132,058 $ 33,000
Chesterfield, Virginia 51 $ 6,557,000 $ 128,568 $ 74,000
El Dorado, California 50 $ 12,187,000 $ 243,740 $ 87,000
Porter, Indiana 50 $ 5,499,000 $ 109,980 $ 49,000
Jefferson, Kentucky 50 $ 5,184,000 $ 103,680 $ 35,000
Worcester, Massachusetts 50 $ 8,109,000 $ 162,180 $ 62,000
Hillsborough, New Hampshire 50 $ 9,831,000 $ 196,620 $ 43,000
Rowan, North Carolina 50 $ 4,636,000 $ 92,720 $ 39,000
Montgomery, Pennsylvania 50 $ 9,414,000 $ 188,280 $ 62,000
Dorchester, South Carolina 50 $ 6,912,000 $ 138,240 $ 39,000
Jefferson, Alabama 49 $ 4,033,000 $ 82,306 $ 34,000
Hartford, Connecticut 49 $ 7,015,000 $ 143,163 $ 56,000
Hawaii, Hawaii 49 $ 9,756,000 $ 199,102 $ 42,000
Kings, New York 49 $ 14,042,000 $ 286,571 $ 49,000
Lucas, Ohio 49 $ 5,542,000 $ 113,102 $ 35,000
Montgomery, Alabama 48 $ 4,253,000 $ 88,604 $ 13,000
Lake, Florida 48 $ 5,297,000 $ 110,354 $ 25,000
Monroe, Indiana 48 $ 5,891,000 $ 122,729 $ 42,000
Carroll, Maryland 48 $ 9,271,000 $ 193,145 $ 45,000
Pickaway, Ohio 48 $ 6,827,000 $ 142,229 $ 44,000
Carter, Oklahoma 48 $ 4,455,000 $ 92,812 $ 48,000
Clay, Florida 47 $ 4,595,000 $ 97,765 $ 20,000
McHenry, Illinois 47 $ 7,831,000 $ 166,617 $ 53,000
Montcalm, Michigan 47 $ 4,878,000 $ 103,787 $ 37,000
Kitsap, Washington 47 $ 7,360,000 $ 156,595 $ 45,000
Cumberland, North Carolina 45 $ 4,522,000 $ 100,488 $ 34,000
Lorain, Ohio 45 $ 5,460,000 $ 121,333 $ 42,000
Grady, Oklahoma 45 $ 3,932,000 $ 87,377 $ 49,000
Navajo, Arizona 44 $ 8,211,000 $ 186,613 $ 94,000
Richmond, Georgia 44 $ 3,317,000 $ 75,386 $ 11,000
Middlesex, Massachusetts 44 $ 9,413,000 $ 213,931 $ 69,000
Lane, Oregon 44 $ 5,563,000 $ 126,431 $ 32,000
Cumberland, Pennsylvania 44 $ 5,274,000 $ 119,863 $ 44,000
San Luis Obispo, California 43 $ 10,029,000 $ 233,232 $ 102,000
Greene, Ohio 43 $ 5,647,000 $ 131,325 $ 41,000
Logan, Oklahoma 43 $ 4,957,000 $ 115,279 $ 55,000
Parker, Texas 43 $ 4,991,000 $ 116,069 $ 26,000
Morris, New Jersey 42 $ 10,972,000 $ 261,238 $ 51,000
Spokane, Washington 42 $ 6,234,000 $ 148,428 $ 43,000
Colusa, California 41 $ 5,162,000 $ 125,902 $ 48,000
Gladwin, Michigan 41 $ 4,590,000 $ 111,951 $ 40,000
Washtenaw, Michigan 41 $ 6,801,000 $ 165,878 $ 44,000
Hudson, New Jersey 41 $ 7,395,000 $ 180,365 $ 47,000
Cabarrus, North Carolina 41 $ 5,217,000 $ 127,243 $ 18,000
Rogers, Oklahoma 41 $ 5,084,000 $ 124,000 $ 46,000
Butte, California 40 $ 4,988,000 $ 124,700 $ 52,000
Fairfield, Connecticut 40 $ 9,798,000 $ 244,950 $ 88,000
Sarasota, Florida 40 $ 8,270,000 $ 206,750 $ 75,000
Norfolk, Massachusetts 40 $ 9,359,000 $ 233,975 $ 45,000
Morrow, Ohio 40 $ 4,684,000 $ 117,100 $ 40,000
Monterey, California 39 $ 8,992,000 $ 230,564 $ 66,000
Nevada, California 39 $ 8,645,000 $ 221,666 $ 147,000
Wells, Indiana 39 $ 3,989,000 $ 102,282 $ 42,000
Gallatin, Montana 39 $ 6,270,000 $ 160,769 $ 38,000
Camden, New Jersey 39 $ 4,183,000 $ 107,256 $ 45,000
Marion, Ohio 39 $ 3,960,000 $ 101,538 $ 22,000
Trumbull, Ohio 39 $ 3,488,000 $ 89,435 $ 32,000
Dauphin, Pennsylvania 39 $ 3,900,000 $ 100,000 $ 29,000
Northampton, Pennsylvania 39 $ 4,533,000 $ 116,230 $ 40,000
Caddo, Louisiana 38 $ 3,225,000 $ 84,868 $ 47,000
Bergen, New Jersey 38 $ 8,114,000 $ 213,526 $ 72,000
Norfolk, Virginia 38 $ 3,428,000 $ 90,210 $ 24,000
Sarpy, Nebraska 37 $ 5,782,000 $ 156,270 $ 80,000
Washoe, Nevada 37 $ 5,665,000 $ 153,108 $ 76,000
Coos, New Hampshire 37 $ 2,882,000 $ 77,891 $ 39,000
Mercer, New Jersey 37 $ 5,423,000 $ 146,567 $ 56,000
St. Lucie, Florida 36 $ 4,000,000 $ 111,111 $ 31,000
Wayne, Indiana 36 $ 3,540,000 $ 98,333 $ 45,000
Buchanan, Missouri 36 $ 3,013,000 $ 83,694 $ 40,000
Onslow, North Carolina 36 $ 3,594,000 $ 99,833 $ 33,000
Knox, Tennessee 36 $ 4,417,000 $ 122,694 $ 30,000
Calaveras, California 35 $ 7,174,000 $ 204,971 $ 76,000
Cherokee, Georgia 35 $ 4,244,000 $ 121,257 $ 24,000
Washington, Maryland 35 $ 5,250,000 $ 150,000 $ 35,000
Dakota, Minnesota 35 $ 5,293,000 $ 151,228 $ 55,000
Platte, Missouri 35 $ 4,882,000 $ 139,485 $ 81,000
Ellis, Texas 35 $ 4,166,000 $ 119,028 $ 35,000
Liberty, Georgia 34 $ 2,793,000 $ 82,147 $ 11,000
Wabash, Indiana 34 $ 3,035,000 $ 89,264 $ 33,000
Saline, Kansas 34 $ 2,978,000 $ 87,588 $ 29,000
Geauga, Ohio 34 $ 5,264,000 $ 154,823 $ 53,000
Beaufort, South Carolina 34 $ 4,884,000 $ 143,647 $ 45,000
Chesapeake, Virginia 34 $ 4,745,000 $ 139,558 $ 42,000
Leavenworth, Kansas 33 $ 3,871,000 $ 117,303 $ 44,000
Bossier, Louisiana 33 $ 4,690,000 $ 142,121 $ 49,000
Bristol, Massachusetts 33 $ 5,986,000 $ 181,393 $ 50,000
Lancaster, Pennsylvania 33 $ 3,302,000 $ 100,060 $ 35,000
Spartanburg, South Carolina 33 $ 3,518,000 $ 106,606 $ 46,000
Mesa, Colorado 32 $ 4,296,000 $ 134,250 $ 32,000
St. Charles, Missouri 32 $ 4,452,000 $ 139,125 $ 48,000
Santa Fe, New Mexico 32 $ 5,776,000 $ 180,500 $ 56,000
Payne, Oklahoma 32 $ 3,268,000 $ 102,125 $ 46,000
Mohave, Arizona 31 $ 3,262,000 $ 105,225 $ 60,000
Pueblo, Colorado 31 $ 3,810,000 $ 122,903 $ 30,000
Rockingham, New Hampshire 31 $ 6,080,000 $ 196,129 $ 42,000
Luzerne, Pennsylvania 31 $ 2,542,000 $ 82,000 $ 37,000
Davidson, Tennessee 31 $ 3,554,000 $ 114,645 $ 24,000
Bartholomew, Indiana 30 $ 3,183,000 $ 106,100 $ 30,000
Essex, Massachusetts 30 $ 6,349,000 $ 211,633 $ 65,000
Gloucester, New Jersey 30 $ 3,381,000 $ 112,700 $ 44,000
Passaic, New Jersey 30 $ 6,092,000 $ 203,066 $ 44,000
Perry, Pennsylvania 30 $ 3,076,000 $ 102,533 $ 39,000
Pickens, South Carolina 30 $ 3,322,000 $ 110,733 $ 44,000
Travis, Texas 30 $ 4,066,000 $ 135,533 $ 51,000
Henrico, Virginia 30 $ 3,692,000 $ 123,066 $ 30,000
Ionia, Michigan 29 $ 3,123,000 $ 107,689 $ 47,000
St. Clair, Michigan 29 $ 3,469,000 $ 119,620 $ 17,000
Richmond, New York 29 $ 6,320,000 $ 217,931 $ 69,000
Grayson, Texas 29 $ 2,802,000 $ 96,620 $ 53,000
Merced, California 28 $ 4,690,000 $ 167,500 $ 75,000
Napa, California 28 $ 7,306,000 $ 260,928 $ 104,000
DeSoto, Mississippi 28 $ 3,802,000 $ 135,785 $ 49,000
Ashland, Ohio 28 $ 2,799,000 $ 99,964 $ 29,000
Mahoning, Ohio 28 $ 2,010,000 $ 71,785 $ 67,000
Rockwall, Texas 28 $ 3,271,000 $ 116,821 $ 50,000
Alachua, Florida 27 $ 2,835,000 $ 105,000 $ 34,000
Honolulu, Hawaii 27 $ 7,001,000 $ 259,296 $ 102,000
Bronx, New York 27 $ 5,762,000 $ 213,407 $ 48,000
Rockland, New York 27 $ 6,169,000 $ 228,481 $ 63,000
Aiken, South Carolina 27 $ 3,082,000 $ 114,148 $ 45,000
Dillon, South Carolina 27 $ 2,433,000 $ 90,111 $ 34,000
Skamania, Washington 27 $ 3,303,000 $ 122,333 $ 40,000
Santa Cruz, California 26 $ 6,519,000 $ 250,730 $ 89,000
Flagler, Florida 26 $ 3,221,000 $ 123,884 $ 45,000
Manatee, Florida 26 $ 3,204,000 $ 123,230 $ 42,000
Des Moines, Iowa 26 $ 1,488,000 $ 57,230 $ 33,000
Mecosta, Michigan 26 $ 2,145,000 $ 82,500 $ 27,000
Callaway, Missouri 26 $ 2,474,000 $ 95,153 $ 28,000
Tuscarawas, Ohio 26 $ 2,045,000 $ 78,653 $ 32,000
Jackson, Oregon 26 $ 3,634,000 $ 139,769 $ 24,000
Manassas, Virginia 26 $ 4,494,000 $ 172,846 $ 40,000
Yolo, California 25 $ 4,839,000 $ 193,560 $ 58,000
Collier, Florida 25 $ 5,209,000 $ 208,360 $ 94,000
Paulding, Georgia 25 $ 3,163,000 $ 126,520 $ 15,000
Shawnee, Kansas 25 $ 1,864,000 $ 74,560 $ 31,000
Androscoggin, Maine 25 $ 2,642,000 $ 105,680 $ 49,000
St. Mary's, Maryland 25 $ 3,577,000 $ 143,080 $ 51,000
Taney, Missouri 25 $ 2,720,000 $ 108,800 $ 57,000
Broome, New York 25 $ 1,618,000 $ 64,720 $ 48,000
Erie, New York 25 $ 2,011,000 $ 80,440 $ 34,000
Iredell, North Carolina 25 $ 3,644,000 $ 145,760 $ 44,000
El Paso, Texas 25 $ 2,222,000 $ 88,880 $ 10,000
Culpeper, Virginia 25 $ 4,200,000 $ 168,000 $ 61,000
Santa Barbara, California 24 $ 5,027,000 $ 209,458 $ 58,000
Bay, Florida 24 $ 2,330,000 $ 97,083 $ 40,000
Henry, Georgia 24 $ 2,976,000 $ 124,000 $ 23,000
Kenton, Kentucky 24 $ 2,136,000 $ 89,000 $ 28,000
Livingston, Michigan 24 $ 4,551,000 $ 189,625 $ 49,000
Shiawassee, Michigan 24 $ 2,508,000 $ 104,500 $ 31,000
New Hanover, North Carolina 24 $ 3,085,000 $ 128,541 $ 66,000
Wayne, North Carolina 24 $ 2,782,000 $ 115,916 $ 46,000
Knox, Ohio 24 $ 2,898,000 $ 120,750 $ 46,000
Lehigh, Pennsylvania 24 $ 2,447,000 $ 101,958 $ 40,000
Rutherford, Tennessee 24 $ 2,371,000 $ 98,791 $ 10,000
Shasta, California 23 $ 3,311,000 $ 143,956 $ 63,000
Houston, Georgia 23 $ 2,466,000 $ 107,217 $ 9,000
Plymouth, Massachusetts 23 $ 5,645,000 $ 245,434 $ 82,000
Anoka, Minnesota 23 $ 2,776,000 $ 120,695 $ 31,000
Gaston, North Carolina 23 $ 2,953,000 $ 128,391 $ 39,000
Harnett, North Carolina 23 $ 2,796,000 $ 121,565 $ 21,000
Madison, Ohio 23 $ 3,322,000 $ 144,434 $ 33,000
Preble, Ohio 23 $ 2,567,000 $ 111,608 $ 36,000
Warren, Virginia 23 $ 3,257,000 $ 141,608 $ 58,000
Skagit, Washington 23 $ 3,785,000 $ 164,565 $ 44,000
Milwaukee, Wisconsin 23 $ 2,305,000 $ 100,217 $ 42,000
Queen Anne's, Maryland 22 $ 4,212,000 $ 191,454 $ 68,000
Muskingum, Ohio 22 $ 1,928,000 $ 87,636 $ 29,000
McClain, Oklahoma 22 $ 2,057,000 $ 93,500 $ 48,000
Hampton, Virginia 22 $ 2,455,000 $ 111,590 $ 44,000
Newport News, Virginia 22 $ 2,110,000 $ 95,909 $ 13,000
Teller, Colorado 21 $ 3,981,000 $ 189,571 $ 34,000
Madison, Illinois 21 $ 1,540,000 $ 73,333 $ 37,000
Henry, Indiana 21 $ 2,095,000 $ 99,761 $ 36,000
Putnam, Indiana 21 $ 2,287,000 $ 108,904 $ 53,000
Black Hawk, Iowa 21 $ 2,025,000 $ 96,428 $ 49,000
Ramsey, Minnesota 21 $ 2,803,000 $ 133,476 $ 42,000
Ulster, New York 21 $ 2,849,000 $ 135,666 $ 46,000
Orange, North Carolina 21 $ 3,621,000 $ 172,428 $ 47,000
Berks, Pennsylvania 21 $ 2,543,000 $ 121,095 $ 37,000
Providence, Rhode Island 21 $ 2,809,000 $ 133,761 $ 23,000
Lincoln, Tennessee 21 $ 2,583,000 $ 123,000 $ 75,000
Clinton, Indiana 20 $ 1,701,000 $ 85,050 $ 35,000
Shelby, Indiana 20 $ 1,817,000 $ 90,850 $ 62,000
Vanderburgh, Indiana 20 $ 1,421,000 $ 71,050 $ 72,000
Orleans, Louisiana 20 $ 2,725,000 $ 136,250 $ 104,000
Tuscola, Michigan 20 $ 1,782,000 $ 89,100 $ 23,000
Sullivan, New York 20 $ 2,480,000 $ 124,000 $ 51,000
Yamhill, Oregon 20 $ 2,731,000 $ 136,550 $ 22,000
Comal, Texas 20 $ 2,512,000 $ 125,600 $ 72,000
Utah, Utah 20 $ 3,077,000 $ 153,850 $ 52,000
Washington, Utah 20 $ 3,072,000 $ 153,600 $ 89,000
Sussex, Delaware 19 $ 2,967,000 $ 156,157 $ 80,000
Charlotte, Florida 19 $ 1,869,000 $ 98,368 $ 25,000
Muscogee, Georgia 19 $ 1,616,000 $ 85,052 $ 8,000
Wicomico, Maryland 19 $ 2,596,000 $ 136,631 $ 43,000
Worcester, Maryland 19 $ 3,167,000 $ 166,684 $ 65,000
Monroe, Michigan 19 $ 3,027,000 $ 159,315 $ 58,000
Greene, Missouri 19 $ 1,886,000 $ 99,263 $ 38,000
Strafford, New Hampshire 19 $ 3,072,000 $ 161,684 $ 39,000
Warren, New Jersey 19 $ 3,243,000 $ 170,684 $ 57,000
Franklin, Pennsylvania 19 $ 2,139,000 $ 112,578 $ 45,000
Monroe, Pennsylvania 19 $ 2,710,000 $ 142,631 $ 61,000
Westmoreland, Pennsylvania 19 $ 1,999,000 $ 105,210 $ 76,000
Williamson, Texas 19 $ 2,119,000 $ 111,526 $ 27,000
Island, Washington 19 $ 4,309,000 $ 226,789 $ 107,000
Cochise, Arizona 18 $ 1,692,000 $ 94,000 $ 26,000
Park, Colorado 18 $ 2,461,000 $ 136,722 $ 44,000
New Castle, Delaware 18 $ 3,175,000 $ 176,388 $ 75,000
Hernando, Florida 18 $ 1,631,000 $ 90,611 $ 14,000
Kankakee, Illinois 18 $ 1,963,000 $ 109,055 $ 42,000
Fulton, Indiana 18 $ 1,536,000 $ 85,333 $ 36,000
Lee, Iowa 18 $ 1,076,000 $ 59,777 $ 51,000
Miami, Kansas 18 $ 2,438,000 $ 135,444 $ 48,000
Campbell, Kentucky 18 $ 2,437,000 $ 135,388 $ 48,000
Fayette, Kentucky 18 $ 1,605,000 $ 89,166 $ 29,000
Lenawee, Michigan 18 $ 2,212,000 $ 122,888 $ 54,000
Oceana, Michigan 18 $ 1,482,000 $ 82,333 $ 30,000
Nash, North Carolina 18 $ 1,921,000 $ 106,722 $ 54,000
Laurens, South Carolina 18 $ 1,445,000 $ 80,277 $ 29,000
Giles, Tennessee 18 $ 1,847,000 $ 102,611 $ 41,000
Hood, Texas 18 $ 1,912,000 $ 106,222 $ 56,000
Yakima, Washington 18 $ 2,109,000 $ 117,166 $ 10,000
Leon, Florida 17 $ 1,777,000 $ 104,529 $ 84,000
St. Johns, Florida 17 $ 2,362,000 $ 138,941 $ 57,000
Kendall, Illinois 17 $ 2,766,000 $ 162,705 $ 33,000
Reno, Kansas 17 $ 1,117,000 $ 65,705 $ 40,000
Jefferson, Louisiana 17 $ 1,550,000 $ 91,176 $ 62,000
Gogebic, Michigan 17 $ 962,000 $ 56,588 $ 36,000
Merrimack, New Hampshire 17 $ 3,112,000 $ 183,058 $ 39,000
Hunterdon, New Jersey 17 $ 4,157,000 $ 244,529 $ 103,000
Sandoval, New Mexico 17 $ 1,987,000 $ 116,882 $ 16,000
Miami, Ohio 17 $ 2,529,000 $ 148,764 $ 55,000
Wagoner, Oklahoma 17 $ 2,408,000 $ 141,647 $ 36,000
Bell, Texas 17 $ 1,313,000 $ 77,235 $ 5,000
Faulkner, Arkansas 16 $ 1,498,000 $ 93,625 $ 27,000
La Plata, Colorado 16 $ 2,530,000 $ 158,125 $ 49,000
St. Clair, Illinois 16 $ 1,451,000 $ 90,687 $ 36,000
Montgomery, Indiana 16 $ 1,788,000 $ 111,750 $ 77,000
Starke, Indiana 16 $ 1,245,000 $ 77,812 $ 41,000
Barnstable, Massachusetts 16 $ 4,127,000 $ 257,937 $ 58,000
Arenac, Michigan 16 $ 1,468,000 $ 91,750 $ 53,000
Camden, Missouri 16 $ 2,147,000 $ 134,187 $ 138,000
Atlantic, New Jersey 16 $ 2,055,000 $ 128,437 $ 58,000
Cattaraugus, New York 16 $ 1,557,000 $ 97,312 $ 36,000
Brunswick, North Carolina 16 $ 2,350,000 $ 146,875 $ 68,000
Jefferson, Oregon 16 $ 1,777,000 $ 111,062 $ 63,000
Georgetown, South Carolina 16 $ 3,752,000 $ 234,500 $ 90,000
Nueces, Texas 16 $ 1,309,000 $ 81,812 $ 25,000
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Mortgage Loan Application Detail Totals for Union Federal C/O Sky 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) 49,938 $7,890,919,000 $140,901 $2,000,000 $42,803 $6,667,000
Home Purchase (one-to-four family) 27,586 $3,862,120,000 $147,204 $2,000,000 $60,265 $6,000,000
Home Improvement (one-to-four family) 381 $10,085,000 $29,551 $340,000 $61,586 $449,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 3 $5,810,000 $1,936,000 $2,960,000 $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 56,144 $8,486,452,000 $146,705 $2,000,000 $52,588 $6,003,000
Hispanic 7,448 $1,077,151,000 $124,954 $650,000 $32,863 $692,000
Black 5,330 $696,287,000 $128,837 $983,000 $37,209 $720,000
Other 3,961 $757,581,000 $145,591 $1,650,000 $60,959 $2,783,000
Information not provided by applicant in mail or telephone application 2,505 $321,676,000 $121,916 $2,960,000 $25,375 $1,199,000
Asian or Pacific Islander 1,811 $345,885,000 $146,658 $1,492,000 $48,365 $900,000
Not applicable 414 $43,488,000 $96,230 $430,000 $59,307 $375,000
American Indian or Alaskan Native 295 $40,414,000 $129,606 $478,000 $44,606 $6,667,000

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) 51,282 $8,527,256,000 $149,274 $2,960,000 $64,647 $6,667,000
FHA-insured (Federal Housing Administration) 20,612 $2,490,437,000 $116,367 $467,000 $22,755 $6,000,000
VA-guaranteed (Veterans Administration) 6,014 $751,241,000 $118,122 $319,000 $12,612 $780,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 53,372 $8,202,999,000 $143,039 $2,960,000 $48,274 $5,549,000
Loan Purchased By The Institution 8,493 $1,143,422,000 $127,000 $2,000,000 $44,977 $6,003,000
Application Approved But Not Accepted 5,993 $984,921,000 $143,660 $1,950,000 $49,280 $5,609,000
Application Withdrawn By Applicant 5,597 $819,139,000 $144,714 $1,675,000 $55,673 $6,667,000
Application Denied By Financial Institution 3,275 $444,727,000 $143,877 $2,000,000 $48,061 $6,000,000
File Closed For Incompleteness 1,178 $173,726,000 $137,933 $1,000,000 $49,888 $1,139,000

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
Credit History 1,335 $163,063,000 $126,239 $1,000,000 $36,391 $478,000
Other 794 $126,438,000 $161,456 $2,000,000 $52,434 $6,000,000
Debt-To-Income Ratio 673 $93,812,000 $145,692 $612,000 $62,435 $1,436,000
Collateral 315 $40,252,000 $133,219 $800,000 $66,024 $2,783,000
Unverifiable Information 101 $14,515,000 $160,400 $636,000 $53,933 $469,000
Employment History 54 $6,272,000 $112,000 $265,000 $66,047 $1,200,000
Credit Application Incomplete 2 $264,000 $132,000 $153,000 $54,000 $102,000
Mortgage Insurance Denied 1 $111,000 $111,000 $111,000 $28,000 $28,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Federal C/O Sky 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 Union Federal C/O Sky 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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