Union Federal C/O Sky Bank Mortgage Lending & HMDA Data, 2004

In 2004, Union Federal C/O Sky Bank of Bowling Green, OH reported 65,261 mortgage applications totaling $9.9 billion, down 16% from 2003. The average application was for $151,520, and applicants reported an average income of $51,856. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Indianapolis, IN (3,717), Phoenix-Mesa-Scottsdale, AZ (2,419) and Houston-Baytown-Sugar Land, TX (1,528) (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 65,261
Total Mortgage Loan Application Amount $9,888,398,000
Average Mortgage Loan Application Amount $151,520
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $51,856
Highest Applicant Income $9,025,000

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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,215 $ 357,239,000 $ 161,281 $ 46,000
Marion, Indiana 2,024 $ 171,697,000 $ 84,830 $ 43,000
Clark, Nevada 1,191 $ 218,254,000 $ 183,252 $ 47,000
Los Angeles, California 1,084 $ 282,400,000 $ 260,516 $ 60,000
Bexar, Texas 1,082 $ 111,423,000 $ 102,978 $ 39,000
Franklin, Ohio 921 $ 126,359,000 $ 137,197 $ 42,000
Allen, Indiana 874 $ 88,568,000 $ 101,336 $ 57,000
King, Washington 837 $ 211,718,000 $ 252,948 $ 71,000
Tarrant, Texas 831 $ 88,251,000 $ 106,198 $ 34,000
Cook, Illinois 828 $ 135,995,000 $ 164,245 $ 57,000
Harris, Texas 800 $ 101,014,000 $ 126,267 $ 51,000
Montgomery, Maryland 763 $ 169,165,000 $ 221,710 $ 52,000
Kalamazoo, Michigan 710 $ 80,793,000 $ 113,792 $ 42,000
Contra Costa, California 686 $ 198,611,000 $ 289,520 $ 99,000
Riverside, California 628 $ 140,877,000 $ 224,326 $ 54,000
Orange, California 615 $ 218,896,000 $ 355,928 $ 87,000
Prince George's, Maryland 602 $ 103,108,000 $ 171,275 $ 47,000
Hamilton, Indiana 563 $ 70,250,000 $ 124,777 $ 70,000
Alameda, California 545 $ 155,898,000 $ 286,051 $ 84,000
San Bernardino, California 525 $ 94,475,000 $ 179,952 $ 55,000
Wayne, Michigan 521 $ 56,736,000 $ 108,898 $ 38,000
Fairfax, Virginia 516 $ 116,270,000 $ 225,329 $ 58,000
Fresno, California 493 $ 82,943,000 $ 168,241 $ 65,000
St. Joseph, Indiana 483 $ 52,661,000 $ 109,028 $ 39,000
Kent, Michigan 482 $ 48,432,000 $ 100,481 $ 40,000
Weld, Colorado 478 $ 70,380,000 $ 147,238 $ 48,000
Suffolk, New York 472 $ 119,549,000 $ 253,281 $ 52,000
Wake, North Carolina 451 $ 67,858,000 $ 150,461 $ 46,000
Nassau, New York 441 $ 117,051,000 $ 265,421 $ 72,000
Kern, California 428 $ 64,314,000 $ 150,266 $ 45,000
Bay, Michigan 420 $ 36,981,000 $ 88,050 $ 43,000
El Paso, Colorado 419 $ 62,349,000 $ 148,804 $ 46,000
Oklahoma, Oklahoma 410 $ 46,853,000 $ 114,275 $ 56,000
Hendricks, Indiana 404 $ 39,463,000 $ 97,680 $ 45,000
San Diego, California 398 $ 133,680,000 $ 335,879 $ 71,000
Anne Arundel, Maryland 395 $ 78,206,000 $ 197,989 $ 46,000
Prince William, Virginia 395 $ 78,597,000 $ 198,979 $ 47,000
Deschutes, Oregon 381 $ 56,978,000 $ 149,548 $ 89,000
Sutter, California 380 $ 63,923,000 $ 168,218 $ 51,000
Denver, Colorado 347 $ 55,684,000 $ 160,472 $ 38,000
Elkhart, Indiana 323 $ 31,833,000 $ 98,554 $ 36,000
Cameron, Texas 312 $ 31,995,000 $ 102,548 $ 52,000
Nye, Nevada 307 $ 45,822,000 $ 149,257 $ 48,000
Middlesex, New Jersey 294 $ 62,325,000 $ 211,989 $ 64,000
Jefferson, Colorado 287 $ 47,545,000 $ 165,662 $ 55,000
Sacramento, California 281 $ 57,609,000 $ 205,014 $ 62,000
Snohomish, Washington 280 $ 53,152,000 $ 189,828 $ 44,000
Pima, Arizona 268 $ 33,887,000 $ 126,444 $ 43,000
Monmouth, New Jersey 261 $ 61,119,000 $ 234,172 $ 76,000
Ingham, Michigan 258 $ 25,536,000 $ 98,976 $ 43,000
Cumberland, Maine 255 $ 51,656,000 $ 202,572 $ 52,000
Arapahoe, Colorado 251 $ 40,389,000 $ 160,912 $ 46,000
Johnson, Indiana 251 $ 22,724,000 $ 90,533 $ 52,000
Washington, Oregon 244 $ 36,547,000 $ 149,782 $ 57,000
San Joaquin, California 240 $ 52,829,000 $ 220,120 $ 71,000
Adams, Colorado 238 $ 37,763,000 $ 158,668 $ 42,000
Oakland, Michigan 236 $ 34,330,000 $ 145,466 $ 58,000
Multnomah, Oregon 233 $ 32,897,000 $ 141,188 $ 52,000
Fort Bend, Texas 231 $ 27,468,000 $ 118,909 $ 61,000
Shenandoah, Virginia 229 $ 27,459,000 $ 119,908 $ 60,000
Baltimore, Maryland 223 $ 35,327,000 $ 158,417 $ 39,000
Calhoun, Michigan 221 $ 21,024,000 $ 95,131 $ 41,000
Loudoun, Virginia 217 $ 50,886,000 $ 234,497 $ 60,000
Boone, Indiana 216 $ 17,806,000 $ 82,435 $ 143,000
Queens, New York 211 $ 50,228,000 $ 238,047 $ 53,000
Macomb, Michigan 209 $ 25,671,000 $ 122,827 $ 32,000
Hillsborough, Florida 206 $ 27,230,000 $ 132,184 $ 35,000
Pinal, Arizona 204 $ 24,539,000 $ 120,289 $ 50,000
Larimer, Colorado 200 $ 30,985,000 $ 154,925 $ 50,000
Cuyahoga, Ohio 200 $ 19,405,000 $ 97,025 $ 40,000
Tippecanoe, Indiana 198 $ 23,398,000 $ 118,171 $ 48,000
Clark, Washington 198 $ 27,348,000 $ 138,121 $ 48,000
Douglas, Colorado 195 $ 37,406,000 $ 191,825 $ 63,000
Polk, Florida 194 $ 27,988,000 $ 144,268 $ 33,000
Ocean, New Jersey 193 $ 37,646,000 $ 195,056 $ 70,000
Frederick, Maryland 191 $ 38,147,000 $ 199,722 $ 50,000
Mecklenburg, North Carolina 191 $ 24,069,000 $ 126,015 $ 39,000
Summit, Ohio 188 $ 18,440,000 $ 98,085 $ 34,000
Broward, Florida 187 $ 29,239,000 $ 156,358 $ 45,000
York, Maine 182 $ 32,939,000 $ 180,983 $ 40,000
Hidalgo, Texas 182 $ 18,227,000 $ 100,148 $ 49,000
Yuba, California 181 $ 25,689,000 $ 141,928 $ 40,000
Midland, Michigan 181 $ 18,191,000 $ 100,502 $ 44,000
Lake, Illinois 180 $ 29,449,000 $ 163,605 $ 51,000
Saginaw, Michigan 180 $ 15,863,000 $ 88,127 $ 27,000
Montgomery, Texas 178 $ 25,578,000 $ 143,696 $ 75,000
Dallas, Texas 174 $ 21,300,000 $ 122,413 $ 44,000
Alexandria, Virginia 173 $ 33,782,000 $ 195,271 $ 72,000
Pierce, Washington 169 $ 27,654,000 $ 163,633 $ 47,000
Wayne, Ohio 168 $ 16,841,000 $ 100,244 $ 26,000
Delaware, Ohio 160 $ 29,681,000 $ 185,506 $ 52,000
Palm Beach, Florida 159 $ 26,129,000 $ 164,333 $ 51,000
Thurston, Washington 156 $ 23,127,000 $ 148,250 $ 62,000
LaPorte, Indiana 155 $ 14,568,000 $ 93,987 $ 39,000
Will, Illinois 154 $ 24,532,000 $ 159,298 $ 48,000
Howard, Maryland 151 $ 34,964,000 $ 231,549 $ 76,000
Alamance, North Carolina 151 $ 15,397,000 $ 101,966 $ 36,000
Madera, California 145 $ 23,495,000 $ 162,034 $ 55,000
Orange, Florida 145 $ 20,291,000 $ 139,937 $ 55,000
Brazoria, Texas 143 $ 18,179,000 $ 127,125 $ 67,000
Cleveland, Oklahoma 142 $ 15,298,000 $ 107,732 $ 53,000
Galveston, Texas 142 $ 15,773,000 $ 111,077 $ 46,000
Summit, Utah 136 $ 31,974,000 $ 235,102 $ 163,000
Jackson, Missouri 135 $ 14,993,000 $ 111,059 $ 49,000
Placer, California 134 $ 36,453,000 $ 272,037 $ 94,000
Isabella, Michigan 133 $ 14,090,000 $ 105,939 $ 35,000
Cass, Michigan 131 $ 15,017,000 $ 114,633 $ 50,000
Harford, Maryland 130 $ 22,529,000 $ 173,300 $ 45,000
Klamath, Oregon 130 $ 14,141,000 $ 108,776 $ 52,000
Licking, Ohio 129 $ 18,224,000 $ 141,271 $ 39,000
Allegan, Michigan 127 $ 13,385,000 $ 105,393 $ 45,000
Worcester, Massachusetts 126 $ 23,359,000 $ 185,388 $ 55,000
Eaton, Michigan 126 $ 15,052,000 $ 119,460 $ 53,000
Van Buren, Michigan 125 $ 15,217,000 $ 121,736 $ 46,000
Pinellas, Florida 124 $ 20,023,000 $ 161,475 $ 51,000
Jackson, Michigan 124 $ 13,225,000 $ 106,653 $ 39,000
Butler, Ohio 123 $ 16,014,000 $ 130,195 $ 40,000
Butte, California 121 $ 21,114,000 $ 174,495 $ 82,000
Baltimore City, Maryland 120 $ 13,428,000 $ 111,900 $ 63,000
Lee, Florida 118 $ 14,492,000 $ 122,813 $ 72,000
Hamilton, Ohio 118 $ 12,974,000 $ 109,949 $ 42,000
Solano, California 116 $ 29,212,000 $ 251,827 $ 76,000
Lake, Ohio 116 $ 14,055,000 $ 121,163 $ 49,000
Richland, South Carolina 114 $ 13,549,000 $ 118,850 $ 38,000
Santa Clara, California 113 $ 36,299,000 $ 321,230 $ 78,000
Clackamas, Oregon 111 $ 20,028,000 $ 180,432 $ 71,000
Stark, Ohio 110 $ 10,302,000 $ 93,654 $ 32,000
Tulare, California 109 $ 16,058,000 $ 147,321 $ 63,000
Miami-Dade, Florida 105 $ 15,163,000 $ 144,409 $ 48,000
Johnson, Kansas 105 $ 15,206,000 $ 144,819 $ 59,000
Kenosha, Wisconsin 103 $ 12,223,000 $ 118,669 $ 46,000
Tulsa, Oklahoma 102 $ 14,299,000 $ 140,186 $ 54,000
Morgan, Indiana 101 $ 10,174,000 $ 100,732 $ 36,000
Orange, New York 100 $ 16,730,000 $ 167,300 $ 67,000
Virginia Beach, Virginia 100 $ 13,946,000 $ 139,460 $ 28,000
Volusia, Florida 98 $ 10,820,000 $ 110,408 $ 42,000
Middlesex, Massachusetts 98 $ 21,837,000 $ 222,826 $ 49,000
York, Pennsylvania 98 $ 12,976,000 $ 132,408 $ 45,000
Spotsylvania, Virginia 96 $ 16,732,000 $ 174,291 $ 46,000
Berrien, Michigan 95 $ 10,290,000 $ 108,315 $ 41,000
Crook, Oregon 95 $ 11,659,000 $ 122,726 $ 57,000
Hancock, Indiana 94 $ 11,701,000 $ 124,478 $ 45,000
Kosciusko, Indiana 94 $ 10,111,000 $ 107,563 $ 31,000
Boulder, Colorado 92 $ 17,932,000 $ 194,913 $ 52,000
District of Columbia, District Of Columbia 91 $ 20,127,000 $ 221,175 $ 48,000
McHenry, Illinois 91 $ 15,353,000 $ 168,714 $ 50,000
Shelby, Tennessee 91 $ 10,261,000 $ 112,758 $ 37,000
DuPage, Illinois 90 $ 13,172,000 $ 146,355 $ 47,000
Kane, Illinois 90 $ 13,298,000 $ 147,755 $ 57,000
Guadalupe, Texas 88 $ 10,062,000 $ 114,340 $ 44,000
San Mateo, California 86 $ 32,319,000 $ 375,802 $ 121,000
Ventura, California 84 $ 25,156,000 $ 299,476 $ 86,000
Duval, Florida 83 $ 10,348,000 $ 124,674 $ 40,000
Lake, Indiana 83 $ 7,850,000 $ 94,578 $ 32,000
Marshall, Indiana 82 $ 7,613,000 $ 92,841 $ 39,000
Collin, Texas 82 $ 10,445,000 $ 127,378 $ 51,000
Guilford, North Carolina 81 $ 9,527,000 $ 117,617 $ 36,000
Stafford, Virginia 81 $ 14,119,000 $ 174,308 $ 52,000
Osceola, Florida 79 $ 11,741,000 $ 148,620 $ 256,000
Grant, Indiana 79 $ 5,498,000 $ 69,594 $ 32,000
Huntington, Indiana 79 $ 7,708,000 $ 97,569 $ 36,000
Fayette, Kentucky 79 $ 9,656,000 $ 122,227 $ 50,000
Knox, Tennessee 79 $ 9,143,000 $ 115,734 $ 69,000
Madison, Indiana 78 $ 6,576,000 $ 84,307 $ 40,000
Jefferson, Kentucky 78 $ 9,102,000 $ 116,692 $ 47,000
Coos, New Hampshire 78 $ 5,415,000 $ 69,423 $ 37,000
Greenville, South Carolina 78 $ 6,501,000 $ 83,346 $ 37,000
Durham, North Carolina 77 $ 10,652,000 $ 138,337 $ 48,000
Huron, Ohio 77 $ 7,894,000 $ 102,519 $ 44,000
Bartholomew, Indiana 76 $ 9,151,000 $ 120,407 $ 43,000
Noble, Indiana 76 $ 7,236,000 $ 95,210 $ 42,000
Douglas, Nebraska 76 $ 11,023,000 $ 145,039 $ 53,000
Fairfield, Ohio 76 $ 12,699,000 $ 167,092 $ 48,000
Bristol, Massachusetts 75 $ 15,653,000 $ 208,706 $ 57,000
Union, New Jersey 75 $ 16,826,000 $ 224,346 $ 70,000
Saline, Arkansas 74 $ 7,168,000 $ 96,864 $ 50,000
Cumberland, North Carolina 74 $ 6,636,000 $ 89,675 $ 22,000
Salt Lake, Utah 74 $ 10,396,000 $ 140,486 $ 39,000
Shasta, California 73 $ 11,671,000 $ 159,876 $ 63,000
Monroe, Florida 73 $ 22,289,000 $ 305,328 $ 58,000
Rockingham, New Hampshire 73 $ 15,489,000 $ 212,178 $ 58,000
Pulaski, Arkansas 72 $ 8,314,000 $ 115,472 $ 47,000
Brevard, Florida 72 $ 8,032,000 $ 111,555 $ 34,000
Sedgwick, Kansas 72 $ 5,882,000 $ 81,694 $ 24,000
New Haven, Connecticut 71 $ 11,848,000 $ 166,873 $ 70,000
Lexington, South Carolina 71 $ 7,587,000 $ 106,859 $ 38,000
Whitley, Indiana 70 $ 6,710,000 $ 95,857 $ 32,000
Denton, Texas 70 $ 8,626,000 $ 123,228 $ 73,000
Anchorage, Alaska 69 $ 11,861,000 $ 171,898 $ 21,000
Yavapai, Arizona 69 $ 10,584,000 $ 153,391 $ 57,000
Stanislaus, California 69 $ 14,292,000 $ 207,130 $ 63,000
Genesee, Michigan 69 $ 7,217,000 $ 104,594 $ 34,000
St. Joseph, Michigan 67 $ 7,124,000 $ 106,328 $ 47,000
Chatham, Georgia 66 $ 9,273,000 $ 140,500 $ 38,000
DeKalb, Georgia 66 $ 8,085,000 $ 122,500 $ 26,000
Hillsborough, New Hampshire 66 $ 12,379,000 $ 187,560 $ 31,000
Clare, Michigan 65 $ 5,700,000 $ 87,692 $ 37,000
Philadelphia, Pennsylvania 65 $ 5,744,000 $ 88,369 $ 27,000
Johnson, Texas 65 $ 6,447,000 $ 99,184 $ 41,000
Kankakee, Illinois 64 $ 6,189,000 $ 96,703 $ 45,000
Canadian, Oklahoma 64 $ 7,179,000 $ 112,171 $ 74,000
Plymouth, Massachusetts 63 $ 12,120,000 $ 192,380 $ 50,000
Ashtabula, Ohio 63 $ 6,422,000 $ 101,936 $ 34,000
Parker, Texas 63 $ 8,684,000 $ 137,841 $ 40,000
San Francisco, California 62 $ 20,589,000 $ 332,080 $ 122,000
Hawaii, Hawaii 62 $ 16,300,000 $ 262,903 $ 51,000
Gallatin, Montana 62 $ 11,221,000 $ 180,983 $ 29,000
Chesterfield, Virginia 62 $ 8,021,000 $ 129,370 $ 34,000
Caddo, Louisiana 61 $ 5,507,000 $ 90,278 $ 54,000
Montgomery, Tennessee 61 $ 6,970,000 $ 114,262 $ 2,000
Sonoma, California 60 $ 16,143,000 $ 269,050 $ 85,000
Marion, Florida 60 $ 6,661,000 $ 111,016 $ 51,000
Hartford, Connecticut 59 $ 8,001,000 $ 135,610 $ 54,000
Porter, Indiana 59 $ 6,837,000 $ 115,881 $ 36,000
Johnston, North Carolina 59 $ 7,058,000 $ 119,627 $ 35,000
Greene, Ohio 58 $ 7,985,000 $ 137,672 $ 46,000
Carroll, Maryland 56 $ 11,035,000 $ 197,053 $ 72,000
DeKalb, Indiana 53 $ 5,583,000 $ 105,339 $ 41,000
Norfolk, Massachusetts 53 $ 12,844,000 $ 242,339 $ 65,000
Somerset, New Jersey 53 $ 10,716,000 $ 202,188 $ 61,000
Forsyth, North Carolina 53 $ 6,194,000 $ 116,867 $ 41,000
Warren, Ohio 53 $ 7,688,000 $ 145,056 $ 41,000
Monroe, Indiana 52 $ 5,979,000 $ 114,980 $ 37,000
Mercer, New Jersey 52 $ 6,584,000 $ 126,615 $ 64,000
Comal, Texas 52 $ 6,120,000 $ 117,692 $ 46,000
Fulton, Georgia 51 $ 8,308,000 $ 162,901 $ 38,000
Clinton, Michigan 51 $ 6,277,000 $ 123,078 $ 44,000
Boone, Missouri 51 $ 5,290,000 $ 103,725 $ 47,000
Strafford, New Hampshire 51 $ 9,548,000 $ 187,215 $ 20,000
Monterey, California 50 $ 20,754,000 $ 415,080 $ 137,000
Charles, Maryland 50 $ 8,766,000 $ 175,320 $ 41,000
Portage, Ohio 50 $ 5,673,000 $ 113,460 $ 45,000
Escambia, Florida 49 $ 5,285,000 $ 107,857 $ 64,000
Seminole, Florida 49 $ 5,094,000 $ 103,959 $ 47,000
Wayne, Indiana 49 $ 4,153,000 $ 84,755 $ 31,000
Essex, Massachusetts 49 $ 11,451,000 $ 233,693 $ 58,000
Barry, Michigan 49 $ 5,768,000 $ 117,714 $ 52,000
Lancaster, Nebraska 49 $ 5,085,000 $ 103,775 $ 26,000
Burlington, New Jersey 49 $ 8,155,000 $ 166,428 $ 56,000
Lucas, Ohio 49 $ 5,411,000 $ 110,428 $ 35,000
Androscoggin, Maine 48 $ 4,825,000 $ 100,520 $ 31,000
Person, North Carolina 48 $ 4,772,000 $ 99,416 $ 31,000
Montgomery, Ohio 48 $ 4,490,000 $ 93,541 $ 39,000
Tehama, California 47 $ 6,755,000 $ 143,723 $ 85,000
Lake, Florida 47 $ 6,527,000 $ 138,872 $ 38,000
Howard, Indiana 47 $ 4,985,000 $ 106,063 $ 34,000
Horry, South Carolina 47 $ 5,517,000 $ 117,382 $ 72,000
Washington, Utah 47 $ 7,035,000 $ 149,680 $ 61,000
Fairfield, Connecticut 46 $ 10,356,000 $ 225,130 $ 55,000
Sarasota, Florida 46 $ 9,410,000 $ 204,565 $ 67,000
Buncombe, North Carolina 46 $ 5,442,000 $ 118,304 $ 39,000
York, South Carolina 46 $ 5,618,000 $ 122,130 $ 45,000
Utah, Utah 46 $ 7,266,000 $ 157,956 $ 71,000
Arlington, Virginia 46 $ 8,992,000 $ 195,478 $ 56,000
Berkeley, South Carolina 45 $ 5,412,000 $ 120,266 $ 39,000
El Dorado, California 44 $ 12,699,000 $ 288,613 $ 90,000
Mesa, Colorado 44 $ 6,418,000 $ 145,863 $ 44,000
Randolph, North Carolina 44 $ 4,361,000 $ 99,113 $ 31,000
Lane, Oregon 44 $ 6,074,000 $ 138,045 $ 58,000
Santa Rosa, Florida 43 $ 4,275,000 $ 99,418 $ 34,000
Wyandotte, Kansas 43 $ 3,909,000 $ 90,906 $ 40,000
Dickinson, Michigan 43 $ 2,607,000 $ 60,627 $ 36,000
Erie, Ohio 43 $ 4,540,000 $ 105,581 $ 48,000
Montgomery, Pennsylvania 43 $ 5,256,000 $ 122,232 $ 51,000
Medina, Ohio 42 $ 4,994,000 $ 118,904 $ 44,000
Allegheny, Pennsylvania 42 $ 4,492,000 $ 106,952 $ 51,000
St. Lucie, Florida 41 $ 5,146,000 $ 125,512 $ 72,000
Dorchester, South Carolina 41 $ 4,976,000 $ 121,365 $ 33,000
Marin, California 40 $ 14,302,000 $ 357,550 $ 74,000
Gwinnett, Georgia 40 $ 5,494,000 $ 137,350 $ 50,000
Essex, New Jersey 40 $ 7,787,000 $ 194,675 $ 82,000
Onslow, North Carolina 40 $ 4,495,000 $ 112,375 $ 60,000
Pickaway, Ohio 40 $ 6,560,000 $ 164,000 $ 48,000
Fauquier, Virginia 40 $ 7,493,000 $ 187,325 $ 50,000
Vanderburgh, Indiana 39 $ 4,087,000 $ 104,794 $ 57,000
Bossier, Louisiana 39 $ 4,346,000 $ 111,435 $ 42,000
Chesapeake, Virginia 39 $ 5,711,000 $ 146,435 $ 36,000
Henrico, Virginia 39 $ 4,928,000 $ 126,358 $ 19,000
Steuben, Indiana 38 $ 4,573,000 $ 120,342 $ 33,000
Calvert, Maryland 38 $ 7,125,000 $ 187,500 $ 50,000
Branch, Michigan 38 $ 4,147,000 $ 109,131 $ 77,000
Clermont, Ohio 38 $ 4,270,000 $ 112,368 $ 32,000
Kings, California 37 $ 5,045,000 $ 136,351 $ 68,000
Pasco, Florida 37 $ 3,911,000 $ 105,702 $ 28,000
Clayton, Georgia 37 $ 4,256,000 $ 115,027 $ 15,000
Cobb, Georgia 37 $ 5,384,000 $ 145,513 $ 22,000
Gratiot, Michigan 37 $ 3,301,000 $ 89,216 $ 32,000
Ottawa, Michigan 37 $ 4,646,000 $ 125,567 $ 38,000
Union, North Carolina 37 $ 6,071,000 $ 164,081 $ 25,000
St. Louis, Missouri 36 $ 4,903,000 $ 136,194 $ 39,000
Kings, New York 36 $ 10,027,000 $ 278,527 $ 27,000
Henderson, North Carolina 36 $ 3,821,000 $ 106,138 $ 36,000
Delaware, Pennsylvania 36 $ 3,805,000 $ 105,694 $ 32,000
Manassas, Virginia 36 $ 6,294,000 $ 174,833 $ 42,000
Chester, Pennsylvania 35 $ 4,317,000 $ 123,342 $ 52,000
Charleston, South Carolina 35 $ 4,742,000 $ 135,485 $ 51,000
Bell, Texas 35 $ 3,094,000 $ 88,400 $ 12,000
Skamania, Washington 35 $ 4,888,000 $ 139,657 $ 42,000
Washington, Maryland 34 $ 4,627,000 $ 136,088 $ 37,000
Suffolk, Massachusetts 34 $ 9,961,000 $ 292,970 $ 49,000
Montcalm, Michigan 34 $ 3,516,000 $ 103,411 $ 39,000
Shiawassee, Michigan 34 $ 3,776,000 $ 111,058 $ 37,000
Spartanburg, South Carolina 34 $ 3,265,000 $ 96,029 $ 33,000
Montgomery, Alabama 33 $ 3,118,000 $ 94,484 $ 30,000
Jackson, Illinois 33 $ 2,768,000 $ 83,878 $ 48,000
Delaware, Indiana 33 $ 2,888,000 $ 87,515 $ 40,000
Hudson, New Jersey 33 $ 6,355,000 $ 192,575 $ 41,000
Lorain, Ohio 33 $ 3,864,000 $ 117,090 $ 46,000
Beaufort, South Carolina 33 $ 5,058,000 $ 153,272 $ 60,000
Mohave, Arizona 32 $ 3,698,000 $ 115,562 $ 77,000
LaGrange, Indiana 32 $ 3,154,000 $ 98,562 $ 40,000
Camden, New Jersey 32 $ 3,543,000 $ 110,718 $ 45,000
Wayne, North Carolina 32 $ 3,372,000 $ 105,375 $ 29,000
Davis, Utah 32 $ 4,457,000 $ 139,281 $ 54,000
Hampton, Virginia 32 $ 3,254,000 $ 101,687 $ 15,000
Winnebago, Illinois 31 $ 3,207,000 $ 103,451 $ 42,000
Gladwin, Michigan 31 $ 3,332,000 $ 107,483 $ 38,000
Sarpy, Nebraska 31 $ 3,950,000 $ 127,419 $ 37,000
Bergen, New Jersey 31 $ 8,116,000 $ 261,806 $ 70,000
Trumbull, Ohio 31 $ 2,753,000 $ 88,806 $ 29,000
Bucks, Pennsylvania 31 $ 6,197,000 $ 199,903 $ 83,000
Franklin, Pennsylvania 31 $ 3,468,000 $ 111,870 $ 66,000
Merced, California 30 $ 5,087,000 $ 169,566 $ 52,000
Flagler, Florida 30 $ 4,820,000 $ 160,666 $ 71,000
Putnam, Indiana 30 $ 2,847,000 $ 94,900 $ 32,000
Washtenaw, Michigan 30 $ 4,471,000 $ 149,033 $ 41,000
Mahoning, Ohio 30 $ 2,598,000 $ 86,600 $ 39,000
Giles, Tennessee 30 $ 2,430,000 $ 81,000 $ 37,000
New Castle, Delaware 29 $ 4,924,000 $ 169,793 $ 39,000
Polk, Iowa 29 $ 2,656,000 $ 91,586 $ 20,000
Cattaraugus, New York 29 $ 2,794,000 $ 96,344 $ 33,000
Davidson, North Carolina 29 $ 3,222,000 $ 111,103 $ 46,000
Cumberland, Pennsylvania 29 $ 4,389,000 $ 151,344 $ 53,000
Muskegon, Michigan 28 $ 3,212,000 $ 114,714 $ 30,000
Clay, Missouri 28 $ 3,386,000 $ 120,928 $ 70,000
Passaic, New Jersey 28 $ 5,688,000 $ 203,142 $ 48,000
Ashland, Ohio 28 $ 2,630,000 $ 93,928 $ 37,000
Jefferson, Alabama 27 $ 3,211,000 $ 118,925 $ 32,000
Calaveras, California 27 $ 5,939,000 $ 219,962 $ 77,000
Pueblo, Colorado 27 $ 4,639,000 $ 171,814 $ 50,000
Starke, Indiana 27 $ 2,269,000 $ 84,037 $ 30,000
Barnstable, Massachusetts 27 $ 6,288,000 $ 232,888 $ 97,000
St. Clair, Michigan 27 $ 4,078,000 $ 151,037 $ 38,000
New Hanover, North Carolina 27 $ 3,213,000 $ 119,000 $ 24,000
Morrow, Ohio 27 $ 3,493,000 $ 129,370 $ 39,000
Lincoln, Tennessee 27 $ 2,543,000 $ 94,185 $ 48,000
Travis, Texas 27 $ 3,231,000 $ 119,666 $ 35,000
Richmond City, Virginia 27 $ 2,459,000 $ 91,074 $ 33,000
Cowlitz, Washington 27 $ 2,455,000 $ 90,925 $ 63,000
Spokane, Washington 27 $ 3,543,000 $ 131,222 $ 54,000
Teller, Colorado 26 $ 4,068,000 $ 156,461 $ 31,000
Williamson, Illinois 26 $ 1,804,000 $ 69,384 $ 39,000
Sagadahoc, Maine 26 $ 3,958,000 $ 152,230 $ 39,000
Westchester, New York 26 $ 6,486,000 $ 249,461 $ 36,000
Marion, Oregon 26 $ 3,245,000 $ 124,807 $ 25,000
Yamhill, Oregon 26 $ 3,869,000 $ 148,807 $ 44,000
Providence, Rhode Island 26 $ 4,464,000 $ 171,692 $ 45,000
Coconino, Arizona 25 $ 4,140,000 $ 165,600 $ 52,000
Kenton, Kentucky 25 $ 2,161,000 $ 86,440 $ 35,000
Ionia, Michigan 25 $ 2,683,000 $ 107,320 $ 42,000
Livingston, Michigan 25 $ 3,772,000 $ 150,880 $ 66,000
Cabarrus, North Carolina 25 $ 3,038,000 $ 121,520 $ 20,000
Miami, Ohio 25 $ 2,593,000 $ 103,720 $ 36,000
Union, Ohio 25 $ 4,026,000 $ 161,040 $ 40,000
Hood River, Oregon 25 $ 3,675,000 $ 147,000 $ 57,000
Jackson, Oregon 25 $ 3,908,000 $ 156,320 $ 50,000
Dauphin, Pennsylvania 25 $ 2,771,000 $ 110,840 $ 36,000
Lancaster, Pennsylvania 25 $ 2,381,000 $ 95,240 $ 49,000
Benton, Washington 25 $ 3,294,000 $ 131,760 $ 46,000
Kitsap, Washington 25 $ 5,158,000 $ 206,320 $ 85,000
Manatee, Florida 24 $ 3,654,000 $ 152,250 $ 46,000
Bannock, Idaho 24 $ 2,997,000 $ 124,875 $ 39,000
St. Clair, Illinois 24 $ 2,620,000 $ 109,166 $ 42,000
Wells, Indiana 24 $ 2,497,000 $ 104,041 $ 34,000
Queen Anne's, Maryland 24 $ 4,404,000 $ 183,500 $ 64,000
Wicomico, Maryland 24 $ 2,973,000 $ 123,875 $ 39,000
Orange, North Carolina 24 $ 3,491,000 $ 145,458 $ 60,000
Rockingham, North Carolina 24 $ 2,384,000 $ 99,333 $ 32,000
Geauga, Ohio 24 $ 3,163,000 $ 131,791 $ 56,000
Madison, Ohio 24 $ 3,107,000 $ 129,458 $ 34,000
Newport News, Virginia 24 $ 2,465,000 $ 102,708 $ 25,000
Norfolk, Virginia 24 $ 3,474,000 $ 144,750 $ 30,000
Milwaukee, Wisconsin 24 $ 2,247,000 $ 93,625 $ 31,000
Santa Cruz, California 23 $ 8,446,000 $ 367,217 $ 83,000
Wabash, Indiana 23 $ 1,798,000 $ 78,173 $ 61,000
Kennebec, Maine 23 $ 2,402,000 $ 104,434 $ 51,000
Gogebic, Michigan 23 $ 1,765,000 $ 76,739 $ 65,000
Dakota, Minnesota 23 $ 3,983,000 $ 173,173 $ 50,000
Hennepin, Minnesota 23 $ 3,994,000 $ 173,652 $ 62,000
Atlantic, New Jersey 23 $ 3,076,000 $ 133,739 $ 41,000
Gloucester, New Jersey 23 $ 3,006,000 $ 130,695 $ 30,000
Adams, Pennsylvania 23 $ 2,781,000 $ 120,913 $ 55,000
Dillon, South Carolina 23 $ 1,916,000 $ 83,304 $ 78,000
Williamson, Texas 23 $ 2,575,000 $ 111,956 $ 17,000
Frederick, Virginia 23 $ 3,221,000 $ 140,043 $ 59,000
Walworth, Wisconsin 23 $ 3,374,000 $ 146,695 $ 67,000
Nevada, California 22 $ 5,467,000 $ 248,500 $ 129,000
Saline, Kansas 22 $ 1,912,000 $ 86,909 $ 37,000
Hardin, Kentucky 22 $ 2,014,000 $ 91,545 $ 34,000
Carroll, New Hampshire 22 $ 2,977,000 $ 135,318 $ 37,000
Bernalillo, New Mexico 22 $ 2,681,000 $ 121,863 $ 52,000
Erie, New York 22 $ 1,965,000 $ 89,318 $ 38,000
Gaston, North Carolina 22 $ 2,172,000 $ 98,727 $ 72,000
Tuscarawas, Ohio 22 $ 2,063,000 $ 93,772 $ 47,000
Columbia, Oregon 22 $ 2,660,000 $ 120,909 $ 31,000
Davidson, Tennessee 22 $ 2,838,000 $ 129,000 $ 30,000
Shawnee, Kansas 21 $ 1,635,000 $ 77,857 $ 36,000
Washoe, Nevada 21 $ 3,481,000 $ 165,761 $ 76,000
Comanche, Oklahoma 21 $ 1,582,000 $ 75,333 $ 33,000
Logan, Oklahoma 21 $ 2,467,000 $ 117,476 $ 56,000
Luzerne, Pennsylvania 21 $ 2,004,000 $ 95,428 $ 49,000
Island, Washington 21 $ 3,442,000 $ 163,904 $ 66,000
Skagit, Washington 21 $ 2,552,000 $ 121,523 $ 43,000
Collier, Florida 20 $ 4,168,000 $ 208,400 $ 195,000
Indian River, Florida 20 $ 2,924,000 $ 146,200 $ 26,000
Henry, Indiana 20 $ 1,413,000 $ 70,650 $ 51,000
Shelby, Indiana 20 $ 1,344,000 $ 67,200 $ 51,000
Worcester, Maryland 20 $ 3,698,000 $ 184,900 $ 78,000
Hampden, Massachusetts 20 $ 2,660,000 $ 133,000 $ 39,000
Anoka, Minnesota 20 $ 2,567,000 $ 128,350 $ 25,000
Harnett, North Carolina 20 $ 2,171,000 $ 108,550 $ 37,000
Linn, Oregon 20 $ 2,104,000 $ 105,200 $ 33,000
Aiken, South Carolina 20 $ 2,607,000 $ 130,350 $ 39,000
Anderson, South Carolina 20 $ 2,056,000 $ 102,800 $ 36,000
El Paso, Texas 20 $ 1,371,000 $ 68,550 $ 6,000
Ellis, Texas 20 $ 2,430,000 $ 121,500 $ 57,000
Madison, Alabama 19 $ 1,933,000 $ 101,736 $ 28,000
Charlotte, Florida 19 $ 2,934,000 $ 154,421 $ 60,000
Richmond, Georgia 19 $ 2,222,000 $ 116,947 $ 14,000
Fulton, Indiana 19 $ 1,363,000 $ 71,736 $ 29,000
Orleans, Louisiana 19 $ 2,409,000 $ 126,789 $ 98,000
Cecil, Maryland 19 $ 3,400,000 $ 178,947 $ 56,000
Monroe, Michigan 19 $ 2,624,000 $ 138,105 $ 41,000
Tuscola, Michigan 19 $ 2,045,000 $ 107,631 $ 37,000
Morris, New Jersey 19 $ 5,850,000 $ 307,894 $ 70,000
Orangeburg, South Carolina 19 $ 1,911,000 $ 100,578 $ 118,000
Louisa, Virginia 19 $ 2,347,000 $ 123,526 $ 29,000
Orange, Virginia 19 $ 2,889,000 $ 152,052 $ 48,000
Gila, Arizona 18 $ 2,179,000 $ 121,055 $ 81,000
Santa Barbara, California 18 $ 6,469,000 $ 359,388 $ 111,000
Clay, Florida 18 $ 2,141,000 $ 118,944 $ 31,000
Leon, Florida 18 $ 1,787,000 $ 99,277 $ 42,000
Henry, Georgia 18 $ 2,390,000 $ 132,777 $ 14,000
Houston, Georgia 18 $ 1,883,000 $ 104,611 $ 40,000
Jasper, Indiana 18 $ 1,859,000 $ 103,277 $ 42,000
Mecosta, Michigan 18 $ 1,983,000 $ 110,166 $ 39,000
Ramsey, Minnesota 18 $ 2,937,000 $ 163,166 $ 68,000
St. Louis City, Missouri 18 $ 1,952,000 $ 108,444 $ 65,000
Taney, Missouri 18 $ 2,390,000 $ 132,777 $ 61,000
Merrimack, New Hampshire 18 $ 3,498,000 $ 194,333 $ 18,000
Berks, Pennsylvania 18 $ 1,728,000 $ 96,000 $ 33,000
Monroe, Pennsylvania 18 $ 2,491,000 $ 138,388 $ 46,000
Sumter, South Carolina 18 $ 1,788,000 $ 99,333 $ 31,000
Caroline, Virginia 18 $ 2,136,000 $ 118,666 $ 37,000
Manassas Park, Virginia 18 $ 3,242,000 $ 180,111 $ 36,000
Navajo, Arizona 17 $ 1,687,000 $ 99,235 $ 60,000
Meade, Kentucky 17 $ 1,748,000 $ 102,823 $ 40,000
Buchanan, Missouri 17 $ 1,186,000 $ 69,764 $ 56,000
Pitt, North Carolina 17 $ 1,467,000 $ 86,294 $ 32,000
Preble, Ohio 17 $ 1,954,000 $ 114,941 $ 28,000
Richland, Ohio 17 $ 1,629,000 $ 95,823 $ 46,000
Rogers, Oklahoma 17 $ 2,942,000 $ 173,058 $ 69,000
Westmoreland, Pennsylvania 17 $ 1,515,000 $ 89,117 $ 51,000
Racine, Wisconsin 17 $ 2,034,000 $ 119,647 $ 36,000
Matanuska-Susitna, Alaska 16 $ 2,743,000 $ 171,437 $ 24,000
Boone, Kentucky 16 $ 2,056,000 $ 128,500 $ 52,000
McCracken, Kentucky 16 $ 1,345,000 $ 84,062 $ 55,000
Cass, Missouri 16 $ 1,740,000 $ 108,750 $ 49,000
Onondaga, New York 16 $ 1,324,000 $ 82,750 $ 33,000
Rockland, New York 16 $ 3,707,000 $ 231,687 $ 62,000
Steuben, New York 16 $ 1,553,000 $ 97,062 $ 41,000
Iredell, North Carolina 16 $ 2,062,000 $ 128,875 $ 33,000
Douglas, Oregon 16 $ 2,356,000 $ 147,250 $ 39,000
Jefferson, Oregon 16 $ 1,547,000 $ 96,687 $ 55,000
Crawford, Pennsylvania 16 $ 1,624,000 $ 101,500 $ 45,000
Nueces, Texas 16 $ 1,195,000 $ 74,687 $ 28,000
Wasatch, Utah 16 $ 2,561,000 $ 160,062 $ 55,000
Berkeley, West Virginia 16 $ 1,762,000 $ 110,125 $ 41,000
Kanawha, West Virginia 16 $ 1,164,000 $ 72,750 $ 34,000
Cochise, Arizona 15 $ 2,160,000 $ 144,000 $ 72,000
Yolo, California 15 $ 4,799,000 $ 319,933 $ 89,000
Broomfield, Colorado 15 $ 2,220,000 $ 148,000 $ 55,000
Kent, Delaware 15 $ 1,628,000 $ 108,533 $ 29,000
Sussex, Delaware 15 $ 3,294,000 $ 219,600 $ 66,000
Jefferson, Louisiana 15 $ 1,622,000 $ 108,133 $ 82,000
Lenawee, Michigan 15 $ 1,645,000 $ 109,666 $ 30,000
Albany, New York 15 $ 1,326,000 $ 88,400 $ 34,000
Allegany, New York 15 $ 1,419,000 $ 94,600 $ 46,000
Broome, New York 15 $ 1,420,000 $ 94,666 $ 34,000
Richmond, New York 15 $ 3,113,000 $ 207,533 $ 73,000
Carteret, North Carolina 15 $ 2,098,000 $ 139,866 $ 76,000
Stokes, North Carolina 15 $ 1,590,000 $ 106,000 $ 45,000
Grady, Oklahoma 15 $ 1,545,000 $ 103,000 $ 65,000
McClain, Oklahoma 15 $ 1,511,000 $ 100,733 $ 70,000
Clatsop, Oregon 15 $ 1,749,000 $ 116,600 $ 90,000
Northampton, Pennsylvania 15 $ 2,174,000 $ 144,933 $ 69,000
Perry, Pennsylvania 15 $ 2,038,000 $ 135,866 $ 59,000
Liberty, Texas 15 $ 1,489,000 $ 99,266 $ 45,000
Culpeper, Virginia 15 $ 3,045,000 $ 203,000 $ 43,000
Portsmouth, Virginia 15 $ 1,530,000 $ 102,000 $ 12,000
Page:

Mortgage Loan Application Detail Totals for Union Federal C/O Sky 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
Home Purchase 33,325 $4,817,336,000 $143,269 $2,865,000 $57,923 $5,417,000
Refinancing 29,187 $4,897,606,000 $148,176 $9,000,000 $35,490 $9,025,000
Home Improvement 2,749 $173,456,000 $68,772 $1,500,000 $67,340 $880,000

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 43,250 $6,644,381,000 $149,346 $9,000,000 $52,884 $9,025,000
Hispanic 6,398 $951,321,000 $137,920 $1,000,000 $38,560 $5,417,000
Not applicable 5,426 $799,593,000 $133,509 $2,000,000 $31,862 $2,601,000
Black or African American 4,585 $615,393,000 $144,711 $1,000,000 $39,355 $660,000
Not Provided 3,636 $503,129,000 $131,102 $1,700,000 $38,387 $600,000
Asian 1,536 $300,643,000 $168,292 $1,485,000 $56,170 $480,000
American Indian or Alaskan Native 245 $39,231,000 $148,411 $1,000,000 $39,205 $368,000
Native Hawaiian or Other Pacific Islander 185 $34,707,000 $151,653 $805,000 $43,076 $474,000

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) 45,746 $7,567,359,000 $149,980 $9,000,000 $58,019 $9,025,000
FHA-insured (Federal Housing Administration) 15,191 $1,780,737,000 $120,666 $409,000 $25,529 $593,000
VA-guaranteed (Veterans Administration) 4,320 $540,028,000 $121,862 $321,000 $15,352 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $274,000 $74,000 $96,000 $26,500 $31,000

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 41,344 $6,470,143,000 $146,117 $9,000,000 $49,784 $9,025,000
Application Withdrawn By Applicant 6,423 $910,299,000 $136,720 $1,320,000 $39,200 $2,400,000
Application Denied By Financial Institution 5,626 $711,858,000 $139,705 $1,485,000 $51,941 $2,250,000
Loan Purchased By The Institution 5,139 $731,932,000 $127,020 $2,000,000 $25,041 $2,601,000
Application Approved But Not Accepted 4,335 $742,526,000 $154,156 $2,000,000 $46,313 $949,000
Preapproval Denied by Financial Institution 1,452 $176,940,000 $121,000 $640,000 $45,000 $308,000
File Closed For Incompleteness 942 $144,700,000 $163,391 $1,560,000 $52,326 $5,417,000
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
Other 2,978 $419,915,000 $155,942 $1,346,000 $53,750 $2,250,000
Credit History 2,444 $234,399,000 $112,306 $970,000 $50,632 $1,752,000
Debt-To-Income Ratio 831 $121,184,000 $130,697 $600,000 $41,255 $378,000
Collateral 364 $49,361,000 $161,300 $1,485,000 $60,175 $450,000
Unverifiable Information 161 $24,936,000 $160,793 $580,000 $60,620 $494,000
Credit Application Incomplete 122 $15,212,000 $122,000 $397,000 $24,666 $196,000
Employment History 98 $13,169,000 $166,518 $960,000 $44,481 $600,000
Insufficient Cash (Downpayment, Closing Cost) 80 $10,622,000 $131,571 $600,000 $40,714 $152,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Federal C/O Sky 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 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.
For a list of all lenders in Ohio, download the full spreadsheet with aggregated HMDA statistics today.

Download the Ohio Lender List