Union Federal C/O Sky Bank Mortgage Lending & HMDA Data, 2005

In 2005, Union Federal C/O Sky Bank of Bowling Green, OH reported 73,905 mortgage applications totaling $10.6 billion, up 13% from 2004. The average application was for $143,304, and applicants reported an average income of $57,560. 61% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Indianapolis, IN (3,840), Phoenix-Mesa-Scottsdale, AZ (3,766) and Chicago-Naperville-Joliet, IL (1,486) (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 73,905
Total Mortgage Loan Application Amount $10,590,892,000
Average Mortgage Loan Application Amount $143,304
Highest Mortgage Loan Application Amount $2,500,000
Average Applicant Income $57,560
Highest Applicant Income $9,740,000

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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,815 $ 460,173,000 $ 163,471 $ 51,000
Marion, Indiana 1,950 $ 156,474,000 $ 80,243 $ 49,000
Bexar, Texas 1,218 $ 114,259,000 $ 93,808 $ 39,000
Los Angeles, California 1,144 $ 324,424,000 $ 283,587 $ 73,000
Clark, Nevada 981 $ 178,916,000 $ 182,381 $ 66,000
Pinal, Arizona 951 $ 114,500,000 $ 120,399 $ 39,000
Cook, Illinois 917 $ 136,623,000 $ 148,989 $ 69,000
King, Washington 849 $ 185,302,000 $ 218,259 $ 95,000
Allen, Indiana 848 $ 81,226,000 $ 95,785 $ 36,000
Montgomery, Maryland 829 $ 178,176,000 $ 214,928 $ 159,000
Tarrant, Texas 785 $ 81,145,000 $ 103,369 $ 46,000
Harris, Texas 746 $ 95,175,000 $ 127,580 $ 65,000
Prince George's, Maryland 702 $ 122,264,000 $ 174,165 $ 53,000
Kalamazoo, Michigan 692 $ 67,753,000 $ 97,908 $ 39,000
Franklin, Ohio 692 $ 90,505,000 $ 130,787 $ 42,000
Hamilton, Indiana 689 $ 76,304,000 $ 110,746 $ 108,000
Riverside, California 664 $ 166,462,000 $ 250,695 $ 70,000
Wayne, Michigan 611 $ 62,258,000 $ 101,895 $ 44,000
Kern, California 587 $ 89,320,000 $ 152,163 $ 60,000
Orange, California 584 $ 216,066,000 $ 369,976 $ 108,000
Weld, Colorado 572 $ 72,660,000 $ 127,027 $ 49,000
El Paso, Colorado 560 $ 80,558,000 $ 143,853 $ 56,000
Deschutes, Oregon 552 $ 86,428,000 $ 156,572 $ 64,000
Fairfax, Virginia 524 $ 124,716,000 $ 238,007 $ 44,000
Fresno, California 516 $ 89,357,000 $ 173,172 $ 74,000
Wake, North Carolina 515 $ 62,581,000 $ 121,516 $ 42,000
Sutter, California 511 $ 93,137,000 $ 182,264 $ 64,000
Oklahoma, Oklahoma 510 $ 54,679,000 $ 107,213 $ 60,000
Prince William, Virginia 493 $ 107,773,000 $ 218,606 $ 62,000
San Bernardino, California 489 $ 95,803,000 $ 195,916 $ 60,000
Clark, Washington 442 $ 57,068,000 $ 129,113 $ 48,000
Denver, Colorado 436 $ 61,994,000 $ 142,188 $ 44,000
Hendricks, Indiana 434 $ 41,292,000 $ 95,142 $ 50,000
St. Joseph, Indiana 421 $ 39,431,000 $ 93,660 $ 41,000
Multnomah, Oregon 418 $ 55,864,000 $ 133,645 $ 55,000
Middlesex, New Jersey 375 $ 68,616,000 $ 182,976 $ 53,000
Thurston, Washington 360 $ 58,267,000 $ 161,852 $ 63,000
Snohomish, Washington 350 $ 61,469,000 $ 175,625 $ 58,000
Suffolk, New York 349 $ 81,442,000 $ 233,358 $ 86,000
Tippecanoe, Indiana 335 $ 41,500,000 $ 123,880 $ 43,000
Sacramento, California 324 $ 74,363,000 $ 229,515 $ 72,000
San Diego, California 314 $ 108,421,000 $ 345,289 $ 74,000
Anne Arundel, Maryland 314 $ 65,929,000 $ 209,964 $ 62,000
Macomb, Michigan 314 $ 40,766,000 $ 129,828 $ 41,000
Pima, Arizona 310 $ 41,453,000 $ 133,719 $ 57,000
Fulton, Georgia 306 $ 37,167,000 $ 121,460 $ 72,000
Nye, Nevada 306 $ 58,668,000 $ 191,725 $ 62,000
Johnson, Indiana 296 $ 27,233,000 $ 92,003 $ 42,000
Loudoun, Virginia 293 $ 70,517,000 $ 240,672 $ 56,000
Bay, Michigan 286 $ 24,948,000 $ 87,230 $ 37,000
Yuba, California 285 $ 49,161,000 $ 172,494 $ 51,000
Jefferson, Colorado 278 $ 42,583,000 $ 153,176 $ 52,000
Pierce, Washington 274 $ 40,688,000 $ 148,496 $ 52,000
Lake, Illinois 273 $ 37,028,000 $ 135,633 $ 65,000
Calhoun, Michigan 271 $ 23,807,000 $ 87,848 $ 45,000
Oakland, Michigan 271 $ 36,280,000 $ 133,874 $ 60,000
Salt Lake, Utah 271 $ 35,036,000 $ 129,284 $ 49,000
York, Maine 261 $ 36,612,000 $ 140,275 $ 69,000
Kent, Michigan 253 $ 24,288,000 $ 96,000 $ 38,000
Frederick, Maryland 251 $ 46,912,000 $ 186,900 $ 55,000
Cameron, Texas 250 $ 26,383,000 $ 105,532 $ 55,000
Cumberland, Maine 246 $ 42,234,000 $ 171,682 $ 58,000
Nassau, New York 244 $ 68,686,000 $ 281,500 $ 110,000
Elkhart, Indiana 243 $ 25,002,000 $ 102,888 $ 34,000
Arapahoe, Colorado 241 $ 36,476,000 $ 151,352 $ 69,000
Adams, Colorado 239 $ 36,507,000 $ 152,748 $ 41,000
Monmouth, New Jersey 239 $ 51,457,000 $ 215,301 $ 70,000
Boone, Indiana 236 $ 22,684,000 $ 96,118 $ 53,000
Cuyahoga, Ohio 235 $ 19,948,000 $ 84,885 $ 37,000
San Joaquin, California 227 $ 59,683,000 $ 262,920 $ 79,000
Shenandoah, Virginia 227 $ 31,765,000 $ 139,933 $ 54,000
DeKalb, Georgia 225 $ 22,098,000 $ 98,213 $ 53,000
Larimer, Colorado 223 $ 30,876,000 $ 138,457 $ 62,000
Hillsborough, Florida 214 $ 29,381,000 $ 137,294 $ 57,000
Orange, Florida 213 $ 27,868,000 $ 130,835 $ 48,000
Ingham, Michigan 211 $ 18,722,000 $ 88,729 $ 39,000
Broward, Florida 207 $ 39,445,000 $ 190,555 $ 62,000
Midland, Michigan 205 $ 20,647,000 $ 100,717 $ 47,000
Baltimore, Maryland 199 $ 30,622,000 $ 153,879 $ 92,000
Mecklenburg, North Carolina 195 $ 21,615,000 $ 110,846 $ 44,000
Washington, Oregon 194 $ 31,181,000 $ 160,726 $ 54,000
Klamath, Oregon 192 $ 20,299,000 $ 105,723 $ 60,000
Howard, Maryland 185 $ 43,526,000 $ 235,275 $ 76,000
Hidalgo, Texas 181 $ 19,487,000 $ 107,662 $ 67,000
Will, Illinois 176 $ 23,924,000 $ 135,931 $ 55,000
Gwinnett, Georgia 173 $ 20,455,000 $ 118,236 $ 50,000
Polk, Florida 172 $ 22,875,000 $ 132,994 $ 38,000
Montgomery, Texas 171 $ 22,175,000 $ 129,678 $ 68,000
Butte, California 169 $ 30,144,000 $ 178,366 $ 68,000
District of Columbia, District Of Columbia 167 $ 39,364,000 $ 235,712 $ 80,000
Saginaw, Michigan 167 $ 12,982,000 $ 77,736 $ 32,000
Brevard, Florida 160 $ 19,916,000 $ 124,475 $ 40,000
Guadalupe, Texas 160 $ 17,853,000 $ 111,581 $ 47,000
Douglas, Colorado 158 $ 34,776,000 $ 220,101 $ 86,000
Tulare, California 157 $ 23,480,000 $ 149,554 $ 56,000
Ocean, New Jersey 157 $ 28,932,000 $ 184,280 $ 74,000
El Paso, Texas 155 $ 14,241,000 $ 91,877 $ 66,000
Dallas, Texas 153 $ 17,583,000 $ 114,921 $ 40,000
Summit, Ohio 152 $ 13,292,000 $ 87,447 $ 37,000
Lee, Florida 149 $ 23,783,000 $ 159,617 $ 78,000
Palm Beach, Florida 149 $ 24,423,000 $ 163,912 $ 56,000
Cleveland, Oklahoma 149 $ 15,407,000 $ 103,402 $ 56,000
Durham, North Carolina 147 $ 15,215,000 $ 103,503 $ 41,000
Clackamas, Oregon 145 $ 26,299,000 $ 181,372 $ 66,000
Stafford, Virginia 141 $ 29,931,000 $ 212,276 $ 59,000
Kenosha, Wisconsin 141 $ 15,162,000 $ 107,531 $ 53,000
Isabella, Michigan 139 $ 12,506,000 $ 89,971 $ 40,000
Galveston, Texas 139 $ 13,786,000 $ 99,179 $ 56,000
Fayette, Kentucky 137 $ 15,446,000 $ 112,744 $ 54,000
Allegan, Michigan 137 $ 13,957,000 $ 101,875 $ 46,000
Chatham, Georgia 136 $ 18,344,000 $ 134,882 $ 62,000
Butler, Ohio 135 $ 15,022,000 $ 111,274 $ 67,000
Brazoria, Texas 133 $ 14,299,000 $ 107,511 $ 57,000
Boulder, Colorado 132 $ 20,671,000 $ 156,598 $ 51,000
DuPage, Illinois 131 $ 22,418,000 $ 171,129 $ 62,000
Contra Costa, California 129 $ 43,997,000 $ 341,062 $ 79,000
Cobb, Georgia 125 $ 15,550,000 $ 124,400 $ 56,000
Kosciusko, Indiana 125 $ 13,511,000 $ 108,088 $ 46,000
Summit, Utah 124 $ 32,237,000 $ 259,975 $ 126,000
Knox, Tennessee 122 $ 15,421,000 $ 126,401 $ 40,000
Spotsylvania, Virginia 122 $ 22,192,000 $ 181,901 $ 60,000
Baltimore City, Maryland 121 $ 13,355,000 $ 110,371 $ 64,000
Union, New Jersey 121 $ 25,972,000 $ 214,644 $ 53,000
McHenry, Illinois 120 $ 16,194,000 $ 134,950 $ 53,000
LaPorte, Indiana 120 $ 12,580,000 $ 104,833 $ 36,000
Van Buren, Michigan 116 $ 12,228,000 $ 105,413 $ 52,000
Hamilton, Ohio 116 $ 11,928,000 $ 102,827 $ 56,000
Marion, Florida 115 $ 9,427,000 $ 81,973 $ 31,000
Grant, Indiana 115 $ 8,008,000 $ 69,634 $ 33,000
Miami-Dade, Florida 114 $ 20,726,000 $ 181,807 $ 96,000
Worcester, Massachusetts 114 $ 18,631,000 $ 163,429 $ 59,000
Delaware, Ohio 114 $ 20,165,000 $ 176,885 $ 61,000
Placer, California 110 $ 30,500,000 $ 277,272 $ 96,000
Clayton, Georgia 108 $ 8,801,000 $ 81,490 $ 42,000
Kane, Illinois 108 $ 13,490,000 $ 124,907 $ 57,000
Washington, Utah 107 $ 16,042,000 $ 149,925 $ 89,000
Volusia, Florida 106 $ 17,224,000 $ 162,490 $ 52,000
Vanderburgh, Indiana 106 $ 8,974,000 $ 84,660 $ 40,000
Madera, California 104 $ 17,458,000 $ 167,865 $ 58,000
Lake, Florida 104 $ 15,131,000 $ 145,490 $ 41,000
Williamson, Illinois 103 $ 7,182,000 $ 69,728 $ 39,000
Osceola, Florida 102 $ 17,341,000 $ 170,009 $ 56,000
Alamance, North Carolina 102 $ 9,538,000 $ 93,509 $ 34,000
Guilford, North Carolina 101 $ 9,552,000 $ 94,574 $ 43,000
Alameda, California 100 $ 29,953,000 $ 299,530 $ 98,000
Jefferson, Kentucky 100 $ 11,810,000 $ 118,100 $ 58,000
Queens, New York 100 $ 27,157,000 $ 271,570 $ 57,000
Crook, Oregon 100 $ 11,918,000 $ 119,180 $ 82,000
Saline, Arkansas 99 $ 9,646,000 $ 97,434 $ 57,000
Mesa, Colorado 99 $ 13,562,000 $ 136,989 $ 52,000
Pinellas, Florida 99 $ 15,736,000 $ 158,949 $ 58,000
Hancock, Indiana 99 $ 12,385,000 $ 125,101 $ 61,000
Virginia Beach, Virginia 99 $ 15,524,000 $ 156,808 $ 47,000
Mohave, Arizona 97 $ 11,668,000 $ 120,288 $ 68,000
Cass, Michigan 96 $ 9,723,000 $ 101,281 $ 73,000
Genesee, Michigan 96 $ 10,705,000 $ 111,510 $ 22,000
Eaton, Michigan 95 $ 9,378,000 $ 98,715 $ 49,000
Parker, Texas 95 $ 10,326,000 $ 108,694 $ 50,000
Charles, Maryland 94 $ 18,162,000 $ 193,212 $ 64,000
St. Joseph, Michigan 94 $ 7,240,000 $ 77,021 $ 42,000
Licking, Ohio 94 $ 12,809,000 $ 136,265 $ 51,000
York, Pennsylvania 94 $ 9,329,000 $ 99,244 $ 33,000
Harford, Maryland 93 $ 16,070,000 $ 172,795 $ 57,000
Gallatin, Montana 93 $ 12,327,000 $ 132,548 $ 54,000
Canadian, Oklahoma 93 $ 11,161,000 $ 120,010 $ 62,000
Davis, Utah 92 $ 11,611,000 $ 126,206 $ 39,000
Stanislaus, California 90 $ 18,836,000 $ 209,288 $ 77,000
Randolph, North Carolina 90 $ 9,232,000 $ 102,577 $ 39,000
Fort Bend, Texas 89 $ 9,921,000 $ 111,471 $ 48,000
Yavapai, Arizona 88 $ 13,201,000 $ 150,011 $ 55,000
Bartholomew, Indiana 88 $ 9,896,000 $ 112,454 $ 47,000
Lake, Indiana 88 $ 7,947,000 $ 90,306 $ 44,000
Caddo, Louisiana 88 $ 8,621,000 $ 97,965 $ 41,000
Richland, South Carolina 88 $ 9,344,000 $ 106,181 $ 37,000
Shelby, Tennessee 88 $ 12,510,000 $ 142,159 $ 51,000
Berrien, Michigan 87 $ 8,811,000 $ 101,275 $ 35,000
Wayne, Ohio 87 $ 8,444,000 $ 97,057 $ 37,000
Marion, Oregon 87 $ 10,391,000 $ 119,436 $ 50,000
Noble, Indiana 85 $ 9,166,000 $ 107,835 $ 49,000
Douglas, Nebraska 84 $ 8,020,000 $ 95,476 $ 71,000
Greenville, South Carolina 84 $ 8,342,000 $ 99,309 $ 34,000
Jackson, Missouri 83 $ 7,897,000 $ 95,144 $ 48,000
Forsyth, North Carolina 82 $ 7,917,000 $ 96,548 $ 41,000
Greene, Ohio 82 $ 11,097,000 $ 135,329 $ 52,000
Monroe, Indiana 81 $ 9,154,000 $ 113,012 $ 50,000
Middlesex, Massachusetts 81 $ 21,509,000 $ 265,543 $ 91,000
St. Lucie, Florida 79 $ 10,969,000 $ 138,848 $ 58,000
Kings, California 77 $ 10,629,000 $ 138,038 $ 71,000
Somerset, New Jersey 77 $ 16,768,000 $ 217,766 $ 67,000
Travis, Texas 76 $ 12,173,000 $ 160,171 $ 52,000
Buncombe, North Carolina 75 $ 7,507,000 $ 100,093 $ 48,000
Stark, Ohio 75 $ 6,819,000 $ 90,920 $ 46,000
Collin, Texas 74 $ 7,620,000 $ 102,972 $ 56,000
Cumberland, North Carolina 73 $ 7,465,000 $ 102,260 $ 42,000
Huron, Ohio 72 $ 7,565,000 $ 105,069 $ 38,000
Montgomery, Tennessee 72 $ 8,165,000 $ 113,402 $ 9,000
Androscoggin, Maine 71 $ 7,068,000 $ 99,549 $ 59,000
Fairfield, Ohio 71 $ 10,744,000 $ 151,323 $ 50,000
Coos, New Hampshire 69 $ 5,909,000 $ 85,637 $ 51,000
Utah, Utah 69 $ 15,537,000 $ 225,173 $ 100,000
Warren, Ohio 68 $ 8,152,000 $ 119,882 $ 44,000
Charleston, South Carolina 68 $ 10,370,000 $ 152,500 $ 43,000
Pulaski, Arkansas 67 $ 7,883,000 $ 117,656 $ 46,000
Clare, Michigan 66 $ 5,136,000 $ 77,818 $ 35,000
Johnson, Kansas 65 $ 7,720,000 $ 118,769 $ 30,000
Pickaway, Ohio 65 $ 10,699,000 $ 164,600 $ 47,000
Morgan, Indiana 64 $ 4,979,000 $ 77,796 $ 52,000
Bristol, Massachusetts 64 $ 13,926,000 $ 217,593 $ 67,000
Johnson, Texas 64 $ 5,533,000 $ 86,453 $ 42,000
Franklin, Illinois 63 $ 3,480,000 $ 55,238 $ 35,000
Madison, Indiana 63 $ 3,656,000 $ 58,031 $ 42,000
Cowlitz, Washington 63 $ 6,060,000 $ 96,190 $ 49,000
Duval, Florida 62 $ 7,949,000 $ 128,209 $ 41,000
St. Clair, Illinois 62 $ 6,082,000 $ 98,096 $ 48,000
Porter, Indiana 62 $ 6,356,000 $ 102,516 $ 31,000
Essex, Massachusetts 62 $ 13,710,000 $ 221,129 $ 86,000
Bernalillo, New Mexico 62 $ 6,406,000 $ 103,322 $ 53,000
Horry, South Carolina 62 $ 7,837,000 $ 126,403 $ 50,000
Plymouth, Massachusetts 61 $ 13,628,000 $ 223,409 $ 94,000
Pasco, Florida 60 $ 8,165,000 $ 136,083 $ 42,000
Marshall, Indiana 60 $ 7,717,000 $ 128,616 $ 75,000
Jackson, Michigan 60 $ 5,970,000 $ 99,500 $ 34,000
Lancaster, Nebraska 60 $ 4,583,000 $ 76,383 $ 34,000
Montgomery, Ohio 60 $ 7,092,000 $ 118,200 $ 42,000
Lexington, South Carolina 60 $ 5,145,000 $ 85,750 $ 35,000
Clermont, Ohio 59 $ 6,346,000 $ 107,559 $ 47,000
Skamania, Washington 59 $ 8,333,000 $ 141,237 $ 67,000
Spokane, Washington 59 $ 6,159,000 $ 104,389 $ 53,000
Madison, Alabama 58 $ 5,563,000 $ 95,913 $ 48,000
Fairfield, Connecticut 58 $ 8,350,000 $ 143,965 $ 65,000
Sarasota, Florida 58 $ 9,479,000 $ 163,431 $ 66,000
Alexandria, Virginia 58 $ 13,040,000 $ 224,827 $ 67,000
Essex, New Jersey 57 $ 9,789,000 $ 171,736 $ 40,000
Philadelphia, Pennsylvania 57 $ 6,436,000 $ 112,912 $ 62,000
Chesterfield, Virginia 57 $ 7,053,000 $ 123,736 $ 49,000
Camden, New Jersey 56 $ 6,840,000 $ 122,142 $ 56,000
Mercer, New Jersey 56 $ 6,343,000 $ 113,267 $ 86,000
Santa Rosa, Florida 55 $ 5,814,000 $ 105,709 $ 38,000
Wayne, Indiana 55 $ 4,105,000 $ 74,636 $ 22,000
Barry, Michigan 55 $ 4,956,000 $ 90,109 $ 45,000
Johnston, North Carolina 55 $ 5,842,000 $ 106,218 $ 35,000
Denton, Texas 55 $ 9,484,000 $ 172,436 $ 137,000
Winnebago, Illinois 54 $ 4,214,000 $ 78,037 $ 51,000
Warrick, Indiana 54 $ 6,214,000 $ 115,074 $ 69,000
Richmond, Georgia 53 $ 4,213,000 $ 79,490 $ 42,000
Norfolk, Massachusetts 53 $ 12,231,000 $ 230,773 $ 68,000
Comal, Texas 53 $ 5,819,000 $ 109,792 $ 53,000
Frederick, Virginia 53 $ 8,188,000 $ 154,490 $ 48,000
Escambia, Florida 52 $ 6,059,000 $ 116,519 $ 55,000
Wicomico, Maryland 52 $ 6,494,000 $ 124,884 $ 56,000
Delaware, Pennsylvania 52 $ 7,321,000 $ 140,788 $ 48,000
Orange, New York 51 $ 7,816,000 $ 153,254 $ 51,000
Henderson, North Carolina 51 $ 4,616,000 $ 90,509 $ 36,000
Union, North Carolina 51 $ 6,622,000 $ 129,843 $ 46,000
Weber, Utah 51 $ 7,162,000 $ 140,431 $ 50,000
Washington, Maryland 50 $ 7,701,000 $ 154,020 $ 34,000
Milwaukee, Wisconsin 50 $ 4,560,000 $ 91,200 $ 40,000
Madison, Illinois 49 $ 5,166,000 $ 105,428 $ 52,000
New Haven, Connecticut 48 $ 7,854,000 $ 163,625 $ 58,000
Monroe, Florida 48 $ 15,092,000 $ 314,416 $ 77,000
Rockingham, New Hampshire 48 $ 8,614,000 $ 179,458 $ 35,000
Tulsa, Oklahoma 48 $ 5,849,000 $ 121,854 $ 31,000
Manassas, Virginia 48 $ 9,308,000 $ 193,916 $ 48,000
Ada, Idaho 47 $ 6,227,000 $ 132,489 $ 36,000
Steuben, Indiana 47 $ 6,418,000 $ 136,553 $ 52,000
Arlington, Virginia 47 $ 11,440,000 $ 243,404 $ 61,000
Fauquier, Virginia 47 $ 8,352,000 $ 177,702 $ 42,000
El Dorado, California 46 $ 15,575,000 $ 338,586 $ 125,000
Solano, California 46 $ 12,247,000 $ 266,239 $ 78,000
Rockingham, North Carolina 46 $ 4,399,000 $ 95,630 $ 45,000
Chesapeake, Virginia 46 $ 7,067,000 $ 153,630 $ 44,000
Anchorage, Alaska 45 $ 9,095,000 $ 202,111 $ 10,000
Ventura, California 45 $ 14,894,000 $ 330,977 $ 90,000
Henry, Georgia 45 $ 5,378,000 $ 119,511 $ 34,000
Lorain, Ohio 45 $ 3,827,000 $ 85,044 $ 38,000
York, South Carolina 45 $ 4,969,000 $ 110,422 $ 37,000
Henrico, Virginia 45 $ 5,216,000 $ 115,911 $ 65,000
Cherokee, Georgia 44 $ 5,084,000 $ 115,545 $ 49,000
Whitley, Indiana 44 $ 3,688,000 $ 83,818 $ 44,000
Gratiot, Michigan 44 $ 3,379,000 $ 76,795 $ 40,000
Williamson, Texas 44 $ 4,428,000 $ 100,636 $ 44,000
Tazewell, Illinois 43 $ 2,816,000 $ 65,488 $ 60,000
Ottawa, Michigan 43 $ 5,104,000 $ 118,697 $ 41,000
Person, North Carolina 43 $ 3,914,000 $ 91,023 $ 41,000
Bucks, Pennsylvania 43 $ 7,740,000 $ 180,000 $ 51,000
DeKalb, Indiana 42 $ 3,951,000 $ 94,071 $ 46,000
Huntington, Indiana 42 $ 3,696,000 $ 88,000 $ 51,000
Washtenaw, Michigan 42 $ 8,070,000 $ 192,142 $ 76,000
Hillsborough, New Hampshire 42 $ 7,114,000 $ 169,380 $ 73,000
Rowan, North Carolina 42 $ 3,896,000 $ 92,761 $ 28,000
Chester, Pennsylvania 42 $ 5,638,000 $ 134,238 $ 67,000
Gila, Arizona 41 $ 4,008,000 $ 97,756 $ 57,000
Peoria, Illinois 41 $ 3,156,000 $ 76,975 $ 39,000
Bossier, Louisiana 41 $ 4,420,000 $ 107,804 $ 66,000
Hennepin, Minnesota 41 $ 6,803,000 $ 165,926 $ 85,000
Berkeley, South Carolina 41 $ 4,413,000 $ 107,634 $ 34,000
Whatcom, Washington 41 $ 6,105,000 $ 148,902 $ 55,000
Jackson, Illinois 40 $ 3,368,000 $ 84,200 $ 38,000
Hudson, New Jersey 40 $ 8,518,000 $ 212,950 $ 79,000
Montgomery, Alabama 39 $ 3,655,000 $ 93,717 $ 66,000
Santa Clara, California 39 $ 14,377,000 $ 368,641 $ 88,000
Carroll, Maryland 39 $ 9,880,000 $ 253,333 $ 46,000
Queen Anne's, Maryland 39 $ 7,662,000 $ 196,461 $ 91,000
Gladwin, Michigan 39 $ 3,531,000 $ 90,538 $ 42,000
Harnett, North Carolina 39 $ 4,027,000 $ 103,256 $ 51,000
Hardin, Kentucky 38 $ 3,424,000 $ 90,105 $ 40,000
Muskegon, Michigan 38 $ 3,456,000 $ 90,947 $ 44,000
St. Louis, Missouri 38 $ 3,671,000 $ 96,605 $ 42,000
Strafford, New Hampshire 38 $ 5,181,000 $ 136,342 $ 38,000
Lucas, Ohio 38 $ 2,730,000 $ 71,842 $ 38,000
Hampton, Virginia 38 $ 4,299,000 $ 113,131 $ 31,000
Norfolk, Virginia 38 $ 4,784,000 $ 125,894 $ 33,000
Jefferson, Alabama 37 $ 2,611,000 $ 70,567 $ 48,000
Howard, Indiana 37 $ 4,555,000 $ 123,108 $ 42,000
Calvert, Maryland 37 $ 7,797,000 $ 210,729 $ 56,000
Broome, New York 37 $ 2,386,000 $ 64,486 $ 49,000
Franklin, Pennsylvania 37 $ 3,808,000 $ 102,918 $ 50,000
Wasatch, Utah 37 $ 5,546,000 $ 149,891 $ 103,000
Lewis, Washington 37 $ 3,751,000 $ 101,378 $ 42,000
Shasta, California 36 $ 6,202,000 $ 172,277 $ 51,000
Pueblo, Colorado 36 $ 5,218,000 $ 144,944 $ 48,000
Hernando, Florida 36 $ 4,134,000 $ 114,833 $ 47,000
Spalding, Georgia 36 $ 2,444,000 $ 67,888 $ 65,000
Washoe, Nevada 36 $ 5,175,000 $ 143,750 $ 59,000
Dauphin, Pennsylvania 36 $ 3,289,000 $ 91,361 $ 51,000
Benton, Washington 36 $ 4,060,000 $ 112,777 $ 55,000
McCracken, Kentucky 35 $ 2,454,000 $ 70,114 $ 31,000
Gaston, North Carolina 35 $ 3,114,000 $ 88,971 $ 39,000
Jefferson, Oregon 35 $ 4,154,000 $ 118,685 $ 65,000
Tehama, California 34 $ 5,123,000 $ 150,676 $ 56,000
Effingham, Georgia 34 $ 3,485,000 $ 102,500 $ 39,000
Delaware, Indiana 34 $ 2,173,000 $ 63,911 $ 39,000
White, Indiana 34 $ 4,103,000 $ 120,676 $ 71,000
Merrimack, New Hampshire 34 $ 4,615,000 $ 135,735 $ 28,000
Wayne, North Carolina 34 $ 3,149,000 $ 92,617 $ 36,000
Logan, Oklahoma 34 $ 4,234,000 $ 124,529 $ 81,000
Davidson, Tennessee 34 $ 4,969,000 $ 146,147 $ 31,000
LaGrange, Indiana 33 $ 3,318,000 $ 100,545 $ 55,000
Barren, Kentucky 33 $ 2,661,000 $ 80,636 $ 42,000
Burlington, New Jersey 33 $ 4,387,000 $ 132,939 $ 67,000
Lake, Ohio 33 $ 3,515,000 $ 106,515 $ 41,000
Seminole, Florida 32 $ 4,441,000 $ 138,781 $ 32,000
Newton, Georgia 32 $ 3,552,000 $ 111,000 $ 39,000
Livingston, Michigan 32 $ 4,992,000 $ 156,000 $ 63,000
Sarpy, Nebraska 32 $ 4,385,000 $ 137,031 $ 45,000
Iredell, North Carolina 32 $ 4,068,000 $ 127,125 $ 40,000
Nash, North Carolina 32 $ 3,253,000 $ 101,656 $ 44,000
Johnson, Illinois 31 $ 2,188,000 $ 70,580 $ 33,000
Scott, Indiana 31 $ 2,628,000 $ 84,774 $ 32,000
Shelby, Indiana 31 $ 2,607,000 $ 84,096 $ 69,000
Madison, Kentucky 31 $ 3,874,000 $ 124,967 $ 47,000
Meade, Kentucky 31 $ 3,417,000 $ 110,225 $ 49,000
Barnstable, Massachusetts 31 $ 7,173,000 $ 231,387 $ 62,000
Suffolk, Massachusetts 31 $ 9,441,000 $ 304,548 $ 72,000
Ashtabula, Ohio 31 $ 4,255,000 $ 137,258 $ 36,000
Erie, Ohio 31 $ 3,628,000 $ 117,032 $ 57,000
Dorchester, South Carolina 31 $ 3,762,000 $ 121,354 $ 45,000
Navajo, Arizona 30 $ 3,775,000 $ 125,833 $ 72,000
Monterey, California 30 $ 13,434,000 $ 447,800 $ 202,000
Hartford, Connecticut 30 $ 4,467,000 $ 148,900 $ 95,000
Sussex, Delaware 30 $ 7,279,000 $ 242,633 $ 117,000
Gogebic, Michigan 30 $ 2,256,000 $ 75,200 $ 37,000
St. Clair, Michigan 30 $ 3,431,000 $ 114,366 $ 56,000
Bergen, New Jersey 30 $ 8,799,000 $ 293,300 $ 81,000
Bell, Texas 30 $ 3,555,000 $ 118,500 $ 28,000
Orange, Virginia 30 $ 5,109,000 $ 170,300 $ 47,000
Coconino, Arizona 29 $ 3,500,000 $ 120,689 $ 55,000
Lassen, California 29 $ 4,937,000 $ 170,241 $ 80,000
Yolo, California 29 $ 5,474,000 $ 188,758 $ 34,000
St. Johns, Florida 29 $ 7,695,000 $ 265,344 $ 149,000
Marion, Illinois 29 $ 1,759,000 $ 60,655 $ 43,000
Jasper, Indiana 29 $ 2,956,000 $ 101,931 $ 52,000
Wyandotte, Kansas 29 $ 2,322,000 $ 80,068 $ 44,000
Passaic, New Jersey 29 $ 6,830,000 $ 235,517 $ 74,000
Marion, Ohio 29 $ 2,619,000 $ 90,310 $ 48,000
Trumbull, Ohio 29 $ 1,711,000 $ 59,000 $ 50,000
Anderson, South Carolina 29 $ 2,519,000 $ 86,862 $ 31,000
Caroline, Virginia 29 $ 3,999,000 $ 137,896 $ 52,000
Richmond City, Virginia 29 $ 2,570,000 $ 88,620 $ 41,000
Teller, Colorado 28 $ 3,319,000 $ 118,535 $ 51,000
Flagler, Florida 28 $ 4,164,000 $ 148,714 $ 91,000
Douglas, Georgia 28 $ 3,037,000 $ 108,464 $ 35,000
Laurens, Georgia 28 $ 2,622,000 $ 93,642 $ 46,000
Canyon, Idaho 28 $ 2,981,000 $ 106,464 $ 57,000
Branch, Michigan 28 $ 2,581,000 $ 92,178 $ 56,000
Dallas, Missouri 28 $ 1,470,000 $ 52,500 $ 43,000
Brunswick, North Carolina 28 $ 3,379,000 $ 120,678 $ 33,000
New Hanover, North Carolina 28 $ 3,405,000 $ 121,607 $ 36,000
Orange, North Carolina 28 $ 3,211,000 $ 114,678 $ 37,000
Portage, Ohio 28 $ 3,130,000 $ 111,785 $ 42,000
Garfield, Oklahoma 28 $ 2,357,000 $ 84,178 $ 44,000
Allegheny, Pennsylvania 28 $ 2,047,000 $ 73,107 $ 56,000
Spartanburg, South Carolina 28 $ 2,607,000 $ 93,107 $ 70,000
Waller, Texas 28 $ 3,562,000 $ 127,214 $ 61,000
Racine, Wisconsin 28 $ 2,569,000 $ 91,750 $ 39,000
Kent, Delaware 27 $ 3,317,000 $ 122,851 $ 34,000
Clark, Indiana 27 $ 2,978,000 $ 110,296 $ 41,000
Boone, Missouri 27 $ 3,158,000 $ 116,962 $ 24,000
Davidson, North Carolina 27 $ 2,467,000 $ 91,370 $ 31,000
Onslow, North Carolina 27 $ 3,112,000 $ 115,259 $ 43,000
Stokes, North Carolina 27 $ 2,522,000 $ 93,407 $ 33,000
Madison, Ohio 27 $ 3,764,000 $ 139,407 $ 48,000
Cumberland, Pennsylvania 27 $ 3,731,000 $ 138,185 $ 88,000
Lancaster, Pennsylvania 27 $ 3,240,000 $ 120,000 $ 37,000
Montgomery, Pennsylvania 27 $ 4,816,000 $ 178,370 $ 71,000
Beaufort, South Carolina 27 $ 3,553,000 $ 131,592 $ 33,000
Bastrop, Texas 27 $ 3,237,000 $ 119,888 $ 35,000
Newport News, Virginia 27 $ 2,681,000 $ 99,296 $ 47,000
Columbia, Georgia 26 $ 2,439,000 $ 93,807 $ 49,000
Walton, Georgia 26 $ 1,941,000 $ 74,653 $ 48,000
St. Mary's, Maryland 26 $ 4,758,000 $ 183,000 $ 40,000
Monroe, Michigan 26 $ 3,381,000 $ 130,038 $ 32,000
Dakota, Minnesota 26 $ 4,189,000 $ 161,115 $ 126,000
Greene, Missouri 26 $ 1,959,000 $ 75,346 $ 77,000
Medina, Ohio 26 $ 2,699,000 $ 103,807 $ 46,000
Jackson, Oregon 26 $ 3,322,000 $ 127,769 $ 39,000
Providence, Rhode Island 26 $ 3,986,000 $ 153,307 $ 64,000
Ellis, Texas 26 $ 2,593,000 $ 99,730 $ 30,000
Colusa, California 25 $ 4,349,000 $ 173,960 $ 47,000
San Mateo, California 25 $ 10,014,000 $ 400,560 $ 120,000
Hawaii, Hawaii 25 $ 7,190,000 $ 287,600 $ 79,000
Bonner, Idaho 25 $ 2,616,000 $ 104,640 $ 64,000
Kankakee, Illinois 25 $ 2,518,000 $ 100,720 $ 39,000
Putnam, Indiana 25 $ 2,106,000 $ 84,240 $ 42,000
Wells, Indiana 25 $ 1,887,000 $ 75,480 $ 36,000
Tuscola, Michigan 25 $ 2,212,000 $ 88,480 $ 28,000
Morrow, Ohio 25 $ 2,721,000 $ 108,840 $ 61,000
Douglas, Oregon 25 $ 2,871,000 $ 114,840 $ 33,000
Lane, Oregon 25 $ 3,843,000 $ 153,720 $ 45,000
Linn, Oregon 25 $ 3,557,000 $ 142,280 $ 41,000
Adams, Pennsylvania 25 $ 2,944,000 $ 117,760 $ 58,000
Dillon, South Carolina 25 $ 2,251,000 $ 90,040 $ 47,000
Uvalde, Texas 25 $ 1,739,000 $ 69,560 $ 29,000
Sonoma, California 24 $ 6,969,000 $ 290,375 $ 76,000
Jefferson, Illinois 24 $ 1,619,000 $ 67,458 $ 61,000
Clinton, Michigan 24 $ 2,471,000 $ 102,958 $ 100,000
Shiawassee, Michigan 24 $ 2,224,000 $ 92,666 $ 33,000
Miami, Ohio 24 $ 2,949,000 $ 122,875 $ 61,000
Portsmouth, Virginia 24 $ 2,848,000 $ 118,666 $ 41,000
Kitsap, Washington 24 $ 4,126,000 $ 171,916 $ 67,000
Charlotte, Florida 23 $ 5,315,000 $ 231,086 $ 177,000
Collier, Florida 23 $ 6,016,000 $ 261,565 $ 554,000
Indian River, Florida 23 $ 3,485,000 $ 151,521 $ 56,000
Paulding, Georgia 23 $ 2,314,000 $ 100,608 $ 23,000
Belknap, New Hampshire 23 $ 3,154,000 $ 137,130 $ 36,000
Catawba, North Carolina 23 $ 2,186,000 $ 95,043 $ 43,000
Mahoning, Ohio 23 $ 2,035,000 $ 88,478 $ 37,000
Polk, Oregon 23 $ 3,303,000 $ 143,608 $ 62,000
Berks, Pennsylvania 23 $ 2,553,000 $ 111,000 $ 36,000
Manassas Park, Virginia 23 $ 4,399,000 $ 191,260 $ 26,000
Martin, Florida 22 $ 4,940,000 $ 224,545 $ 151,000
Union, Ohio 22 $ 3,606,000 $ 163,909 $ 49,000
Hood River, Oregon 22 $ 2,499,000 $ 113,590 $ 76,000
Monroe, Pennsylvania 22 $ 2,925,000 $ 132,954 $ 75,000
Northampton, Pennsylvania 22 $ 2,727,000 $ 123,954 $ 45,000
Hays, Texas 22 $ 2,345,000 $ 106,590 $ 35,000
Skagit, Washington 22 $ 2,943,000 $ 133,772 $ 40,000
Berkeley, West Virginia 22 $ 2,471,000 $ 112,318 $ 24,000
New Castle, Delaware 21 $ 3,184,000 $ 151,619 $ 39,000
Clay, Florida 21 $ 2,891,000 $ 137,666 $ 36,000
Leon, Florida 21 $ 1,685,000 $ 80,238 $ 41,000
Rockdale, Georgia 21 $ 2,150,000 $ 102,380 $ 83,000
Kendall, Illinois 21 $ 2,483,000 $ 118,238 $ 58,000
Wabash, Indiana 21 $ 2,115,000 $ 100,714 $ 21,000
Atlantic, New Jersey 21 $ 5,644,000 $ 268,761 $ 172,000
Pottawatomie, Oklahoma 21 $ 2,037,000 $ 97,000 $ 41,000
Yamhill, Oregon 21 $ 3,468,000 $ 165,142 $ 60,000
Luzerne, Pennsylvania 21 $ 2,783,000 $ 132,523 $ 30,000
Culpeper, Virginia 21 $ 4,242,000 $ 202,000 $ 70,000
Suffolk, Virginia 21 $ 3,480,000 $ 165,714 $ 60,000
Chelan, Washington 21 $ 1,995,000 $ 95,000 $ 90,000
Cochise, Arizona 20 $ 1,872,000 $ 93,600 $ 68,000
La Plata, Colorado 20 $ 5,017,000 $ 250,850 $ 188,000
Manatee, Florida 20 $ 2,610,000 $ 130,500 $ 62,000
Hall, Georgia 20 $ 2,021,000 $ 101,050 $ 38,000
Kootenai, Idaho 20 $ 2,665,000 $ 133,250 $ 102,000
Saline, Illinois 20 $ 1,467,000 $ 73,350 $ 52,000
Kenton, Kentucky 20 $ 1,553,000 $ 77,650 $ 36,000
East Baton Rouge, Louisiana 20 $ 1,353,000 $ 67,650 $ 22,000
Ramsey, Minnesota 20 $ 2,358,000 $ 117,900 $ 78,000
Westchester, New York 20 $ 8,793,000 $ 439,650 $ 111,000
Caswell, North Carolina 20 $ 1,933,000 $ 96,650 $ 34,000
Clark, Ohio 20 $ 1,983,000 $ 99,150 $ 44,000
Lincoln, Oregon 20 $ 3,299,000 $ 164,950 $ 78,000
Warren, Virginia 20 $ 3,200,000 $ 160,000 $ 60,000
White, Arkansas 19 $ 1,458,000 $ 76,736 $ 50,000
Citrus, Florida 19 $ 1,582,000 $ 83,263 $ 49,000
Carroll, Indiana 19 $ 1,927,000 $ 101,421 $ 50,000
Linn, Iowa 19 $ 1,866,000 $ 98,210 $ 28,000
Kennebec, Maine 19 $ 1,612,000 $ 84,842 $ 52,000
Ionia, Michigan 19 $ 1,873,000 $ 98,578 $ 29,000
Cape May, New Jersey 19 $ 5,918,000 $ 311,473 $ 28,000
Caldwell, North Carolina 19 $ 1,692,000 $ 89,052 $ 19,000
Pitt, North Carolina 19 $ 1,499,000 $ 78,894 $ 25,000
Muskingum, Ohio 19 $ 1,798,000 $ 94,631 $ 37,000
Richland, Ohio 19 $ 1,668,000 $ 87,789 $ 36,000
Pike, Pennsylvania 19 $ 2,569,000 $ 135,210 $ 84,000
Rutherford, Tennessee 19 $ 1,900,000 $ 100,000 $ 20,000
Sevier, Tennessee 19 $ 2,481,000 $ 130,578 $ 36,000
Matanuska-Susitna, Alaska 18 $ 3,506,000 $ 194,777 $ 34,000
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Mortgage Loan Application Detail Totals for Union Federal C/O Sky 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
Home Purchase 48,601 $6,590,024,000 $132,230 $2,500,000 $64,442 $5,010,000
Refinancing 22,363 $3,811,661,000 $155,865 $2,210,000 $43,846 $9,740,000
Home Improvement 2,941 $189,207,000 $90,181 $1,925,000 $71,522 $5,480,000

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 47,110 $6,720,362,000 $141,326 $2,500,000 $58,634 $3,158,000
Hispanic 7,577 $1,088,587,000 $137,021 $1,625,000 $50,106 $1,200,000
Not applicable 7,047 $1,109,859,000 $146,254 $1,820,000 $61,764 $5,010,000
Black or African American 5,508 $714,768,000 $132,822 $2,000,000 $45,711 $5,480,000
Not Provided 4,583 $591,584,000 $132,020 $2,210,000 $50,708 $9,740,000
Asian 1,653 $291,281,000 $153,512 $1,703,000 $65,333 $1,158,000
Native Hawaiian or Other Pacific Islander 216 $42,522,000 $166,074 $1,000,000 $62,185 $380,000
American Indian or Alaskan Native 211 $31,929,000 $139,454 $1,100,000 $56,939 $748,000

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) 56,040 $8,402,397,000 $139,846 $2,500,000 $64,846 $9,740,000
FHA-insured (Federal Housing Administration) 14,132 $1,657,094,000 $126,687 $436,000 $30,291 $5,010,000
VA-guaranteed (Veterans Administration) 3,727 $530,892,000 $140,540 $367,000 $26,540 $829,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $509,000 $89,500 $119,000 $32,500 $83,000

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 45,190 $6,566,140,000 $140,176 $2,000,000 $60,196 $9,740,000
Application Denied By Financial Institution 7,870 $957,678,000 $126,653 $2,000,000 $47,442 $3,000,000
Application Approved But Not Accepted 7,178 $1,109,965,000 $142,058 $2,210,000 $54,235 $3,158,000
Loan Purchased By The Institution 7,113 $1,112,286,000 $140,897 $1,820,000 $61,714 $5,010,000
Application Withdrawn By Applicant 5,920 $764,697,000 $141,920 $2,500,000 $45,140 $1,001,000
File Closed For Incompleteness 341 $40,986,000 $137,533 $729,000 $48,000 $600,000
Preapproval Denied by Financial Institution 293 $39,140,000 $133,000 $900,000 $40,000 $282,000
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
Credit History 3,840 $389,111,000 $114,416 $1,690,000 $41,000 $3,000,000
Other 1,723 $252,614,000 $136,395 $2,000,000 $54,041 $813,000
Debt-To-Income Ratio 1,047 $141,113,000 $123,674 $803,000 $40,744 $587,000
Collateral 857 $119,048,000 $145,829 $1,645,000 $53,191 $816,000
Unverifiable Information 362 $54,692,000 $157,147 $928,000 $63,941 $524,000
Insufficient Cash (Downpayment, Closing Cost) 185 $22,678,000 $125,888 $863,000 $45,555 $480,000
Employment History 149 $17,562,000 $111,964 $400,000 $32,535 $300,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
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 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 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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