Union Federal C/O Sky Bank Mortgage Lending & HMDA Data, 2006
In 2006, Union Federal C/O Sky Bank of Bowling Green, OH reported 7,025 mortgage applications totaling $807.6 million, down 90% from 2005. The average application was for $114,965, and applicants reported an average income of $73,043. 38% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Indianapolis-Carmel, IN (1,434), Atlanta-Sandy Springs-Marietta, GA (294) and Phoenix-Mesa-Scottsdale, AZ (242) (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 | 7,025 |
| Total Mortgage Loan Application Amount | $807,633,000 |
| Average Mortgage Loan Application Amount | $114,965 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $73,043 |
| Highest Applicant Income | $1,800,000 |
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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Indianapolis-Carmel, IN | 1,434 | $ 84,551,000 | $ 58,961 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 294 | $ 32,981,000 | $ 112,180 | $ 107,000 |
| Phoenix-Mesa-Scottsdale, AZ | 242 | $ 33,723,000 | $ 139,351 | $ 59,000 |
| Chicago-Naperville-Joliet, IL | 200 | $ 21,144,000 | $ 105,720 | $ 83,000 |
| Houston-Sugar Land-Baytown, TX | 117 | $ 12,197,000 | $ 104,247 | $ 77,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 113 | $ 22,702,000 | $ 200,902 | $ 57,592 |
| Denver-Aurora, CO | 105 | $ 12,643,000 | $ 120,409 | $ 71,000 |
| Portland-Vancouver-Beaverton, OR-WA | 98 | $ 13,009,000 | $ 132,744 | $ 94,959 |
| Los Angeles-Long Beach-Glendale, CA | 89 | $ 25,028,000 | $ 281,213 | $ 133,000 |
| Las Vegas-Paradise, NV | 81 | $ 12,977,000 | $ 160,209 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 66 | $ 15,693,000 | $ 237,772 | $ 116,000 |
| San Antonio, TX | 62 | $ 7,239,000 | $ 116,758 | $ 58,000 |
| Columbus, OH | 59 | $ 4,893,000 | $ 82,932 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 57 | $ 11,101,000 | $ 194,754 | $ 115,000 |
| Salt Lake City, UT | 56 | $ 7,554,000 | $ 134,892 | $ 84,000 |
| Detroit-Livonia-Dearborn, MI | 52 | $ 3,289,000 | $ 63,250 | $ 78,000 |
| Tucson, AZ | 50 | $ 4,370,000 | $ 87,400 | $ 73,000 |
| Warren-Troy-Farmington Hills, MI | 49 | $ 5,187,000 | $ 105,857 | $ 67,000 |
| Bethesda-Gaithersburg-Frederick, MD | 48 | $ 9,125,000 | $ 190,104 | $ 48,000 |
| Fort Wayne, IN | 48 | $ 3,955,000 | $ 82,395 | $ 51,000 |
| Kalamazoo-Portage, MI | 47 | $ 4,119,000 | $ 87,638 | $ 65,000 |
| Oklahoma City, OK | 47 | $ 5,532,000 | $ 117,702 | $ 62,000 |
| Grand Rapids-Wyoming, MI | 45 | $ 3,319,000 | $ 73,755 | $ 59,000 |
| Baltimore-Towson, MD | 44 | $ 7,967,000 | $ 181,068 | $ 78,000 |
| St. Louis, MO-IL | 43 | $ 2,184,000 | $ 50,790 | $ 61,069 |
| Cleveland-Elyria-Mentor, OH | 42 | $ 2,501,000 | $ 59,547 | $ 71,000 |
| Edison, NJ | 41 | $ 9,140,000 | $ 222,926 | $ 101,000 |
| Nassau-Suffolk, NY | 40 | $ 11,919,000 | $ 297,975 | $ 130,000 |
| Greeley, CO | 39 | $ 4,393,000 | $ 112,641 | $ 81,000 |
| Raleigh-Cary, NC | 39 | $ 4,227,000 | $ 108,384 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 38 | $ 3,056,000 | $ 80,421 | $ 68,236 |
| Santa Ana-Anaheim-Irvine, CA | 38 | $ 14,047,000 | $ 369,657 | $ 126,000 |
| South Bend-Mishawaka, IN-MI | 38 | $ 2,726,000 | $ 71,736 | $ 33,368 |
| Bend, OR | 37 | $ 5,859,000 | $ 158,351 | $ 105,000 |
| Fresno, CA | 37 | $ 7,186,000 | $ 194,216 | $ 101,000 |
| New York-White Plains-Wayne, NY-NJ | 37 | $ 10,458,000 | $ 282,648 | $ 79,054 |
| Philadelphia, PA | 35 | $ 2,399,000 | $ 68,542 | $ 93,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 35 | $ 9,759,000 | $ 278,828 | $ 105,000 |
| Colorado Springs, CO | 34 | $ 3,992,000 | $ 117,411 | $ 81,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 5,128,000 | $ 150,823 | $ 96,000 |
| Charlotte-Gastonia-Concord, NC-SC | 33 | $ 3,317,000 | $ 100,515 | $ 75,151 |
| Yuba City, CA | 31 | $ 5,010,000 | $ 161,612 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 30 | $ 3,268,000 | $ 108,933 | $ 92,000 |
| Bakersfield, CA | 29 | $ 3,795,000 | $ 130,862 | $ 86,000 |
| Akron, OH | 28 | $ 1,169,000 | $ 41,750 | $ 55,000 |
| Fort Worth-Arlington, TX | 28 | $ 3,002,000 | $ 107,214 | $ 59,000 |
| Kansas City, MO-KS | 28 | $ 1,379,000 | $ 49,250 | $ 70,571 |
| Tacoma, WA | 28 | $ 3,925,000 | $ 140,178 | $ 92,000 |
| Gary, IN | 27 | $ 1,956,000 | $ 72,444 | $ 49,000 |
| Lansing-East Lansing, MI | 27 | $ 2,249,000 | $ 83,296 | $ 56,000 |
| Greensboro-High Point, NC | 24 | $ 2,085,000 | $ 86,875 | $ 40,000 |
| Newark-Union, NJ-PA | 24 | $ 5,300,000 | $ 220,833 | $ 71,250 |
| Lafayette, IN | 23 | $ 2,171,000 | $ 94,391 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 8,931,000 | $ 388,304 | $ 120,000 |
| Charleston-North Charleston, SC | 22 | $ 1,828,000 | $ 83,090 | $ 86,000 |
| Milwaukee-Waukesha-West Allis, WI | 21 | $ 1,828,000 | $ 87,047 | $ 82,000 |
| Orlando-Kissimmee, FL | 21 | $ 2,696,000 | $ 128,380 | $ 50,000 |
| Fort Collins-Loveland, CO | 20 | $ 1,660,000 | $ 83,000 | $ 70,000 |
| Salem, OR | 20 | $ 2,516,000 | $ 125,800 | $ 108,000 |
| Olympia, WA | 19 | $ 3,646,000 | $ 191,894 | $ 102,000 |
| Richmond, VA | 19 | $ 2,367,000 | $ 124,578 | $ 65,000 |
| Stockton, CA | 19 | $ 5,665,000 | $ 298,157 | $ 87,000 |
| Columbia, SC | 17 | $ 1,272,000 | $ 74,823 | $ 34,000 |
| Provo-Orem, UT | 17 | $ 1,975,000 | $ 116,176 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 2,415,000 | $ 142,058 | $ 60,000 |
| Anderson, IN | 16 | $ 749,000 | $ 46,812 | $ 40,000 |
| Portland-South Portland-Biddeford, ME | 16 | $ 2,111,000 | $ 131,937 | $ 63,000 |
| Spokane, WA | 16 | $ 1,140,000 | $ 71,250 | $ 72,000 |
| Austin-Round Rock, TX | 15 | $ 2,336,000 | $ 155,733 | $ 95,000 |
| Dayton, OH | 15 | $ 1,111,000 | $ 74,066 | $ 41,000 |
| Lakeland, FL | 15 | $ 2,162,000 | $ 144,133 | $ 75,000 |
| Peoria, IL | 15 | $ 810,000 | $ 54,000 | $ 56,000 |
| Pittsburgh, PA | 15 | $ 1,007,000 | $ 67,133 | $ 79,000 |
| Louisville-Jefferson County, KY-IN | 14 | $ 1,040,000 | $ 74,285 | $ 55,857 |
| Toledo, OH | 14 | $ 730,000 | $ 52,142 | $ 56,000 |
| Albuquerque, NM | 13 | $ 1,267,000 | $ 97,461 | $ 112,000 |
| Grand Junction, CO | 13 | $ 1,597,000 | $ 122,846 | $ 70,000 |
| Oakland-Fremont-Hayward, CA | 13 | $ 3,869,000 | $ 297,615 | $ 102,000 |
| Appleton, WI | 12 | $ 1,344,000 | $ 112,000 | $ 471,000 |
| Battle Creek, MI | 12 | $ 1,124,000 | $ 93,666 | $ 90,000 |
| Elkhart-Goshen, IN | 12 | $ 981,000 | $ 81,750 | $ 39,000 |
| Evansville, IN-KY | 12 | $ 870,000 | $ 72,500 | $ 44,000 |
| Flagstaff, AZ | 12 | $ 567,000 | $ 47,250 | $ 75,000 |
| Greenville, SC | 12 | $ 1,034,000 | $ 86,166 | $ 29,000 |
| Harrisburg-Carlisle, PA | 12 | $ 685,000 | $ 57,083 | $ 54,000 |
| Jacksonville, FL | 12 | $ 1,083,000 | $ 90,250 | $ 67,000 |
| Bloomington, IN | 11 | $ 711,000 | $ 64,636 | $ 75,000 |
| Boston-Quincy, MA | 11 | $ 2,302,000 | $ 209,272 | $ 50,000 |
| Michigan City-La Porte, IN | 11 | $ 1,156,000 | $ 105,090 | $ 58,000 |
| Ocala, FL | 11 | $ 813,000 | $ 73,909 | $ 32,000 |
| Ogden-Clearfield, UT | 11 | $ 1,116,000 | $ 101,454 | $ 44,000 |
| Port St. Lucie-Fort Pierce, FL | 11 | $ 1,426,000 | $ 129,636 | $ 39,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 11 | $ 2,046,000 | $ 186,000 | $ 37,000 |
| Savannah, GA | 11 | $ 1,233,000 | $ 112,090 | $ 65,000 |
| Springfield, MO | 11 | $ 884,000 | $ 80,363 | $ 173,000 |
| Bay City, MI | 10 | $ 713,000 | $ 71,300 | $ 60,000 |
| Brownsville-Harlingen, TX | 10 | $ 1,296,000 | $ 129,600 | $ 58,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,218,000 | $ 221,800 | $ 150,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,233,000 | $ 123,300 | $ 71,000 |
| Durham, NC | 10 | $ 1,262,000 | $ 126,200 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,772,000 | $ 277,200 | $ 125,000 |
| Huntsville, AL | 10 | $ 857,000 | $ 85,700 | $ 55,000 |
| Little Rock-North Little Rock, AR | 10 | $ 1,393,000 | $ 139,300 | $ 83,000 |
| Macon, GA | 10 | $ 915,000 | $ 91,500 | $ 50,000 |
| Saginaw-Saginaw Township North, MI | 10 | $ 820,000 | $ 82,000 | $ 43,000 |
| Shreveport-Bossier City, LA | 10 | $ 1,070,000 | $ 107,000 | $ 57,000 |
| Winston-Salem, NC | 10 | $ 969,000 | $ 96,900 | $ 36,000 |
| Birmingham-Hoover, AL | 9 | $ 575,000 | $ 63,888 | $ 19,000 |
| Boise City-Nampa, ID | 9 | $ 1,028,000 | $ 114,222 | $ 77,000 |
| Dallas-Plano-Irving, TX | 9 | $ 617,000 | $ 68,555 | $ 29,000 |
| Fayetteville, NC | 9 | $ 997,000 | $ 110,777 | $ 32,000 |
| Flint, MI | 9 | $ 706,000 | $ 78,444 | $ 70,000 |
| Manchester-Nashua, NH | 9 | $ 1,397,000 | $ 155,222 | $ 75,000 |
| Niles-Benton Harbor, MI | 9 | $ 526,000 | $ 58,444 | $ 69,000 |
| Rockford, IL | 9 | $ 522,000 | $ 58,000 | $ 31,000 |
| Rockingham County-Strafford County, NH | 9 | $ 987,000 | $ 109,666 | $ 56,000 |
| Wilmington, NC | 9 | $ 1,057,000 | $ 117,444 | $ 47,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,149,000 | $ 143,625 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 476,000 | $ 59,500 | $ 15,000 |
| Canton-Massillon, OH | 8 | $ 665,000 | $ 83,125 | $ 69,000 |
| Chico, CA | 8 | $ 1,203,000 | $ 150,375 | $ 16,000 |
| El Paso, TX | 8 | $ 686,000 | $ 85,750 | $ 82,000 |
| Eugene-Springfield, OR | 8 | $ 846,000 | $ 105,750 | $ 58,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,866,000 | $ 233,250 | $ 147,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,222,000 | $ 152,750 | $ 16,000 |
| Prescott, AZ | 8 | $ 1,150,000 | $ 143,750 | $ 19,000 |
| Redding, CA | 8 | $ 1,795,000 | $ 224,375 | $ 68,000 |
| Reno-Sparks, NV | 8 | $ 544,000 | $ 68,000 | $ 222,000 |
| Scranton--Wilkes-Barre, PA | 8 | $ 551,000 | $ 68,875 | $ 48,000 |
| Visalia-Porterville, CA | 8 | $ 1,277,000 | $ 159,625 | $ 30,000 |
| Boulder, CO | 7 | $ 668,000 | $ 95,428 | $ 35,000 |
| Burlington, NC | 7 | $ 687,000 | $ 98,142 | $ 43,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 1,418,000 | $ 202,571 | $ 87,000 |
| Montgomery, AL | 7 | $ 758,000 | $ 108,285 | $ 61,000 |
| Muncie, IN | 7 | $ 647,000 | $ 92,428 | $ 95,000 |
| Coeur D'Alene, ID | 6 | $ 649,000 | $ 108,166 | $ 60,000 |
| Elizabethtown, KY | 6 | $ 607,000 | $ 101,166 | $ 19,000 |
| Gainesville, GA | 6 | $ 317,000 | $ 52,833 | $ 44,000 |
| Hanford-Corcoran, CA | 6 | $ 501,000 | $ 83,500 | $ 31,000 |
| Lexington-Fayette, KY | 6 | $ 771,000 | $ 128,500 | $ 78,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 621,000 | $ 103,500 | $ 69,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 686,000 | $ 114,333 | $ 108,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,616,000 | $ 269,333 | $ 112,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 861,000 | $ 143,500 | $ 60,000 |
| Sandusky, OH | 6 | $ 288,000 | $ 48,000 | $ 70,000 |
| Baton Rouge, LA | 5 | $ 373,000 | $ 74,600 | $ 72,000 |
| Green Bay, WI | 5 | $ 209,000 | $ 41,800 | $ 90,000 |
| Holland-Grand Haven, MI | 5 | $ 401,000 | $ 80,200 | $ 44,000 |
| Honolulu, HI | 5 | $ 1,463,000 | $ 292,600 | $ 90,000 |
| Jefferson City, MO | 5 | $ 132,000 | $ 26,400 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 375,000 | $ 75,000 | $ 48,000 |
| Lancaster, PA | 5 | $ 418,000 | $ 83,600 | $ 90,000 |
| Muskegon-Norton Shores, MI | 5 | $ 506,000 | $ 101,200 | $ 112,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 503,000 | $ 100,600 | $ 40,000 |
| Tulsa, OK | 5 | $ 488,000 | $ 97,600 | $ 33,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 729,000 | $ 145,800 | $ 85,000 |
| York-Hanover, PA | 5 | $ 456,000 | $ 91,200 | $ 75,000 |
| Ann Arbor, MI | 4 | $ 421,000 | $ 105,250 | $ 67,000 |
| Camden, NJ | 4 | $ 383,000 | $ 95,750 | $ 101,000 |
| Columbia, MO | 4 | $ 265,000 | $ 66,250 | $ 57,000 |
| Hattiesburg, MS | 4 | $ 190,000 | $ 47,500 | $ 300,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 807,000 | $ 201,750 | $ 26,000 |
| Modesto, CA | 4 | $ 1,540,000 | $ 385,000 | $ 150,000 |
| New Haven-Milford, CT | 4 | $ 955,000 | $ 238,750 | $ 121,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 626,000 | $ 156,500 | $ 129,000 |
| Rochester, MN | 4 | $ 324,000 | $ 81,000 | $ 39,000 |
| Rocky Mount, NC | 4 | $ 346,000 | $ 86,500 | $ 41,000 |
| St. George, UT | 4 | $ 418,000 | $ 104,500 | $ 93,000 |
| Tallahassee, FL | 4 | $ 554,000 | $ 138,500 | $ 56,000 |
| Terre Haute, IN | 4 | $ 111,000 | $ 27,750 | $ 30,000 |
| Valdosta, GA | 4 | $ 256,000 | $ 64,000 | $ 64,000 |
| Warner Robins, GA | 4 | $ 310,000 | $ 77,500 | $ 84,000 |
| Winchester, VA-WV | 4 | $ 416,000 | $ 104,000 | $ 66,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 220,000 | $ 55,000 | $ 24,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 194,000 | $ 64,666 | $ 0 |
| Buffalo-Niagara Falls, NY | 3 | $ 248,000 | $ 82,666 | $ 50,000 |
| Columbus, IN | 3 | $ 200,000 | $ 66,666 | $ 38,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 270,000 | $ 90,000 | $ 18,000 |
| Hot Springs, AR | 3 | $ 151,000 | $ 50,333 | $ 31,000 |
| Jackson, MI | 3 | $ 185,000 | $ 61,666 | $ 45,000 |
| Knoxville, TN | 3 | $ 263,000 | $ 87,666 | $ 29,000 |
| Lincoln, NE | 3 | $ 197,000 | $ 65,666 | $ 199,000 |
| Memphis, TN-MS-AR | 3 | $ 252,000 | $ 84,000 | $ 92,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 813,000 | $ 271,000 | $ 92,000 |
| Springfield, MA | 3 | $ 389,000 | $ 129,666 | $ 0 |
| Trenton-Ewing, NJ | 3 | $ 361,000 | $ 120,333 | $ 74,000 |
| Anchorage, AK | 2 | $ 517,000 | $ 258,500 | $ 69,000 |
| Anderson, SC | 2 | $ 106,000 | $ 53,000 | $ 28,000 |
| Asheville, NC | 2 | $ 194,000 | $ 97,000 | $ 39,000 |
| Atlantic City, NJ | 2 | $ 1,283,000 | $ 641,500 | $ 984,000 |
| Auburn-Opelika, AL | 2 | $ 156,000 | $ 78,000 | $ 166,000 |
| Binghamton, NY | 2 | $ 80,000 | $ 40,000 | $ 44,000 |
| Bloomington-Normal, IL | 2 | $ 66,000 | $ 33,000 | $ 92,000 |
| Bremerton-Silverdale, WA | 2 | $ 420,000 | $ 210,000 | $ 302,000 |
| Casper, WY | 2 | $ 338,000 | $ 169,000 | $ 108,000 |
| Chattanooga, TN-GA | 2 | $ 207,000 | $ 103,500 | $ 44,000 |
| Clarksville, TN-KY | 2 | $ 143,000 | $ 71,500 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 38,000 | $ 19,000 | $ 73,000 |
| Essex County, MA | 2 | $ 390,000 | $ 195,000 | $ 91,000 |
| Goldsboro, NC | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Harrisonburg, VA | 2 | $ 32,000 | $ 16,000 | $ 80,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 215,000 | $ 107,500 | $ 50,500 |
| Kankakee-Bradley, IL | 2 | $ 74,000 | $ 37,000 | $ 100,000 |
| Kokomo, IN | 2 | $ 602,000 | $ 301,000 | $ 151,000 |
| Lawrence, KS | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 195,000 | $ 97,500 | $ 150,000 |
| Logan, UT-ID | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Madera, CA | 2 | $ 308,000 | $ 154,000 | $ 138,000 |
| Medford, OR | 2 | $ 250,000 | $ 125,000 | $ 156,000 |
| Monroe, MI | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Mount Vernon-Anacortes, WA | 2 | $ 102,000 | $ 51,000 | $ 43,000 |
| Napa, CA | 2 | $ 214,000 | $ 107,000 | $ 55,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 280,000 | $ 140,000 | $ 56,500 |
| Owensboro, KY | 2 | $ 102,000 | $ 51,000 | $ 23,000 |
| Pocatello, ID | 2 | $ 86,000 | $ 43,000 | $ 32,000 |
| Racine, WI | 2 | $ 167,000 | $ 83,500 | $ 95,000 |
| Reading, PA | 2 | $ 189,000 | $ 94,500 | $ 36,000 |
| Rome, GA | 2 | $ 119,000 | $ 59,500 | $ 144,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 558,000 | $ 279,000 | $ 98,000 |
| Sioux Falls, SD | 2 | $ 410,000 | $ 205,000 | $ 115,000 |
| St. Joseph, MO-KS | 2 | $ 93,000 | $ 46,500 | $ 82,000 |
| Vallejo-Fairfield, CA | 2 | $ 786,000 | $ 393,000 | $ 139,000 |
| Wichita, KS | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 334,000 | $ 167,000 | $ 60,000 |
| Amarillo, TX | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Bangor, ME | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Bellingham, WA | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 99,000 | $ 99,000 | $ 17,000 |
| Bowling Green, KY | 1 | $ 89,000 | $ 89,000 | $ 37,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Carson City, NV | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Champaign-Urbana, IL | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Charlottesville, VA | 1 | $ 24,000 | $ 24,000 | $ 36,000 |
| Cheyenne, WY | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| College Station-Bryan, TX | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 287,000 | $ 287,000 | $ 425,000 |
| Cumberland, MD-WV | 1 | $ 38,000 | $ 38,000 | $ 67,000 |
| Decatur, IL | 1 | $ 18,000 | $ 18,000 | $ 78,000 |
| Dover, DE | 1 | $ 151,000 | $ 151,000 | $ 44,000 |
| Elmira, NY | 1 | $ 60,000 | $ 60,000 | $ 68,000 |
| Erie, PA | 1 | $ 34,000 | $ 34,000 | $ 98,000 |
| Farmington, NM | 1 | $ 134,000 | $ 134,000 | $ 114,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Gainesville, FL | 1 | $ 71,000 | $ 71,000 | $ 32,000 |
| Great Falls, MT | 1 | $ 74,000 | $ 74,000 | $ 65,000 |
| Greenville, NC | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Johnson City, TN | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 120,000 | $ 120,000 | $ 46,000 |
| Kingston, NY | 1 | $ 196,000 | $ 196,000 | $ 71,000 |
| Lawton, OK | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Lima, OH | 1 | $ 23,000 | $ 23,000 | $ 44,000 |
| Longview, TX | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Longview, WA | 1 | $ 124,000 | $ 124,000 | $ 78,000 |
| Merced, CA | 1 | $ 192,000 | $ 192,000 | $ 101,000 |
| Missoula, MT | 1 | $ 13,000 | $ 13,000 | $ 60,000 |
| Morristown, TN | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Naples-Marco Island, FL | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Norwich-New London, CT | 1 | $ 159,000 | $ 159,000 | $ 42,000 |
| Oshkosh-Neenah, WI | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 247,000 | $ 247,000 | $ 370,000 |
| Punta Gorda, FL | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Salinas, CA | 1 | $ 400,000 | $ 400,000 | $ 140,000 |
| San Angelo, TX | 1 | $ 129,000 | $ 129,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 358,000 | $ 358,000 | $ 143,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 240,000 |
| Santa Fe, NM | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Sheboygan, WI | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Spartanburg, SC | 1 | $ 88,000 | $ 88,000 | $ 22,000 |
| Springfield, IL | 1 | $ 54,000 | $ 54,000 | $ 28,000 |
| Springfield, OH | 1 | $ 50,000 | $ 50,000 | $ 29,000 |
| State College, PA | 1 | $ 50,000 | $ 50,000 | $ 93,000 |
| Topeka, KS | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Waco, TX | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Wenatchee, WA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 74,000 | $ 74,000 | $ 220,000 |
| Worcester, MA | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Yuma, AZ | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Union Federal C/O Sky Bank in 2006
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 | 3,375 | $448,496,000 | $132,000 | $1,500,000 | $70,000 | $1,800,000 |
| Refinancing | 2,346 | $295,449,000 | $125,000 | $1,900,000 | $73,000 | $1,236,000 |
| Home Improvement | 1,304 | $63,688,000 | $48,000 | $1,800,000 | $81,000 | $1,324,000 |
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 | 3,863 | $460,450,000 | $119,000 | $1,845,000 | $74,000 | $1,800,000 |
| Not Provided | 1,226 | $93,749,000 | $76,000 | $1,900,000 | $73,000 | $1,324,000 |
| Black or African American | 736 | $78,526,000 | $106,000 | $1,625,000 | $76,000 | $1,236,000 |
| Hispanic | 541 | $71,619,000 | $132,000 | $906,000 | $52,000 | $538,000 |
| Not applicable | 514 | $80,684,000 | $156,000 | $1,075,000 | $84,000 | $566,000 |
| Asian | 110 | $18,444,000 | $167,000 | $1,000,000 | $81,000 | $360,000 |
| American Indian or Alaskan Native | 20 | $2,099,000 | $104,000 | $368,000 | $67,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $2,062,000 | $137,000 | $564,000 | $101,000 | $302,000 |
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) | 5,971 | $679,102,000 | $113,000 | $1,900,000 | $79,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 868 | $102,556,000 | $118,000 | $318,000 | $39,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 186 | $25,975,000 | $139,000 | $360,000 | $38,000 | $125,000 |
| 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 | 2,652 | $263,861,000 | $99,000 | $1,500,000 | $77,000 | $1,324,000 |
| Application Denied By Financial Institution | 1,596 | $174,327,000 | $109,000 | $1,900,000 | $73,000 | $1,236,000 |
| Application Approved But Not Accepted | 1,355 | $177,991,000 | $131,000 | $1,235,000 | $75,000 | $1,800,000 |
| Application Withdrawn By Applicant | 837 | $101,619,000 | $121,000 | $1,000,000 | $53,000 | $1,200,000 |
| Loan Purchased By The Institution | 519 | $81,639,000 | $157,000 | $1,075,000 | $84,000 | $566,000 |
| File Closed For Incompleteness | 45 | $5,475,000 | $121,000 | $324,000 | $46,000 | $260,000 |
| Preapproval Denied by Financial Institution | 21 | $2,721,000 | $129,000 | $190,000 | $37,000 | $150,000 |
| 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 | 589 | $52,631,000 | $89,000 | $1,800,000 | $59,000 | $780,000 |
| Debt-To-Income Ratio | 364 | $32,971,000 | $90,000 | $650,000 | $54,000 | $420,000 |
| Other | 343 | $48,941,000 | $142,000 | $1,900,000 | $84,000 | $750,000 |
| Collateral | 204 | $24,390,000 | $119,000 | $1,000,000 | $107,000 | $550,000 |
| Unverifiable Information | 72 | $11,702,000 | $162,000 | $1,625,000 | $132,000 | $1,236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $3,207,000 | $133,000 | $636,000 | $87,000 | $1,147,000 |
| Employment History | 21 | $3,206,000 | $152,000 | $900,000 | $60,000 | $404,000 |
| 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 2006 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.
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