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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Indianapolis, IN | 3,212 | $ 380,554,000 | $ 118,478 | $ 45,000 |
| Phoenix-Mesa, AZ | 2,880 | $ 432,498,000 | $ 150,172 | $ 41,000 |
| Columbus, OH | 2,465 | $ 363,702,000 | $ 147,546 | $ 47,000 |
| Oakland, CA | 2,340 | $ 598,992,000 | $ 255,979 | $ 74,000 |
| Los Angeles-Long Beach, CA | 1,953 | $ 433,237,000 | $ 221,831 | $ 56,000 |
| Denver, CO | 1,845 | $ 324,960,000 | $ 176,130 | $ 47,000 |
| Fort Wayne, IN | 1,840 | $ 188,726,000 | $ 102,568 | $ 34,000 |
| Seattle-Bellevue-Everett, WA | 1,825 | $ 419,375,000 | $ 229,794 | $ 60,000 |
| Riverside-San Bernardino, CA | 1,780 | $ 294,332,000 | $ 165,355 | $ 51,000 |
| Las Vegas, NV-AZ | 1,710 | $ 254,736,000 | $ 148,968 | $ 54,000 |
| Kalamazoo-Battle Creek, MI | 1,626 | $ 182,541,000 | $ 112,263 | $ 41,000 |
| Chicago, IL | 1,393 | $ 234,787,000 | $ 168,547 | $ 47,000 |
| Orange County, CA | 1,374 | $ 365,669,000 | $ 266,134 | $ 79,000 |
| Fort Worth-Arlington, TX | 1,258 | $ 146,466,000 | $ 116,427 | $ 37,000 |
| Nassau-Suffolk, NY | 1,245 | $ 290,599,000 | $ 233,412 | $ 70,000 |
| Saginaw-Bay City-Midland, MI | 1,237 | $ 121,472,000 | $ 98,198 | $ 34,000 |
| Houston, TX | 1,211 | $ 170,819,000 | $ 141,056 | $ 50,000 |
| Baltimore, MD | 1,136 | $ 178,740,000 | $ 157,341 | $ 47,000 |
| San Antonio, TX | 1,049 | $ 107,455,000 | $ 102,435 | $ 46,000 |
| Grand Rapids-Muskegon-Holland, MI | 981 | $ 101,274,000 | $ 103,235 | $ 32,000 |
| Detroit, MI | 939 | $ 115,544,000 | $ 123,050 | $ 39,000 |
| Oklahoma City, OK | 875 | $ 107,735,000 | $ 123,125 | $ 50,000 |
| San Diego, CA | 834 | $ 208,696,000 | $ 250,235 | $ 108,000 |
| Portland-Vancouver, OR-WA | 804 | $ 124,150,000 | $ 154,415 | $ 40,000 |
| Raleigh-Durham-Chapel Hill, NC | 738 | $ 112,366,000 | $ 152,257 | $ 49,000 |
| Kansas City, MO-KS | 723 | $ 78,085,000 | $ 108,001 | $ 54,000 |
| Yuba City, CA | 687 | $ 99,975,000 | $ 145,524 | $ 50,000 |
| South Bend, IN | 677 | $ 61,894,000 | $ 91,423 | $ 33,000 |
| Fresno, CA | 668 | $ 100,634,000 | $ 150,649 | $ 53,000 |
| Lansing-East Lansing, MI | 653 | $ 73,065,000 | $ 111,891 | $ 38,000 |
| Greeley, CO | 651 | $ 97,001,000 | $ 149,003 | $ 44,000 |
| Monmouth-Ocean, NJ | 585 | $ 115,337,000 | $ 197,157 | $ 66,000 |
| Atlanta, GA | 558 | $ 71,404,000 | $ 127,964 | $ 29,000 |
| Cleveland-Lorain-Elyria, OH | 552 | $ 62,970,000 | $ 114,076 | $ 42,000 |
| Colorado Springs, CO | 550 | $ 83,565,000 | $ 151,936 | $ 50,000 |
| New York, NY | 543 | $ 127,599,000 | $ 234,988 | $ 60,000 |
| Dallas, TX | 505 | $ 66,200,000 | $ 131,089 | $ 71,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 498 | $ 62,416,000 | $ 125,333 | $ 37,000 |
| Tucson, AZ | 481 | $ 60,741,000 | $ 126,280 | $ 43,000 |
| Middlesex-Somerset-Hunterdon, NJ | 471 | $ 92,776,000 | $ 196,976 | $ 68,000 |
| Sacramento, CA | 460 | $ 94,415,000 | $ 205,250 | $ 73,000 |
| Bakersfield, CA | 454 | $ 57,344,000 | $ 126,308 | $ 56,000 |
| Cincinnati, OH-KY-IN | 366 | $ 52,343,000 | $ 143,013 | $ 48,000 |
| Greensboro--Winston-Salem--High Point, NC | 360 | $ 40,742,000 | $ 113,172 | $ 44,000 |
| Philadelphia, PA-NJ | 343 | $ 53,228,000 | $ 155,183 | $ 53,000 |
| Brownsville-Harlingen-San Benito, TX | 339 | $ 34,260,000 | $ 101,061 | $ 52,000 |
| Elkhart-Goshen, IN | 333 | $ 34,271,000 | $ 102,915 | $ 37,000 |
| San Francisco, CA | 331 | $ 100,396,000 | $ 303,311 | $ 106,000 |
| Orlando, FL | 311 | $ 38,026,000 | $ 122,270 | $ 32,000 |
| Tampa-St. Petersburg-Clearwater, FL | 309 | $ 35,581,000 | $ 115,148 | $ 35,000 |
| Tulsa, OK | 309 | $ 47,312,000 | $ 153,113 | $ 60,000 |
| Akron, OH | 306 | $ 34,005,000 | $ 111,127 | $ 36,000 |
| Lafayette, IN | 274 | $ 32,704,000 | $ 119,357 | $ 39,000 |
| Portland, ME | 265 | $ 51,556,000 | $ 194,550 | $ 44,000 |
| Tacoma, WA | 263 | $ 44,986,000 | $ 171,049 | $ 36,000 |
| Charleston-North Charleston, SC | 257 | $ 35,656,000 | $ 138,739 | $ 41,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 242 | $ 28,702,000 | $ 118,603 | $ 33,000 |
| Hamilton-Middletown, OH | 241 | $ 31,399,000 | $ 130,286 | $ 47,000 |
| Newark, NJ | 240 | $ 50,404,000 | $ 210,016 | $ 61,000 |
| Stockton-Lodi, CA | 236 | $ 48,189,000 | $ 204,190 | $ 67,000 |
| San Jose, CA | 216 | $ 59,182,000 | $ 273,990 | $ 78,000 |
| Columbia, SC | 207 | $ 22,353,000 | $ 107,985 | $ 32,000 |
| Vallejo-Fairfield-Napa, CA | 206 | $ 47,588,000 | $ 231,009 | $ 84,000 |
| Jacksonville, FL | 199 | $ 20,431,000 | $ 102,668 | $ 36,000 |
| Minneapolis-St. Paul, MN-WI | 188 | $ 28,386,000 | $ 150,989 | $ 52,000 |
| Fort Lauderdale, FL | 179 | $ 23,718,000 | $ 132,502 | $ 40,000 |
| Greenville-Spartanburg-Anderson, SC | 169 | $ 17,977,000 | $ 106,372 | $ 45,000 |
| Dayton-Springfield, OH | 166 | $ 19,964,000 | $ 120,265 | $ 39,000 |
| West Palm Beach-Boca Raton, FL | 166 | $ 22,610,000 | $ 136,204 | $ 53,000 |
| St. Louis, MO-IL | 159 | $ 24,323,000 | $ 152,974 | $ 44,000 |
| Pensacola, FL | 158 | $ 16,019,000 | $ 101,386 | $ 27,000 |
| Richmond-Petersburg, VA | 155 | $ 18,229,000 | $ 117,606 | $ 48,000 |
| Fort Collins-Loveland, CO | 152 | $ 22,909,000 | $ 150,717 | $ 49,000 |
| Wichita, KS | 151 | $ 14,473,000 | $ 95,847 | $ 57,000 |
| Ventura, CA | 148 | $ 38,350,000 | $ 259,121 | $ 184,000 |
| Little Rock-North Little Rock, AR | 146 | $ 15,820,000 | $ 108,356 | $ 38,000 |
| Jackson, MI | 143 | $ 14,665,000 | $ 102,552 | $ 35,000 |
| Boulder-Longmont, CO | 141 | $ 25,107,000 | $ 178,063 | $ 39,000 |
| Omaha, NE-IA | 141 | $ 19,893,000 | $ 141,085 | $ 66,000 |
| Gary, IN | 132 | $ 12,715,000 | $ 96,325 | $ 44,000 |
| Salt Lake City-Ogden, UT | 132 | $ 19,219,000 | $ 145,598 | $ 51,000 |
| Newburgh, NY-PA | 130 | $ 21,042,000 | $ 161,861 | $ 51,000 |
| Lakeland-Winter Haven, FL | 129 | $ 16,522,000 | $ 128,077 | $ 28,000 |
| Visalia-Tulare-Porterville, CA | 126 | $ 17,094,000 | $ 135,666 | $ 52,000 |
| Boston, MA-NH | 124 | $ 29,080,000 | $ 234,516 | $ 65,000 |
| Pittsburgh, PA | 120 | $ 13,275,000 | $ 110,625 | $ 52,000 |
| Benton Harbor, MI | 117 | $ 11,995,000 | $ 102,521 | $ 36,000 |
| Harrisburg-Lebanon-Carlisle, PA | 114 | $ 12,347,000 | $ 108,307 | $ 35,000 |
| Canton-Massillon, OH | 113 | $ 12,187,000 | $ 107,849 | $ 37,000 |
| Galveston-Texas City, TX | 110 | $ 12,825,000 | $ 116,590 | $ 41,000 |
| Miami, FL | 110 | $ 14,579,000 | $ 132,536 | $ 138,000 |
| Anchorage, AK | 107 | $ 16,977,000 | $ 158,663 | $ 6,000 |
| Ocala, FL | 105 | $ 10,410,000 | $ 99,142 | $ 34,000 |
| Daytona Beach, FL | 104 | $ 11,421,000 | $ 109,817 | $ 41,000 |
| Melbourne-Titusville-Palm Bay, FL | 101 | $ 10,344,000 | $ 102,415 | $ 31,000 |
| McAllen-Edinburg-Mission, TX | 100 | $ 11,088,000 | $ 110,880 | $ 46,000 |
| Lincoln, NE | 97 | $ 9,970,000 | $ 102,783 | $ 54,000 |
| Brazoria, TX | 92 | $ 10,988,000 | $ 119,434 | $ 57,000 |
| Fort Myers-Cape Coral, FL | 91 | $ 13,024,000 | $ 143,120 | $ 41,000 |
| Modesto, CA | 86 | $ 16,073,000 | $ 186,895 | $ 64,000 |
| Ann Arbor, MI | 83 | $ 13,564,000 | $ 163,421 | $ 48,000 |
| Memphis, TN-AR-MS | 83 | $ 9,590,000 | $ 115,542 | $ 35,000 |
| Albuquerque, NM | 82 | $ 10,078,000 | $ 122,902 | $ 26,000 |
| Nashville, TN | 80 | $ 9,130,000 | $ 114,125 | $ 23,000 |
| York, PA | 80 | $ 10,375,000 | $ 129,687 | $ 42,000 |
| Youngstown-Warren, OH | 78 | $ 6,895,000 | $ 88,397 | $ 45,000 |
| Columbia, MO | 77 | $ 8,080,000 | $ 104,935 | $ 38,000 |
| Shreveport-Bossier City, LA | 77 | $ 8,435,000 | $ 109,545 | $ 48,000 |
| Des Moines, IA | 76 | $ 9,592,000 | $ 126,210 | $ 49,000 |
| Washington, DC-MD-VA-WV | 76 | $ 14,618,000 | $ 192,342 | $ 64,000 |
| Santa Rosa, CA | 74 | $ 17,843,000 | $ 241,121 | $ 61,000 |
| Toledo, OH | 72 | $ 7,874,000 | $ 109,361 | $ 31,000 |
| Savannah, GA | 71 | $ 9,500,000 | $ 133,802 | $ 39,000 |
| Bergen-Passaic, NJ | 68 | $ 14,206,000 | $ 208,911 | $ 59,000 |
| Kokomo, IN | 68 | $ 6,752,000 | $ 99,294 | $ 35,000 |
| Allentown-Bethlehem-Easton, PA | 67 | $ 7,419,000 | $ 110,731 | $ 40,000 |
| Austin-San Marcos, TX | 67 | $ 8,183,000 | $ 122,134 | $ 37,000 |
| Hartford, CT | 66 | $ 9,500,000 | $ 143,939 | $ 49,000 |
| Sarasota-Bradenton, FL | 66 | $ 11,474,000 | $ 173,848 | $ 60,000 |
| Cedar Rapids, IA | 63 | $ 6,260,000 | $ 99,365 | $ 44,000 |
| Myrtle Beach, SC | 63 | $ 8,069,000 | $ 128,079 | $ 81,000 |
| Richland-Kennewick-Pasco, WA | 63 | $ 7,524,000 | $ 119,428 | $ 73,000 |
| Flint, MI | 62 | $ 6,643,000 | $ 107,145 | $ 27,000 |
| Knoxville, TN | 62 | $ 7,804,000 | $ 125,870 | $ 34,000 |
| Montgomery, AL | 62 | $ 5,900,000 | $ 95,161 | $ 28,000 |
| Birmingham, AL | 61 | $ 5,420,000 | $ 88,852 | $ 39,000 |
| Louisville, KY-IN | 60 | $ 6,285,000 | $ 104,750 | $ 33,000 |
| Augusta-Aiken, GA-SC | 59 | $ 4,876,000 | $ 82,644 | $ 14,000 |
| New Haven-Meriden, CT | 59 | $ 9,452,000 | $ 160,203 | $ 94,000 |
| Salem, OR | 59 | $ 7,740,000 | $ 131,186 | $ 31,000 |
| Muncie, IN | 56 | $ 4,767,000 | $ 85,125 | $ 39,000 |
| Asheville, NC | 55 | $ 7,114,000 | $ 129,345 | $ 56,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 54 | $ 5,251,000 | $ 97,240 | $ 46,000 |
| Olympia, WA | 53 | $ 8,273,000 | $ 156,094 | $ 42,000 |
| Fort Walton Beach, FL | 52 | $ 4,799,000 | $ 92,288 | $ 13,000 |
| New Orleans, LA | 51 | $ 5,775,000 | $ 113,235 | $ 67,000 |
| Bloomington, IN | 48 | $ 5,891,000 | $ 122,729 | $ 42,000 |
| Bremerton, WA | 47 | $ 7,360,000 | $ 156,595 | $ 45,000 |
| Fayetteville, NC | 45 | $ 4,522,000 | $ 100,488 | $ 34,000 |
| Fort Pierce-Port St. Lucie, FL | 45 | $ 4,878,000 | $ 108,400 | $ 32,000 |
| Eugene-Springfield, OR | 44 | $ 5,563,000 | $ 126,431 | $ 32,000 |
| St. Joseph, MO | 44 | $ 4,336,000 | $ 98,545 | $ 44,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 43 | $ 10,029,000 | $ 233,232 | $ 102,000 |
| Spokane, WA | 42 | $ 6,234,000 | $ 148,428 | $ 43,000 |
| Jersey City, NJ | 41 | $ 7,395,000 | $ 180,365 | $ 47,000 |
| Lexington, KY | 41 | $ 3,977,000 | $ 97,000 | $ 39,000 |
| Chico-Paradise, CA | 40 | $ 4,988,000 | $ 124,700 | $ 52,000 |
| Wilmington, NC | 40 | $ 5,435,000 | $ 135,875 | $ 67,000 |
| Salinas, CA | 39 | $ 8,992,000 | $ 230,564 | $ 66,000 |
| Worcester, MA-CT | 39 | $ 6,249,000 | $ 160,230 | $ 55,000 |
| Springfield, MO | 38 | $ 3,568,000 | $ 93,894 | $ 31,000 |
| Providence-Fall River-Warwick, RI-MA | 37 | $ 5,757,000 | $ 155,594 | $ 30,000 |
| Reno, NV | 37 | $ 5,665,000 | $ 153,108 | $ 76,000 |
| Trenton, NJ | 37 | $ 5,423,000 | $ 146,567 | $ 56,000 |
| Jacksonville, NC | 36 | $ 3,594,000 | $ 99,833 | $ 33,000 |
| Hagerstown, MD | 35 | $ 5,250,000 | $ 150,000 | $ 35,000 |
| Evansville-Henderson, IN-KY | 33 | $ 2,623,000 | $ 79,484 | $ 56,000 |
| Lancaster, PA | 33 | $ 3,302,000 | $ 100,060 | $ 35,000 |
| Grand Junction, CO | 32 | $ 4,296,000 | $ 134,250 | $ 32,000 |
| Macon, GA | 32 | $ 3,390,000 | $ 105,937 | $ 23,000 |
| Manchester, NH | 32 | $ 6,917,000 | $ 216,156 | $ 58,000 |
| Milwaukee-Waukesha, WI | 32 | $ 3,987,000 | $ 124,593 | $ 47,000 |
| Santa Fe, NM | 32 | $ 5,776,000 | $ 180,500 | $ 56,000 |
| Pueblo, CO | 31 | $ 3,810,000 | $ 122,903 | $ 30,000 |
| Portsmouth-Rochester, NH-ME | 29 | $ 5,242,000 | $ 180,758 | $ 32,000 |
| Sherman-Denison, TX | 29 | $ 2,802,000 | $ 96,620 | $ 53,000 |
| Buffalo-Niagara Falls, NY | 28 | $ 2,343,000 | $ 83,678 | $ 33,000 |
| Merced, CA | 28 | $ 4,690,000 | $ 167,500 | $ 75,000 |
| Gainesville, FL | 27 | $ 2,835,000 | $ 105,000 | $ 34,000 |
| Honolulu, HI | 27 | $ 7,001,000 | $ 259,296 | $ 102,000 |
| Binghamton, NY | 26 | $ 1,707,000 | $ 65,653 | $ 51,000 |
| Medford-Ashland, OR | 26 | $ 3,634,000 | $ 139,769 | $ 24,000 |
| Santa Cruz-Watsonville, CA | 26 | $ 6,519,000 | $ 250,730 | $ 89,000 |
| El Paso, TX | 25 | $ 2,222,000 | $ 88,880 | $ 10,000 |
| Killeen-Temple, TX | 25 | $ 1,860,000 | $ 74,400 | $ 8,000 |
| Naples, FL | 25 | $ 5,209,000 | $ 208,360 | $ 94,000 |
| Topeka, KS | 25 | $ 1,864,000 | $ 74,560 | $ 31,000 |
| Yolo, CA | 25 | $ 4,839,000 | $ 193,560 | $ 58,000 |
| Baton Rouge, LA | 24 | $ 2,792,000 | $ 116,333 | $ 45,000 |
| Bridgeport, CT | 24 | $ 4,293,000 | $ 178,875 | $ 61,000 |
| Goldsboro, NC | 24 | $ 2,782,000 | $ 115,916 | $ 46,000 |
| Hickory-Morganton-Lenoir, NC | 24 | $ 2,205,000 | $ 91,875 | $ 32,000 |
| Panama City, FL | 24 | $ 2,330,000 | $ 97,083 | $ 40,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 24 | $ 5,027,000 | $ 209,458 | $ 58,000 |
| Columbus, GA-AL | 23 | $ 1,893,000 | $ 82,304 | $ 9,000 |
| Lewiston-Auburn, ME | 23 | $ 2,350,000 | $ 102,173 | $ 51,000 |
| Redding, CA | 23 | $ 3,311,000 | $ 143,956 | $ 63,000 |
| Rocky Mount, NC | 23 | $ 2,374,000 | $ 103,217 | $ 50,000 |
| Rochester, NY | 22 | $ 2,139,000 | $ 97,227 | $ 27,000 |
| Syracuse, NY | 22 | $ 1,666,000 | $ 75,727 | $ 21,000 |
| Reading, PA | 21 | $ 2,543,000 | $ 121,095 | $ 37,000 |
| Tallahassee, FL | 21 | $ 2,087,000 | $ 99,380 | $ 77,000 |
| Waterloo-Cedar Falls, IA | 21 | $ 2,025,000 | $ 96,428 | $ 49,000 |
| Biloxi-Gulfport-Pascagoula, MS | 20 | $ 1,954,000 | $ 97,700 | $ 38,000 |
| Nashua, NH | 20 | $ 3,469,000 | $ 173,450 | $ 33,000 |
| Provo-Orem, UT | 20 | $ 3,077,000 | $ 153,850 | $ 52,000 |
| Atlantic-Cape May, NJ | 19 | $ 2,708,000 | $ 142,526 | $ 62,000 |
| Boise City, ID | 19 | $ 2,553,000 | $ 134,368 | $ 63,000 |
| Punta Gorda, FL | 19 | $ 1,869,000 | $ 98,368 | $ 25,000 |
| Kankakee, IL | 18 | $ 1,963,000 | $ 109,055 | $ 42,000 |
| Springfield, MA | 18 | $ 2,220,000 | $ 123,333 | $ 32,000 |
| Terre Haute, IN | 18 | $ 1,576,000 | $ 87,555 | $ 33,000 |
| Wilmington-Newark, DE-MD | 18 | $ 3,175,000 | $ 176,388 | $ 75,000 |
| Yakima, WA | 18 | $ 2,109,000 | $ 117,166 | $ 10,000 |
| Corpus Christi, TX | 17 | $ 1,363,000 | $ 80,176 | $ 23,000 |
| Mansfield, OH | 17 | $ 1,616,000 | $ 95,058 | $ 48,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 1,960,000 | $ 122,500 | $ 64,000 |
| Brockton, MA | 16 | $ 3,132,000 | $ 195,750 | $ 45,000 |
| Kenosha, WI | 16 | $ 1,898,000 | $ 118,625 | $ 33,000 |
| Lawrence, MA-NH | 16 | $ 3,267,000 | $ 204,187 | $ 64,000 |
| Mobile, AL | 16 | $ 1,855,000 | $ 115,937 | $ 62,000 |
| Flagstaff, AZ-UT | 15 | $ 2,030,000 | $ 135,333 | $ 55,000 |
| Greenville, NC | 15 | $ 1,535,000 | $ 102,333 | $ 50,000 |
| Utica-Rome, NY | 15 | $ 1,336,000 | $ 89,066 | $ 31,000 |
| New Bedford, MA | 14 | $ 2,589,000 | $ 184,928 | $ 39,000 |
| Waterbury, CT | 14 | $ 1,983,000 | $ 141,642 | $ 42,000 |
| Florence, SC | 13 | $ 1,883,000 | $ 144,846 | $ 47,000 |
| Huntsville, AL | 13 | $ 1,080,000 | $ 83,076 | $ 35,000 |
| Lawrence, KS | 13 | $ 1,471,000 | $ 113,153 | $ 44,000 |
| Lima, OH | 13 | $ 1,418,000 | $ 109,076 | $ 47,000 |
| Sumter, SC | 13 | $ 1,265,000 | $ 97,307 | $ 16,000 |
| Danbury, CT | 12 | $ 1,951,000 | $ 162,583 | $ 66,000 |
| Iowa City, IA | 12 | $ 1,580,000 | $ 131,666 | $ 58,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 12 | $ 1,422,000 | $ 118,500 | $ 38,000 |
| Stamford-Norwalk, CT | 12 | $ 4,745,000 | $ 395,416 | $ 162,000 |
| Amarillo, TX | 11 | $ 922,000 | $ 83,818 | $ 22,000 |
| Beaumont-Port Arthur, TX | 11 | $ 669,000 | $ 60,818 | $ 21,000 |
| Erie, PA | 11 | $ 1,024,000 | $ 93,090 | $ 41,000 |
| Lake Charles, LA | 11 | $ 990,000 | $ 90,000 | $ 38,000 |
| Las Cruces, NM | 11 | $ 1,059,000 | $ 96,272 | $ 18,000 |
| Lawton, OK | 11 | $ 993,000 | $ 90,272 | $ 21,000 |
| Madison, WI | 11 | $ 2,686,000 | $ 244,181 | $ 41,000 |
| New London-Norwich, CT-RI | 11 | $ 1,384,000 | $ 125,818 | $ 38,000 |
| Pocatello, ID | 11 | $ 1,964,000 | $ 178,545 | $ 33,000 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 949,000 | $ 94,900 | $ 46,000 |
| Dothan, AL | 10 | $ 828,000 | $ 82,800 | $ 27,000 |
| Dover, DE | 10 | $ 1,253,000 | $ 125,300 | $ 31,000 |
| Dutchess County, NY | 10 | $ 2,361,000 | $ 236,100 | $ 69,000 |
| Jackson, MS | 10 | $ 1,149,000 | $ 114,900 | $ 50,000 |
| Laredo, TX | 10 | $ 1,119,000 | $ 111,900 | $ 86,000 |
| Appleton-Oshkosh-Neenah, WI | 9 | $ 1,085,000 | $ 120,555 | $ 46,000 |
| Barnstable-Yarmouth, MA | 9 | $ 3,090,000 | $ 343,333 | $ 65,000 |
| Chattanooga, TN-GA | 9 | $ 889,000 | $ 98,777 | $ 34,000 |
| Cheyenne, WY | 9 | $ 1,138,000 | $ 126,444 | $ 38,000 |
| Lafayette, LA | 9 | $ 984,000 | $ 109,333 | $ 31,000 |
| Lowell, MA-NH | 9 | $ 1,914,000 | $ 212,666 | $ 73,000 |
| Lubbock, TX | 9 | $ 918,000 | $ 102,000 | $ 20,000 |
| Missoula, MT | 9 | $ 1,290,000 | $ 143,333 | $ 37,000 |
| Roanoke, VA | 9 | $ 1,053,000 | $ 117,000 | $ 24,000 |
| Rockford, IL | 9 | $ 1,118,000 | $ 124,222 | $ 46,000 |
| Sharon, PA | 9 | $ 1,246,000 | $ 138,444 | $ 49,000 |
| Waco, TX | 9 | $ 1,223,000 | $ 135,888 | $ 46,000 |
| Clarksville-Hopkinsville, TN-KY | 8 | $ 710,000 | $ 88,750 | $ 40,000 |
| Fitchburg-Leominster, MA | 8 | $ 1,144,000 | $ 143,000 | $ 68,000 |
| Glens Falls, NY | 8 | $ 905,000 | $ 113,125 | $ 50,000 |
| Lynchburg, VA | 8 | $ 590,000 | $ 73,750 | $ 12,000 |
| Abilene, TX | 7 | $ 425,000 | $ 60,714 | $ 16,000 |
| Albany, GA | 7 | $ 506,000 | $ 72,285 | $ 28,000 |
| Champaign-Urbana, IL | 7 | $ 621,000 | $ 88,714 | $ 27,000 |
| Charleston, WV | 7 | $ 847,000 | $ 121,000 | $ 44,000 |
| Enid, OK | 7 | $ 979,000 | $ 139,857 | $ 50,000 |
| Athens, GA | 6 | $ 406,000 | $ 67,666 | $ 24,000 |
| Auburn-Opelika, AL | 6 | $ 561,000 | $ 93,500 | $ 11,000 |
| Bellingham, WA | 6 | $ 708,000 | $ 118,000 | $ 22,000 |
| Fayetteville-Springdale-Rogers, AR | 6 | $ 925,000 | $ 154,166 | $ 81,000 |
| Green Bay, WI | 6 | $ 500,000 | $ 83,333 | $ 57,000 |
| Johnstown, PA | 6 | $ 388,000 | $ 64,666 | $ 111,000 |
| Racine, WI | 6 | $ 542,000 | $ 90,333 | $ 32,000 |
| State College, PA | 6 | $ 617,000 | $ 102,833 | $ 64,000 |
| Tyler, TX | 6 | $ 458,000 | $ 76,333 | $ 45,000 |
| Corvallis, OR | 5 | $ 781,000 | $ 156,200 | $ 73,000 |
| Janesville-Beloit, WI | 5 | $ 437,000 | $ 87,400 | $ 46,000 |
| Owensboro, KY | 5 | $ 572,000 | $ 114,400 | $ 54,000 |
| Sioux City, IA-NE | 5 | $ 610,000 | $ 122,000 | $ 59,000 |
| Springfield, IL | 5 | $ 456,000 | $ 91,200 | $ 52,000 |
| Tuscaloosa, AL | 5 | $ 656,000 | $ 131,200 | $ 31,000 |
| Billings, MT | 4 | $ 431,000 | $ 107,750 | $ 30,000 |
| Burlington, VT | 4 | $ 984,000 | $ 246,000 | $ 32,000 |
| Charlottesville, VA | 4 | $ 578,000 | $ 144,500 | $ 68,000 |
| Fargo-Moorhead, ND-MN | 4 | $ 361,000 | $ 90,250 | $ 45,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 292,000 | $ 73,000 | $ 27,000 |
| Jamestown, NY | 4 | $ 273,000 | $ 68,250 | $ 15,000 |
| San Angelo, TX | 4 | $ 274,000 | $ 68,500 | $ 22,000 |
| Alexandria, LA | 3 | $ 215,000 | $ 71,666 | $ 39,000 |
| Anniston, AL | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Bloomington-Normal, IL | 3 | $ 355,000 | $ 118,333 | $ 34,000 |
| Casper, WY | 3 | $ 379,000 | $ 126,333 | $ 40,000 |
| Cumberland, MD-WV | 3 | $ 206,000 | $ 68,666 | $ 11,000 |
| Danville, VA | 3 | $ 223,000 | $ 74,333 | $ 64,000 |
| Decatur, IL | 3 | $ 349,000 | $ 116,333 | $ 54,000 |
| Gadsden, AL | 3 | $ 233,000 | $ 77,666 | $ 74,000 |
| Longview-Marshall, TX | 3 | $ 368,000 | $ 122,666 | $ 22,000 |
| Monroe, LA | 3 | $ 183,000 | $ 61,000 | $ 46,000 |
| Peoria-Pekin, IL | 3 | $ 190,000 | $ 63,333 | $ 29,000 |
| Rochester, MN | 3 | $ 367,000 | $ 122,333 | $ 18,000 |
| St. Cloud, MN | 3 | $ 376,000 | $ 125,333 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 278,000 | $ 92,666 | $ 41,000 |
| Wichita Falls, TX | 3 | $ 195,000 | $ 65,000 | $ 6,000 |
| Williamsport, PA | 3 | $ 418,000 | $ 139,333 | $ 43,000 |
| Yuma, AZ | 3 | $ 306,000 | $ 102,000 | $ 84,000 |
| Bangor, ME | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Bryan-College Station, TX | 2 | $ 117,000 | $ 58,500 | $ 87,000 |
| Decatur, AL | 2 | $ 122,000 | $ 61,000 | $ 47,000 |
| Eau Claire, WI | 2 | $ 265,000 | $ 132,500 | $ 82,000 |
| Fort Smith, AR-OK | 2 | $ 147,000 | $ 73,500 | $ 0 |
| Great Falls, MT | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Houma, LA | 2 | $ 198,000 | $ 99,000 | $ 51,000 |
| Jackson, TN | 2 | $ 179,000 | $ 89,500 | $ 21,000 |
| Jonesboro, AR | 2 | $ 216,000 | $ 108,000 | $ 19,000 |
| Joplin, MO | 2 | $ 314,000 | $ 157,000 | $ 40,000 |
| Odessa-Midland, TX | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Pine Bluff, AR | 2 | $ 65,000 | $ 32,500 | $ 8,000 |
| Pittsfield, MA | 2 | $ 587,000 | $ 293,500 | $ 0 |
| Sioux Falls, SD | 2 | $ 304,000 | $ 152,000 | $ 57,000 |
| Texarkana, TX-AR | 2 | $ 302,000 | $ 151,000 | $ 48,000 |
| Wausau, WI | 2 | $ 249,000 | $ 124,500 | $ 57,000 |
| Duluth-Superior, MN-WI | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Elmira, NY | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Florence, AL | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Grand Forks, ND-MN | 1 | $ 78,000 | $ 78,000 | $ 68,000 |
| La Crosse, WI-MN | 1 | $ 56,000 | $ 56,000 | $ 138,000 |
| Rapid City, SD | 1 | $ 98,000 | $ 98,000 | $ 51,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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