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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,717 | $ 349,932,000 | $ 94,143 | $ 56,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,419 | $ 381,778,000 | $ 157,824 | $ 47,000 |
| Houston-Baytown-Sugar Land, TX | 1,528 | $ 192,003,000 | $ 125,656 | $ 58,000 |
| Columbus, OH | 1,402 | $ 204,149,000 | $ 145,612 | $ 44,000 |
| Denver-Aurora, CO | 1,352 | $ 224,789,000 | $ 166,264 | $ 47,000 |
| Chicago-Naperville-Joliet, IL | 1,272 | $ 205,066,000 | $ 161,215 | $ 53,000 |
| San Antonio, TX | 1,253 | $ 133,037,000 | $ 106,174 | $ 44,000 |
| Oakland-Fremont-Hayward, CA | 1,231 | $ 354,509,000 | $ 287,984 | $ 91,000 |
| Las Vegas-Paradise, NV | 1,191 | $ 218,254,000 | $ 183,252 | $ 47,000 |
| Riverside-San Bernardino-Ontario, CA | 1,153 | $ 235,352,000 | $ 204,121 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 1,117 | $ 264,870,000 | $ 237,126 | $ 61,000 |
| Baltimore-Towson, MD | 1,099 | $ 199,893,000 | $ 181,886 | $ 53,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,084 | $ 282,400,000 | $ 260,516 | $ 60,000 |
| Fort Wayne, IN | 968 | $ 97,775,000 | $ 101,007 | $ 51,000 |
| Fort Worth-Arlington, TX | 965 | $ 103,867,000 | $ 107,634 | $ 37,000 |
| Bethesda-Frederick-Gaithersburg, MD | 954 | $ 207,312,000 | $ 217,308 | $ 52,000 |
| Nassau-Suffolk, NY | 913 | $ 236,600,000 | $ 259,145 | $ 60,000 |
| Kalamazoo-Portage, MI | 835 | $ 96,010,000 | $ 114,982 | $ 44,000 |
| Edison, NJ | 801 | $ 171,806,000 | $ 214,489 | $ 69,000 |
| Oklahoma City, OK | 675 | $ 75,657,000 | $ 112,084 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 636 | $ 96,001,000 | $ 150,944 | $ 55,000 |
| Santa Ana-Anaheim-Irvine, CA | 615 | $ 218,896,000 | $ 355,928 | $ 87,000 |
| Grand Rapids-Wyoming, MI | 569 | $ 58,258,000 | $ 102,386 | $ 41,000 |
| Yuba City, CA | 561 | $ 89,612,000 | $ 159,736 | $ 46,000 |
| Raleigh-Cary, NC | 523 | $ 76,934,000 | $ 147,101 | $ 44,000 |
| Detroit-Livonia-Dearborn, MI | 521 | $ 56,736,000 | $ 108,898 | $ 38,000 |
| Warren-Farmington Hills-Troy, MI | 509 | $ 69,620,000 | $ 136,777 | $ 48,000 |
| Fresno, CA | 493 | $ 82,943,000 | $ 168,241 | $ 65,000 |
| South Bend-Mishawaka, IN-MI | 483 | $ 52,661,000 | $ 109,028 | $ 39,000 |
| Greeley, CO | 478 | $ 70,380,000 | $ 147,238 | $ 48,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 474 | $ 111,560,000 | $ 235,358 | $ 76,000 |
| Portland-South Portland-Biddeford, ME | 463 | $ 88,553,000 | $ 191,259 | $ 45,000 |
| Colorado Springs, CO | 445 | $ 66,417,000 | $ 149,251 | $ 44,000 |
| Lansing-East Lansing, MI | 435 | $ 46,865,000 | $ 107,735 | $ 46,000 |
| Bakersfield, CA | 428 | $ 64,314,000 | $ 150,266 | $ 45,000 |
| Bay City, MI | 420 | $ 36,981,000 | $ 88,050 | $ 43,000 |
| Cleveland-Elyria-Mentor, OH | 415 | $ 45,481,000 | $ 109,592 | $ 44,000 |
| San Diego-Carlsbad-San Marcos, CA | 398 | $ 133,680,000 | $ 335,879 | $ 71,000 |
| Bend, OR | 381 | $ 56,978,000 | $ 149,548 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 381 | $ 52,325,000 | $ 137,335 | $ 38,000 |
| Dallas-Plano-Irving, TX | 363 | $ 45,004,000 | $ 123,977 | $ 54,000 |
| Atlanta-Sandy Springs-Marietta, GA | 358 | $ 48,703,000 | $ 136,041 | $ 32,000 |
| Cincinnati-Middletown, OH-KY-IN | 339 | $ 41,682,000 | $ 122,955 | $ 40,000 |
| Elkhart-Goshen, IN | 323 | $ 31,833,000 | $ 98,554 | $ 36,000 |
| New York-Wayne-White Plains, NY-NJ | 321 | $ 78,172,000 | $ 243,526 | $ 48,000 |
| Orlando, FL | 320 | $ 43,653,000 | $ 136,415 | $ 91,000 |
| Brownsville-Harlingen, TX | 312 | $ 31,995,000 | $ 102,548 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 276 | $ 35,666,000 | $ 129,224 | $ 38,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 271 | $ 34,912,000 | $ 128,826 | $ 27,000 |
| Tucson, AZ | 268 | $ 33,887,000 | $ 126,444 | $ 43,000 |
| Stockton, CA | 240 | $ 52,829,000 | $ 220,120 | $ 71,000 |
| Akron, OH | 238 | $ 24,113,000 | $ 101,315 | $ 37,000 |
| Richmond, VA | 233 | $ 27,314,000 | $ 117,227 | $ 31,000 |
| Battle Creek, MI | 221 | $ 21,024,000 | $ 95,131 | $ 41,000 |
| Salt Lake City, UT | 214 | $ 42,769,000 | $ 199,855 | $ 73,000 |
| Philadelphia, PA | 210 | $ 25,319,000 | $ 120,566 | $ 44,000 |
| Kansas City, MO-KS | 209 | $ 23,701,000 | $ 113,401 | $ 53,000 |
| Lafayette, IN | 207 | $ 24,178,000 | $ 116,801 | $ 48,000 |
| Fort Collins-Loveland, CO | 200 | $ 30,985,000 | $ 154,925 | $ 50,000 |
| Columbia, SC | 197 | $ 22,077,000 | $ 112,065 | $ 36,000 |
| Lakeland, FL | 194 | $ 27,988,000 | $ 144,268 | $ 33,000 |
| San Francisco-San Mateo-Redwood City, CA | 188 | $ 67,210,000 | $ 357,500 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 187 | $ 29,239,000 | $ 156,358 | $ 45,000 |
| McAllen-Edinburg-Pharr, TX | 182 | $ 18,227,000 | $ 100,148 | $ 49,000 |
| Lake County-Kenosha County, IL-WI | 180 | $ 29,449,000 | $ 163,605 | $ 51,000 |
| Saginaw-Saginaw Township North, MI | 180 | $ 15,863,000 | $ 88,127 | $ 27,000 |
| Little Rock-North Little Rock, AR | 171 | $ 18,001,000 | $ 105,269 | $ 45,000 |
| Gary, IN | 169 | $ 17,597,000 | $ 104,124 | $ 35,000 |
| Tacoma, WA | 169 | $ 27,654,000 | $ 163,633 | $ 47,000 |
| Durham, NC | 159 | $ 20,693,000 | $ 130,144 | $ 45,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 159 | $ 26,129,000 | $ 164,333 | $ 51,000 |
| Olympia, WA | 156 | $ 23,127,000 | $ 148,250 | $ 62,000 |
| Michigan City-La Porte, IN | 155 | $ 14,568,000 | $ 93,987 | $ 39,000 |
| Newark-Union, NJ-PA | 154 | $ 34,937,000 | $ 226,863 | $ 73,000 |
| Burlington, NC | 151 | $ 15,397,000 | $ 101,966 | $ 36,000 |
| Boston-Quincy, MA | 150 | $ 34,925,000 | $ 232,833 | $ 53,000 |
| Greensboro-High Point, NC | 149 | $ 16,272,000 | $ 109,208 | $ 34,000 |
| Dayton, OH | 148 | $ 17,022,000 | $ 115,013 | $ 40,000 |
| Madera, CA | 145 | $ 23,495,000 | $ 162,034 | $ 55,000 |
| Tulsa, OK | 142 | $ 19,487,000 | $ 137,232 | $ 49,000 |
| Louisville, KY-IN | 130 | $ 15,015,000 | $ 115,500 | $ 45,000 |
| Worcester, MA | 126 | $ 23,359,000 | $ 185,388 | $ 55,000 |
| Jacksonville, FL | 125 | $ 16,243,000 | $ 129,944 | $ 42,000 |
| Jackson, MI | 124 | $ 13,225,000 | $ 106,653 | $ 39,000 |
| Rockingham County-Strafford County, NH | 124 | $ 25,037,000 | $ 201,911 | $ 43,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 122 | $ 38,879,000 | $ 318,680 | $ 76,000 |
| Charleston-North Charleston, SC | 121 | $ 15,130,000 | $ 125,041 | $ 40,000 |
| Chico, CA | 121 | $ 21,114,000 | $ 174,495 | $ 82,000 |
| Canton-Massillon, OH | 119 | $ 11,050,000 | $ 92,857 | $ 33,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 119 | $ 19,203,000 | $ 161,369 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 119 | $ 16,137,000 | $ 135,605 | $ 44,000 |
| Cape Coral-Fort Myers, FL | 118 | $ 14,492,000 | $ 122,813 | $ 72,000 |
| Vallejo-Fairfield, CA | 116 | $ 29,212,000 | $ 251,827 | $ 76,000 |
| Pittsburgh, PA | 111 | $ 10,538,000 | $ 94,936 | $ 43,000 |
| Visalia-Porterville, CA | 109 | $ 16,058,000 | $ 147,321 | $ 63,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 106 | $ 17,786,000 | $ 167,792 | $ 66,000 |
| Lexington-Fayette, KY | 105 | $ 12,268,000 | $ 116,838 | $ 43,000 |
| Miami-Miami Beach-Kendall, FL | 105 | $ 15,163,000 | $ 144,409 | $ 48,000 |
| Shreveport-Bossier City, LA | 105 | $ 10,305,000 | $ 98,142 | $ 46,000 |
| Camden, NJ | 104 | $ 14,704,000 | $ 141,384 | $ 47,000 |
| Greenville, SC | 104 | $ 8,798,000 | $ 84,596 | $ 33,000 |
| Cambridge-Newton-Framingham, MA | 98 | $ 21,837,000 | $ 222,826 | $ 49,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 98 | $ 10,820,000 | $ 110,408 | $ 42,000 |
| York-Hanover, PA | 98 | $ 12,976,000 | $ 132,408 | $ 45,000 |
| Knoxville, TN | 97 | $ 11,681,000 | $ 120,422 | $ 64,000 |
| Memphis, TN-MS-AR | 97 | $ 10,871,000 | $ 112,072 | $ 34,000 |
| Niles-Benton Harbor, MI | 95 | $ 10,290,000 | $ 108,315 | $ 41,000 |
| Asheville, NC | 94 | $ 10,696,000 | $ 113,787 | $ 37,000 |
| Boulder, CO | 92 | $ 17,932,000 | $ 194,913 | $ 52,000 |
| Pensacola-Ferry Pass-Brent, FL | 92 | $ 9,560,000 | $ 103,913 | $ 48,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 91 | $ 20,127,000 | $ 221,175 | $ 48,000 |
| Winston-Salem, NC | 86 | $ 9,758,000 | $ 113,465 | $ 42,000 |
| Anchorage, AK | 85 | $ 14,604,000 | $ 171,811 | $ 22,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 84 | $ 25,156,000 | $ 299,476 | $ 86,000 |
| St. Louis, MO-IL | 84 | $ 9,838,000 | $ 117,119 | $ 47,000 |
| Toledo, OH | 84 | $ 9,098,000 | $ 108,309 | $ 34,000 |
| Savannah, GA | 83 | $ 11,235,000 | $ 135,361 | $ 39,000 |
| Fayetteville, NC | 82 | $ 7,417,000 | $ 90,451 | $ 22,000 |
| Wichita, KS | 82 | $ 6,765,000 | $ 82,500 | $ 23,000 |
| Anderson, IN | 78 | $ 6,576,000 | $ 84,307 | $ 40,000 |
| Austin-Round Rock, TX | 77 | $ 8,803,000 | $ 114,324 | $ 28,000 |
| Columbus, IN | 76 | $ 9,151,000 | $ 120,407 | $ 43,000 |
| Hartford-West Hartford-East Hartford, CT | 74 | $ 10,052,000 | $ 135,837 | $ 51,000 |
| Redding, CA | 73 | $ 11,671,000 | $ 159,876 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 72 | $ 8,032,000 | $ 111,555 | $ 34,000 |
| New Haven-Milford, CT | 71 | $ 11,848,000 | $ 166,873 | $ 70,000 |
| Sarasota-Bradenton-Venice, FL | 70 | $ 13,064,000 | $ 186,628 | $ 58,000 |
| Flint, MI | 69 | $ 7,217,000 | $ 104,594 | $ 34,000 |
| Harrisburg-Carlisle, PA | 69 | $ 9,198,000 | $ 133,304 | $ 48,000 |
| Modesto, CA | 69 | $ 14,292,000 | $ 207,130 | $ 63,000 |
| Prescott, AZ | 69 | $ 10,584,000 | $ 153,391 | $ 57,000 |
| Bloomington, IN | 66 | $ 7,156,000 | $ 108,424 | $ 46,000 |
| Manchester-Nashua, NH | 66 | $ 12,379,000 | $ 187,560 | $ 31,000 |
| Nashville-Davidson--Murfreesboro, TN | 65 | $ 8,415,000 | $ 129,461 | $ 34,000 |
| Kankakee-Bradley, IL | 64 | $ 6,189,000 | $ 96,703 | $ 45,000 |
| Clarksville, TN-KY | 61 | $ 6,970,000 | $ 114,262 | $ 2,000 |
| Youngstown-Warren-Boardman, OH-PA | 61 | $ 5,351,000 | $ 87,721 | $ 35,000 |
| Ocala, FL | 60 | $ 6,661,000 | $ 111,016 | $ 51,000 |
| Santa Rosa-Petaluma, CA | 60 | $ 16,143,000 | $ 269,050 | $ 85,000 |
| New Orleans-Metairie-Kenner, LA | 54 | $ 6,471,000 | $ 119,833 | $ 70,000 |
| Columbia, MO | 53 | $ 5,402,000 | $ 101,924 | $ 46,000 |
| Kokomo, IN | 53 | $ 5,522,000 | $ 104,188 | $ 33,000 |
| Port St. Lucie-Fort Pierce, FL | 53 | $ 6,823,000 | $ 128,735 | $ 73,000 |
| Evansville, IN-KY | 52 | $ 5,485,000 | $ 105,480 | $ 55,000 |
| Trenton-Ewing, NJ | 52 | $ 6,584,000 | $ 126,615 | $ 64,000 |
| Lincoln, NE | 50 | $ 5,181,000 | $ 103,620 | $ 25,000 |
| Salinas, CA | 50 | $ 20,754,000 | $ 415,080 | $ 137,000 |
| Essex County, MA | 49 | $ 11,451,000 | $ 233,693 | $ 58,000 |
| Lewiston-Auburn, ME | 48 | $ 4,825,000 | $ 100,520 | $ 31,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 47 | $ 5,517,000 | $ 117,382 | $ 72,000 |
| Provo-Orem, UT | 47 | $ 7,428,000 | $ 158,042 | $ 73,000 |
| St. George, UT | 47 | $ 7,035,000 | $ 149,680 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 46 | $ 10,356,000 | $ 225,130 | $ 55,000 |
| Killeen-Temple-Fort Hood, TX | 46 | $ 4,244,000 | $ 92,260 | $ 22,000 |
| Ogden-Clearfield, UT | 46 | $ 6,057,000 | $ 131,673 | $ 63,000 |
| Birmingham-Hoover, AL | 44 | $ 4,946,000 | $ 112,409 | $ 38,000 |
| Eugene-Springfield, OR | 44 | $ 6,074,000 | $ 138,045 | $ 58,000 |
| Grand Junction, CO | 44 | $ 6,418,000 | $ 145,863 | $ 44,000 |
| Sandusky, OH | 43 | $ 4,540,000 | $ 105,581 | $ 48,000 |
| Milwaukee-Waukesha-West Allis, WI | 42 | $ 5,980,000 | $ 142,380 | $ 56,000 |
| Jacksonville, NC | 40 | $ 4,495,000 | $ 112,375 | $ 60,000 |
| Montgomery, AL | 39 | $ 3,860,000 | $ 98,974 | $ 32,000 |
| Des Moines, IA | 38 | $ 3,542,000 | $ 93,210 | $ 15,000 |
| Wilmington, NC | 38 | $ 5,301,000 | $ 139,500 | $ 42,000 |
| Hanford-Corcoran, CA | 37 | $ 5,045,000 | $ 136,351 | $ 68,000 |
| Holland-Grand Haven, MI | 37 | $ 4,646,000 | $ 125,567 | $ 38,000 |
| Rockford, IL | 37 | $ 3,815,000 | $ 103,108 | $ 40,000 |
| Providence-New Bedford-Fall River, RI-MA | 36 | $ 6,653,000 | $ 184,805 | $ 34,000 |
| Albany-Schenectady-Troy, NY | 35 | $ 3,323,000 | $ 94,942 | $ 29,000 |
| Salem, OR | 35 | $ 4,358,000 | $ 124,514 | $ 30,000 |
| Scranton--Wilkes-Barre, PA | 35 | $ 3,471,000 | $ 99,171 | $ 49,000 |
| Hagerstown-Martinsburg, MD-WV | 34 | $ 4,627,000 | $ 136,088 | $ 37,000 |
| Spartanburg, SC | 34 | $ 3,265,000 | $ 96,029 | $ 33,000 |
| Albuquerque, NM | 33 | $ 4,006,000 | $ 121,393 | $ 42,000 |
| Muncie, IN | 33 | $ 2,888,000 | $ 87,515 | $ 40,000 |
| Goldsboro, NC | 32 | $ 3,372,000 | $ 105,375 | $ 29,000 |
| Rochester, NY | 31 | $ 3,025,000 | $ 97,580 | $ 42,000 |
| Ann Arbor, MI | 30 | $ 4,471,000 | $ 149,033 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 30 | $ 3,286,000 | $ 109,533 | $ 16,000 |
| Merced, CA | 30 | $ 5,087,000 | $ 169,566 | $ 52,000 |
| Topeka, KS | 30 | $ 2,446,000 | $ 81,533 | $ 33,000 |
| Winchester, VA-WV | 30 | $ 4,121,000 | $ 137,366 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 29 | $ 3,468,000 | $ 119,586 | $ 48,000 |
| Buffalo-Niagara Falls, NY | 29 | $ 2,561,000 | $ 88,310 | $ 27,000 |
| Kennewick-Richland-Pasco, WA | 29 | $ 3,769,000 | $ 129,965 | $ 48,000 |
| Wilmington, DE-MD-NJ | 29 | $ 4,924,000 | $ 169,793 | $ 39,000 |
| Muskegon-Norton Shores, MI | 28 | $ 3,212,000 | $ 114,714 | $ 30,000 |
| Barnstable Town, MA | 27 | $ 6,288,000 | $ 232,888 | $ 97,000 |
| Longview, WA | 27 | $ 2,455,000 | $ 90,925 | $ 63,000 |
| Pueblo, CO | 27 | $ 4,639,000 | $ 171,814 | $ 50,000 |
| Spokane, WA | 27 | $ 3,543,000 | $ 131,222 | $ 54,000 |
| Huntsville, AL | 26 | $ 2,600,000 | $ 100,000 | $ 45,000 |
| Salisbury, MD | 26 | $ 3,214,000 | $ 123,615 | $ 39,000 |
| Bremerton-Silverdale, WA | 25 | $ 5,158,000 | $ 206,320 | $ 85,000 |
| Flagstaff, AZ | 25 | $ 4,140,000 | $ 165,600 | $ 52,000 |
| Lancaster, PA | 25 | $ 2,381,000 | $ 95,240 | $ 49,000 |
| Medford, OR | 25 | $ 3,908,000 | $ 156,320 | $ 50,000 |
| Tallahassee, FL | 25 | $ 2,526,000 | $ 101,040 | $ 39,000 |
| Hickory-Lenoir-Morganton, NC | 24 | $ 2,652,000 | $ 110,500 | $ 48,000 |
| Pocatello, ID | 24 | $ 2,997,000 | $ 124,875 | $ 39,000 |
| Springfield, MA | 24 | $ 3,016,000 | $ 125,666 | $ 38,000 |
| St. Joseph, MO-KS | 24 | $ 1,789,000 | $ 74,541 | $ 51,000 |
| Atlantic City, NJ | 23 | $ 3,076,000 | $ 133,739 | $ 41,000 |
| Elizabethtown, KY | 23 | $ 2,090,000 | $ 90,869 | $ 34,000 |
| Santa Cruz-Watsonville, CA | 23 | $ 8,446,000 | $ 367,217 | $ 83,000 |
| Burlington-South Burlington, VT | 22 | $ 2,728,000 | $ 124,000 | $ 53,000 |
| Owensboro, KY | 22 | $ 2,018,000 | $ 91,727 | $ 30,000 |
| Baton Rouge, LA | 21 | $ 1,862,000 | $ 88,666 | $ 10,000 |
| Boise City-Nampa, ID | 21 | $ 2,529,000 | $ 120,428 | $ 37,000 |
| Lawton, OK | 21 | $ 1,582,000 | $ 75,333 | $ 33,000 |
| Mount Vernon-Anacortes, WA | 21 | $ 2,552,000 | $ 121,523 | $ 43,000 |
| Reno-Sparks, NV | 21 | $ 3,481,000 | $ 165,761 | $ 76,000 |
| Anderson, SC | 20 | $ 2,056,000 | $ 102,800 | $ 36,000 |
| El Paso, TX | 20 | $ 1,371,000 | $ 68,550 | $ 6,000 |
| Naples-Marco Island, FL | 20 | $ 4,168,000 | $ 208,400 | $ 195,000 |
| Syracuse, NY | 20 | $ 1,630,000 | $ 81,500 | $ 31,000 |
| Vero Beach, FL | 20 | $ 2,924,000 | $ 146,200 | $ 26,000 |
| Corpus Christi, TX | 19 | $ 1,421,000 | $ 74,789 | $ 27,000 |
| Monroe, MI | 19 | $ 2,624,000 | $ 138,105 | $ 41,000 |
| Punta Gorda, FL | 19 | $ 2,934,000 | $ 154,421 | $ 60,000 |
| Binghamton, NY | 18 | $ 1,647,000 | $ 91,500 | $ 38,000 |
| Charleston, WV | 18 | $ 1,347,000 | $ 74,833 | $ 36,000 |
| Columbus, GA-AL | 18 | $ 1,720,000 | $ 95,555 | $ 20,000 |
| Greenville, NC | 18 | $ 1,533,000 | $ 85,166 | $ 31,000 |
| Reading, PA | 18 | $ 1,728,000 | $ 96,000 | $ 33,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 18 | $ 6,469,000 | $ 359,388 | $ 111,000 |
| Sumter, SC | 18 | $ 1,788,000 | $ 99,333 | $ 31,000 |
| Warner Robins, GA | 18 | $ 1,883,000 | $ 104,611 | $ 40,000 |
| Jefferson City, MO | 17 | $ 1,317,000 | $ 77,470 | $ 31,000 |
| Mansfield, OH | 17 | $ 1,629,000 | $ 95,823 | $ 46,000 |
| Racine, WI | 17 | $ 2,034,000 | $ 119,647 | $ 36,000 |
| Roanoke, VA | 17 | $ 1,393,000 | $ 81,941 | $ 27,000 |
| Harrisonburg, VA | 16 | $ 1,602,000 | $ 100,125 | $ 54,000 |
| Jackson, MS | 16 | $ 1,098,000 | $ 68,625 | $ 14,000 |
| Terre Haute, IN | 16 | $ 1,191,000 | $ 74,437 | $ 35,000 |
| Bellingham, WA | 15 | $ 2,626,000 | $ 175,066 | $ 65,000 |
| Dover, DE | 15 | $ 1,628,000 | $ 108,533 | $ 29,000 |
| El Centro, CA | 14 | $ 1,750,000 | $ 125,000 | $ 107,000 |
| Rome, GA | 14 | $ 1,681,000 | $ 120,071 | $ 43,000 |
| Springfield, MO | 14 | $ 1,307,000 | $ 93,357 | $ 46,000 |
| College Station-Bryan, TX | 13 | $ 883,000 | $ 67,923 | $ 52,000 |
| Honolulu, HI | 13 | $ 3,780,000 | $ 290,769 | $ 98,000 |
| Kingston, NY | 13 | $ 2,056,000 | $ 158,153 | $ 29,000 |
| Madison, WI | 13 | $ 1,658,000 | $ 127,538 | $ 32,000 |
| Panama City-Lynn Haven, FL | 13 | $ 1,556,000 | $ 119,692 | $ 35,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 4,045,000 | $ 311,153 | $ 83,000 |
| Cedar Rapids, IA | 12 | $ 1,280,000 | $ 106,666 | $ 20,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 1,267,000 | $ 105,583 | $ 24,000 |
| Napa, CA | 12 | $ 4,623,000 | $ 385,250 | $ 87,000 |
| Utica-Rome, NY | 12 | $ 1,205,000 | $ 100,416 | $ 52,000 |
| Amarillo, TX | 11 | $ 732,000 | $ 66,545 | $ 57,000 |
| Bowling Green, KY | 11 | $ 919,000 | $ 83,545 | $ 36,000 |
| Chattanooga, TN-GA | 11 | $ 795,000 | $ 72,272 | $ 16,000 |
| Coeur D'Alene, ID | 11 | $ 1,083,000 | $ 98,454 | $ 31,000 |
| Danville, VA | 11 | $ 762,000 | $ 69,272 | $ 25,000 |
| Lafayette, LA | 11 | $ 892,000 | $ 81,090 | $ 10,000 |
| Norwich-New London, CT | 11 | $ 3,133,000 | $ 284,818 | $ 53,000 |
| Rochester, MN | 11 | $ 1,201,000 | $ 109,181 | $ 45,000 |
| Rocky Mount, NC | 11 | $ 1,030,000 | $ 93,636 | $ 23,000 |
| Wenatchee, WA | 11 | $ 1,694,000 | $ 154,000 | $ 45,000 |
| Yakima, WA | 11 | $ 1,314,000 | $ 119,454 | $ 28,000 |
| Fond Du Lac, WI | 10 | $ 882,000 | $ 88,200 | $ 51,000 |
| Kingsport-Bristol-Bristol, TN-VA | 10 | $ 783,000 | $ 78,300 | $ 27,000 |
| Oshkosh-Neenah, WI | 10 | $ 1,569,000 | $ 156,900 | $ 87,000 |
| Peoria, IL | 10 | $ 1,104,000 | $ 110,400 | $ 94,000 |
| Athens-Clarke County, GA | 9 | $ 928,000 | $ 103,111 | $ 19,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 985,000 | $ 109,444 | $ 31,000 |
| Eau Claire, WI | 9 | $ 909,000 | $ 101,000 | $ 23,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 986,000 | $ 109,555 | $ 57,000 |
| Gainesville, GA | 9 | $ 926,000 | $ 102,888 | $ 18,000 |
| Glens Falls, NY | 9 | $ 1,020,000 | $ 113,333 | $ 43,000 |
| Green Bay, WI | 9 | $ 893,000 | $ 99,222 | $ 24,000 |
| Gulfport-Biloxi, MS | 9 | $ 1,020,000 | $ 113,333 | $ 36,000 |
| Lima, OH | 9 | $ 862,000 | $ 95,777 | $ 31,000 |
| Santa Fe, NM | 9 | $ 2,136,000 | $ 237,333 | $ 102,000 |
| Tyler, TX | 9 | $ 738,000 | $ 82,000 | $ 30,000 |
| Abilene, TX | 8 | $ 513,000 | $ 64,125 | $ 0 |
| Bangor, ME | 8 | $ 749,000 | $ 93,625 | $ 77,000 |
| Florence, SC | 8 | $ 607,000 | $ 75,875 | $ 31,000 |
| Idaho Falls, ID | 8 | $ 931,000 | $ 116,375 | $ 24,000 |
| Joplin, MO | 8 | $ 703,000 | $ 87,875 | $ 70,000 |
| Laredo, TX | 8 | $ 691,000 | $ 86,375 | $ 32,000 |
| Springfield, OH | 8 | $ 893,000 | $ 111,625 | $ 51,000 |
| Tuscaloosa, AL | 8 | $ 767,000 | $ 95,875 | $ 57,000 |
| Charlottesville, VA | 7 | $ 970,000 | $ 138,571 | $ 24,000 |
| Erie, PA | 7 | $ 583,000 | $ 83,285 | $ 45,000 |
| Fairbanks, AK | 7 | $ 892,000 | $ 127,428 | $ 9,000 |
| Farmington, NM | 7 | $ 918,000 | $ 131,142 | $ 33,000 |
| Gainesville, FL | 7 | $ 767,000 | $ 109,571 | $ 33,000 |
| Janesville, WI | 7 | $ 646,000 | $ 92,285 | $ 71,000 |
| Logan, UT-ID | 7 | $ 836,000 | $ 119,428 | $ 84,000 |
| Lubbock, TX | 7 | $ 476,000 | $ 68,000 | $ 12,000 |
| Lynchburg, VA | 7 | $ 792,000 | $ 113,142 | $ 12,000 |
| Macon, GA | 7 | $ 592,000 | $ 84,571 | $ 18,000 |
| Mobile, AL | 7 | $ 729,000 | $ 104,142 | $ 95,000 |
| Monroe, LA | 7 | $ 559,000 | $ 79,857 | $ 57,000 |
| Pascagoula, MS | 7 | $ 936,000 | $ 133,714 | $ 30,000 |
| Sherman-Denison, TX | 7 | $ 694,000 | $ 99,142 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 7 | $ 719,000 | $ 102,714 | $ 37,000 |
| Yuma, AZ | 7 | $ 558,000 | $ 79,714 | $ 46,000 |
| Alexandria, LA | 6 | $ 513,000 | $ 85,500 | $ 0 |
| Beaumont-Port Arthur, TX | 6 | $ 674,000 | $ 112,333 | $ 212,000 |
| Cheyenne, WY | 6 | $ 726,000 | $ 121,000 | $ 31,000 |
| Dubuque, IA | 6 | $ 281,000 | $ 46,833 | $ 45,000 |
| Hinesville-Fort Stewart, GA | 6 | $ 404,000 | $ 67,333 | $ 16,000 |
| Iowa City, IA | 6 | $ 891,000 | $ 148,500 | $ 45,000 |
| Lake Charles, LA | 6 | $ 449,000 | $ 74,833 | $ 19,000 |
| Lawrence, KS | 6 | $ 730,000 | $ 121,666 | $ 32,000 |
| Missoula, MT | 6 | $ 880,000 | $ 146,666 | $ 53,000 |
| San Angelo, TX | 6 | $ 425,000 | $ 70,833 | $ 16,000 |
| Champaign-Urbana, IL | 5 | $ 581,000 | $ 116,200 | $ 98,000 |
| Cumberland, MD-WV | 5 | $ 411,000 | $ 82,200 | $ 48,000 |
| Dothan, AL | 5 | $ 521,000 | $ 104,200 | $ 8,000 |
| La Crosse, WI-MN | 5 | $ 633,000 | $ 126,600 | $ 49,000 |
| Morristown, TN | 5 | $ 408,000 | $ 81,600 | $ 52,000 |
| Ocean City, NJ | 5 | $ 1,020,000 | $ 204,000 | $ 31,000 |
| Pine Bluff, AR | 5 | $ 505,000 | $ 101,000 | $ 24,000 |
| Sioux Falls, SD | 5 | $ 716,000 | $ 143,200 | $ 21,000 |
| Victoria, TX | 5 | $ 331,000 | $ 66,200 | $ 13,000 |
| Waco, TX | 5 | $ 380,000 | $ 76,000 | $ 10,000 |
| Williamsport, PA | 5 | $ 469,000 | $ 93,800 | $ 44,000 |
| Albany, GA | 4 | $ 247,000 | $ 61,750 | $ 16,000 |
| Anniston-Oxford, AL | 4 | $ 414,000 | $ 103,500 | $ 48,000 |
| Appleton, WI | 4 | $ 461,000 | $ 115,250 | $ 48,000 |
| Billings, MT | 4 | $ 467,000 | $ 116,750 | $ 38,000 |
| Bloomington-Normal, IL | 4 | $ 416,000 | $ 104,000 | $ 50,000 |
| Corvallis, OR | 4 | $ 560,000 | $ 140,000 | $ 66,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 347,000 | $ 86,750 | $ 15,000 |
| Decatur, AL | 4 | $ 390,000 | $ 97,500 | $ 20,000 |
| Fort Smith, AR-OK | 4 | $ 338,000 | $ 84,500 | $ 0 |
| Johnson City, TN | 4 | $ 359,000 | $ 89,750 | $ 25,000 |
| Lebanon, PA | 4 | $ 277,000 | $ 69,250 | $ 50,000 |
| Midland, TX | 4 | $ 266,000 | $ 66,500 | $ 16,000 |
| State College, PA | 4 | $ 283,000 | $ 70,750 | $ 39,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 330,000 | $ 82,500 | $ 0 |
| Altoona, PA | 3 | $ 306,000 | $ 102,000 | $ 29,000 |
| Bismarck, ND | 3 | $ 179,000 | $ 59,666 | $ 32,000 |
| Brunswick, GA | 3 | $ 203,000 | $ 67,666 | $ 60,000 |
| Casper, WY | 3 | $ 237,000 | $ 79,000 | $ 43,000 |
| Cleveland, TN | 3 | $ 239,000 | $ 79,666 | $ 17,000 |
| Dalton, GA | 3 | $ 238,000 | $ 79,333 | $ 0 |
| Danville, IL | 3 | $ 290,000 | $ 96,666 | $ 29,000 |
| Fargo, ND-MN | 3 | $ 333,000 | $ 111,000 | $ 74,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 343,000 | $ 114,333 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 206,000 | $ 68,666 | $ 51,000 |
| Jonesboro, AR | 3 | $ 233,000 | $ 77,666 | $ 0 |
| Morgantown, WV | 3 | $ 265,000 | $ 88,333 | $ 35,000 |
| Springfield, IL | 3 | $ 370,000 | $ 123,333 | $ 22,000 |
| Valdosta, GA | 3 | $ 330,000 | $ 110,000 | $ 12,000 |
| Wichita Falls, TX | 3 | $ 222,000 | $ 74,000 | $ 23,000 |
| Auburn-Opelika, AL | 2 | $ 345,000 | $ 172,500 | $ 0 |
| Elmira, NY | 2 | $ 489,000 | $ 244,500 | $ 78,000 |
| Gadsden, AL | 2 | $ 194,000 | $ 97,000 | $ 100,000 |
| Grand Forks, ND-MN | 2 | $ 231,000 | $ 115,500 | $ 33,000 |
| Great Falls, MT | 2 | $ 104,000 | $ 52,000 | $ 0 |
| Hot Springs, AR | 2 | $ 254,000 | $ 127,000 | $ 11,000 |
| Jackson, TN | 2 | $ 272,000 | $ 136,000 | $ 92,000 |
| Longview, TX | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Parkersburg-Marietta, WV-OH | 2 | $ 170,000 | $ 85,000 | $ 43,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 187,000 | $ 93,500 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 172,000 | $ 86,000 | $ 14,000 |
| Wheeling, WV-OH | 2 | $ 146,000 | $ 73,000 | $ 18,000 |
| Carson City, NV | 1 | $ 273,000 | $ 273,000 | $ 80,000 |
| Florence-Muscle Shoals, AL | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Ithaca, NY | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Johnstown, PA | 1 | $ 131,000 | $ 131,000 | $ 71,000 |
| Las Cruces, NM | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Pittsfield, MA | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Rapid City, SD | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Sheboygan, WI | 1 | $ 47,000 | $ 47,000 | $ 0 |
| St. Cloud, MN | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Wausau, WI | 1 | $ 48,000 | $ 48,000 | $ 0 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About