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records Union Federal C/O Sky Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,840 | $ 348,024,000 | $ 90,631 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3,766 | $ 574,673,000 | $ 152,595 | $ 47,000 |
| Chicago-Naperville-Joliet, IL | 1,486 | $ 217,103,000 | $ 146,098 | $ 62,000 |
| San Antonio, TX | 1,480 | $ 143,852,000 | $ 97,197 | $ 43,000 |
| Denver-Aurora, CO | 1,395 | $ 220,165,000 | $ 157,824 | $ 57,000 |
| Houston-Baytown-Sugar Land, TX | 1,344 | $ 163,170,000 | $ 121,406 | $ 61,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,272 | $ 141,152,000 | $ 110,968 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 1,199 | $ 246,771,000 | $ 205,814 | $ 78,000 |
| Riverside-San Bernardino-Ontario, CA | 1,153 | $ 262,265,000 | $ 227,463 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,144 | $ 324,424,000 | $ 283,587 | $ 73,000 |
| Columbus, OH | 1,110 | $ 155,013,000 | $ 139,651 | $ 48,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,080 | $ 225,088,000 | $ 208,414 | $ 125,000 |
| Baltimore-Towson, MD | 990 | $ 187,044,000 | $ 188,933 | $ 71,000 |
| Las Vegas-Paradise, NV | 981 | $ 178,916,000 | $ 182,381 | $ 66,000 |
| Fort Worth-Arlington, TX | 949 | $ 97,485,000 | $ 102,723 | $ 46,000 |
| Fort Wayne, IN | 917 | $ 86,801,000 | $ 94,657 | $ 37,000 |
| Edison, NJ | 848 | $ 165,773,000 | $ 195,487 | $ 64,000 |
| Oklahoma City, OK | 827 | $ 89,294,000 | $ 107,973 | $ 60,000 |
| Kalamazoo-Portage, MI | 808 | $ 79,981,000 | $ 98,986 | $ 42,000 |
| Yuba City, CA | 796 | $ 142,298,000 | $ 178,766 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 793 | $ 118,650,000 | $ 149,621 | $ 58,000 |
| Warren-Farmington Hills-Troy, MI | 657 | $ 86,649,000 | $ 131,885 | $ 53,000 |
| Detroit-Livonia-Dearborn, MI | 611 | $ 62,258,000 | $ 101,895 | $ 44,000 |
| Nassau-Suffolk, NY | 593 | $ 150,128,000 | $ 253,166 | $ 97,000 |
| Colorado Springs, CO | 588 | $ 83,877,000 | $ 142,647 | $ 56,000 |
| Bakersfield, CA | 587 | $ 89,320,000 | $ 152,163 | $ 60,000 |
| Santa Ana-Anaheim-Irvine, CA | 584 | $ 216,066,000 | $ 369,976 | $ 108,000 |
| Raleigh-Cary, NC | 583 | $ 69,690,000 | $ 119,536 | $ 39,000 |
| Greeley, CO | 572 | $ 72,660,000 | $ 127,027 | $ 49,000 |
| Bend, OR | 552 | $ 86,428,000 | $ 156,572 | $ 64,000 |
| Portland-South Portland-Biddeford, ME | 517 | $ 79,937,000 | $ 154,617 | $ 61,000 |
| Fresno, CA | 516 | $ 89,357,000 | $ 173,172 | $ 74,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 509 | $ 125,912,000 | $ 247,371 | $ 81,000 |
| Orlando, FL | 451 | $ 64,781,000 | $ 143,638 | $ 46,000 |
| South Bend-Mishawaka, IN-MI | 421 | $ 39,431,000 | $ 93,660 | $ 41,000 |
| Tampa-St. Petersburg-Clearwater, FL | 409 | $ 57,416,000 | $ 140,381 | $ 53,000 |
| Salt Lake City, UT | 402 | $ 68,050,000 | $ 169,278 | $ 72,000 |
| Cincinnati-Middletown, OH-KY-IN | 380 | $ 41,620,000 | $ 109,526 | $ 55,000 |
| Lafayette, IN | 361 | $ 43,990,000 | $ 121,855 | $ 44,000 |
| Olympia, WA | 360 | $ 58,267,000 | $ 161,852 | $ 63,000 |
| Cleveland-Elyria-Mentor, OH | 356 | $ 32,447,000 | $ 91,143 | $ 41,000 |
| Grand Rapids-Wyoming, MI | 343 | $ 33,169,000 | $ 96,702 | $ 40,000 |
| Dallas-Plano-Irving, TX | 332 | $ 39,883,000 | $ 120,129 | $ 56,000 |
| Lansing-East Lansing, MI | 330 | $ 30,571,000 | $ 92,639 | $ 49,000 |
| San Diego-Carlsbad-San Marcos, CA | 314 | $ 108,421,000 | $ 345,289 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 313 | $ 43,906,000 | $ 140,274 | $ 42,000 |
| Tucson, AZ | 310 | $ 41,453,000 | $ 133,719 | $ 57,000 |
| Charlotte-Gastonia-Concord, NC-SC | 297 | $ 32,870,000 | $ 110,673 | $ 42,000 |
| Bay City, MI | 286 | $ 24,948,000 | $ 87,230 | $ 37,000 |
| Tacoma, WA | 274 | $ 40,688,000 | $ 148,496 | $ 52,000 |
| Lake County-Kenosha County, IL-WI | 273 | $ 37,028,000 | $ 135,633 | $ 65,000 |
| Battle Creek, MI | 271 | $ 23,807,000 | $ 87,848 | $ 45,000 |
| Brownsville-Harlingen, TX | 250 | $ 26,383,000 | $ 105,532 | $ 55,000 |
| Richmond, VA | 245 | $ 28,855,000 | $ 117,775 | $ 48,000 |
| Elkhart-Goshen, IN | 243 | $ 25,002,000 | $ 102,888 | $ 34,000 |
| Greensboro-High Point, NC | 237 | $ 23,183,000 | $ 97,818 | $ 42,000 |
| Durham, NC | 234 | $ 24,617,000 | $ 105,200 | $ 43,000 |
| Oakland-Fremont-Hayward, CA | 229 | $ 73,950,000 | $ 322,925 | $ 89,000 |
| Stockton, CA | 227 | $ 59,683,000 | $ 262,920 | $ 79,000 |
| Fort Collins-Loveland, CO | 223 | $ 30,876,000 | $ 138,457 | $ 62,000 |
| Philadelphia, PA | 221 | $ 31,951,000 | $ 144,574 | $ 58,000 |
| Newark-Union, NJ-PA | 211 | $ 44,217,000 | $ 209,559 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 207 | $ 39,445,000 | $ 190,555 | $ 62,000 |
| Louisville, KY-IN | 199 | $ 22,171,000 | $ 111,412 | $ 55,000 |
| Evansville, IN-KY | 191 | $ 17,813,000 | $ 93,261 | $ 48,000 |
| Austin-Round Rock, TX | 182 | $ 23,919,000 | $ 131,423 | $ 41,000 |
| Dayton, OH | 182 | $ 22,453,000 | $ 123,368 | $ 47,000 |
| Gary, IN | 181 | $ 17,411,000 | $ 96,193 | $ 40,000 |
| McAllen-Edinburg-Pharr, TX | 181 | $ 19,487,000 | $ 107,662 | $ 67,000 |
| Akron, OH | 180 | $ 16,422,000 | $ 91,233 | $ 38,000 |
| Little Rock-North Little Rock, AR | 179 | $ 18,926,000 | $ 105,731 | $ 49,000 |
| Lexington-Fayette, KY | 178 | $ 19,410,000 | $ 109,044 | $ 52,000 |
| Savannah, GA | 174 | $ 22,022,000 | $ 126,563 | $ 52,000 |
| Lakeland, FL | 172 | $ 22,875,000 | $ 132,994 | $ 38,000 |
| Columbia, SC | 171 | $ 16,669,000 | $ 97,479 | $ 36,000 |
| Chico, CA | 169 | $ 30,144,000 | $ 178,366 | $ 68,000 |
| Saginaw-Saginaw Township North, MI | 167 | $ 12,982,000 | $ 77,736 | $ 32,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 167 | $ 39,364,000 | $ 235,712 | $ 80,000 |
| New York-Wayne-White Plains, NY-NJ | 166 | $ 48,287,000 | $ 290,885 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 160 | $ 19,916,000 | $ 124,475 | $ 40,000 |
| Visalia-Porterville, CA | 157 | $ 23,480,000 | $ 149,554 | $ 56,000 |
| El Paso, TX | 155 | $ 14,241,000 | $ 91,877 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 149 | $ 23,783,000 | $ 159,617 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 149 | $ 24,423,000 | $ 163,912 | $ 56,000 |
| Asheville, NC | 146 | $ 14,249,000 | $ 97,595 | $ 45,000 |
| Boston-Quincy, MA | 145 | $ 35,300,000 | $ 243,448 | $ 79,000 |
| Knoxville, TN | 144 | $ 18,329,000 | $ 127,284 | $ 42,000 |
| Ogden-Clearfield, UT | 144 | $ 18,953,000 | $ 131,618 | $ 46,000 |
| Charleston-North Charleston, SC | 140 | $ 18,545,000 | $ 132,464 | $ 41,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 136 | $ 19,668,000 | $ 144,617 | $ 82,000 |
| Boulder, CO | 132 | $ 20,671,000 | $ 156,598 | $ 51,000 |
| Shreveport-Bossier City, LA | 132 | $ 13,206,000 | $ 100,045 | $ 50,000 |
| Kansas City, MO-KS | 128 | $ 13,493,000 | $ 105,414 | $ 46,000 |
| Winston-Salem, NC | 127 | $ 12,182,000 | $ 95,921 | $ 38,000 |
| Omaha-Council Bluffs, NE-IA | 122 | $ 13,156,000 | $ 107,836 | $ 58,000 |
| Jacksonville, FL | 120 | $ 19,493,000 | $ 162,441 | $ 58,000 |
| Michigan City-La Porte, IN | 120 | $ 12,580,000 | $ 104,833 | $ 36,000 |
| Greenville, SC | 117 | $ 11,371,000 | $ 97,188 | $ 36,000 |
| Ocala, FL | 115 | $ 9,427,000 | $ 81,973 | $ 31,000 |
| Miami-Miami Beach-Kendall, FL | 114 | $ 20,726,000 | $ 181,807 | $ 96,000 |
| Worcester, MA | 114 | $ 18,631,000 | $ 163,429 | $ 59,000 |
| Salem, OR | 110 | $ 13,694,000 | $ 124,490 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 107 | $ 11,873,000 | $ 110,962 | $ 48,000 |
| St. George, UT | 107 | $ 16,042,000 | $ 149,925 | $ 89,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 106 | $ 17,224,000 | $ 162,490 | $ 52,000 |
| Madera, CA | 104 | $ 17,458,000 | $ 167,865 | $ 58,000 |
| Camden, NJ | 103 | $ 13,144,000 | $ 127,611 | $ 60,000 |
| Burlington, NC | 102 | $ 9,538,000 | $ 93,509 | $ 34,000 |
| Port St. Lucie-Fort Pierce, FL | 101 | $ 15,909,000 | $ 157,514 | $ 81,000 |
| Grand Junction, CO | 99 | $ 13,562,000 | $ 136,989 | $ 52,000 |
| Flint, MI | 96 | $ 10,705,000 | $ 111,510 | $ 22,000 |
| Peoria, IL | 95 | $ 6,829,000 | $ 71,884 | $ 55,000 |
| York-Hanover, PA | 94 | $ 9,329,000 | $ 99,244 | $ 33,000 |
| Bloomington, IN | 92 | $ 10,254,000 | $ 111,456 | $ 47,000 |
| Memphis, TN-MS-AR | 91 | $ 12,959,000 | $ 142,406 | $ 49,000 |
| Modesto, CA | 90 | $ 18,836,000 | $ 209,288 | $ 77,000 |
| Columbus, IN | 88 | $ 9,896,000 | $ 112,454 | $ 47,000 |
| Prescott, AZ | 88 | $ 13,201,000 | $ 150,011 | $ 55,000 |
| Niles-Benton Harbor, MI | 87 | $ 8,811,000 | $ 101,275 | $ 35,000 |
| Augusta-Richmond County, GA-SC | 86 | $ 7,289,000 | $ 84,755 | $ 46,000 |
| Rockingham County-Strafford County, NH | 86 | $ 13,795,000 | $ 160,406 | $ 37,000 |
| Fayetteville, NC | 84 | $ 8,680,000 | $ 103,333 | $ 39,000 |
| Nashville-Davidson--Murfreesboro, TN | 84 | $ 10,867,000 | $ 129,369 | $ 31,000 |
| Boise City-Nampa, ID | 81 | $ 9,897,000 | $ 122,185 | $ 43,000 |
| Cambridge-Newton-Framingham, MA | 81 | $ 21,509,000 | $ 265,543 | $ 91,000 |
| Albuquerque, NM | 78 | $ 7,947,000 | $ 101,884 | $ 52,000 |
| Canton-Massillon, OH | 78 | $ 7,279,000 | $ 93,320 | $ 46,000 |
| Sarasota-Bradenton-Venice, FL | 78 | $ 12,089,000 | $ 154,987 | $ 65,000 |
| Tulsa, OK | 78 | $ 8,890,000 | $ 113,974 | $ 36,000 |
| Hanford-Corcoran, CA | 77 | $ 10,629,000 | $ 138,038 | $ 71,000 |
| Pittsburgh, PA | 77 | $ 6,795,000 | $ 88,246 | $ 44,000 |
| Harrisburg-Carlisle, PA | 74 | $ 8,225,000 | $ 111,148 | $ 64,000 |
| Clarksville, TN-KY | 72 | $ 8,165,000 | $ 113,402 | $ 9,000 |
| St. Louis, MO-IL | 72 | $ 6,491,000 | $ 90,152 | $ 57,000 |
| Lewiston-Auburn, ME | 71 | $ 7,068,000 | $ 99,549 | $ 59,000 |
| Provo-Orem, UT | 70 | $ 15,648,000 | $ 223,542 | $ 98,000 |
| Springfield, MO | 70 | $ 5,278,000 | $ 75,400 | $ 79,000 |
| Birmingham-Hoover, AL | 66 | $ 6,627,000 | $ 100,409 | $ 41,000 |
| Wilmington, NC | 65 | $ 7,654,000 | $ 117,753 | $ 37,000 |
| Hickory-Lenoir-Morganton, NC | 64 | $ 5,546,000 | $ 86,656 | $ 36,000 |
| Toledo, OH | 64 | $ 6,009,000 | $ 93,890 | $ 46,000 |
| Winchester, VA-WV | 64 | $ 9,912,000 | $ 154,875 | $ 53,000 |
| Anchorage, AK | 63 | $ 12,601,000 | $ 200,015 | $ 19,000 |
| Anderson, IN | 63 | $ 3,656,000 | $ 58,031 | $ 42,000 |
| Longview, WA | 63 | $ 6,060,000 | $ 96,190 | $ 49,000 |
| Essex County, MA | 62 | $ 13,710,000 | $ 221,129 | $ 86,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 62 | $ 7,837,000 | $ 126,403 | $ 50,000 |
| Milwaukee-Waukesha-West Allis, WI | 61 | $ 6,719,000 | $ 110,147 | $ 53,000 |
| Huntsville, AL | 60 | $ 5,728,000 | $ 95,466 | $ 44,000 |
| Jackson, MI | 60 | $ 5,970,000 | $ 99,500 | $ 34,000 |
| Lincoln, NE | 60 | $ 4,583,000 | $ 76,383 | $ 34,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 59 | $ 9,563,000 | $ 162,084 | $ 55,000 |
| Rockford, IL | 59 | $ 4,763,000 | $ 80,728 | $ 47,000 |
| Spokane, WA | 59 | $ 6,159,000 | $ 104,389 | $ 53,000 |
| Bridgeport-Stamford-Norwalk, CT | 58 | $ 8,350,000 | $ 143,965 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 56 | $ 23,195,000 | $ 414,196 | $ 111,000 |
| Trenton-Ewing, NJ | 56 | $ 6,343,000 | $ 113,267 | $ 86,000 |
| Salisbury, MD | 55 | $ 6,774,000 | $ 123,163 | $ 50,000 |
| Kennewick-Richland-Pasco, WA | 54 | $ 5,999,000 | $ 111,092 | $ 45,000 |
| Youngstown-Warren-Boardman, OH-PA | 52 | $ 3,746,000 | $ 72,038 | $ 44,000 |
| Hagerstown-Martinsburg, MD-WV | 50 | $ 7,701,000 | $ 154,020 | $ 34,000 |
| Montgomery, AL | 49 | $ 4,514,000 | $ 92,122 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 48 | $ 7,447,000 | $ 155,145 | $ 68,000 |
| New Haven-Milford, CT | 48 | $ 7,854,000 | $ 163,625 | $ 58,000 |
| Vallejo-Fairfield, CA | 46 | $ 12,247,000 | $ 266,239 | $ 78,000 |
| Killeen-Temple-Fort Hood, TX | 45 | $ 5,046,000 | $ 112,133 | $ 27,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 45 | $ 14,894,000 | $ 330,977 | $ 90,000 |
| Kokomo, IN | 44 | $ 5,107,000 | $ 116,068 | $ 43,000 |
| Holland-Grand Haven, MI | 43 | $ 5,104,000 | $ 118,697 | $ 41,000 |
| Rocky Mount, NC | 43 | $ 4,056,000 | $ 94,325 | $ 40,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 42 | $ 5,368,000 | $ 127,809 | $ 38,000 |
| Ann Arbor, MI | 42 | $ 8,070,000 | $ 192,142 | $ 76,000 |
| Binghamton, NY | 42 | $ 2,870,000 | $ 68,333 | $ 49,000 |
| Manchester-Nashua, NH | 42 | $ 7,114,000 | $ 169,380 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 42 | $ 15,234,000 | $ 362,714 | $ 89,000 |
| Bellingham, WA | 41 | $ 6,105,000 | $ 148,902 | $ 55,000 |
| Elizabethtown, KY | 40 | $ 3,607,000 | $ 90,175 | $ 39,000 |
| Muskegon-Norton Shores, MI | 38 | $ 3,456,000 | $ 90,947 | $ 44,000 |
| Providence-New Bedford-Fall River, RI-MA | 38 | $ 6,416,000 | $ 168,842 | $ 69,000 |
| Pueblo, CO | 36 | $ 5,218,000 | $ 144,944 | $ 48,000 |
| Redding, CA | 36 | $ 6,202,000 | $ 172,277 | $ 51,000 |
| Reno-Sparks, NV | 36 | $ 5,175,000 | $ 143,750 | $ 59,000 |
| Baton Rouge, LA | 35 | $ 2,483,000 | $ 70,942 | $ 27,000 |
| Goldsboro, NC | 34 | $ 3,149,000 | $ 92,617 | $ 36,000 |
| Muncie, IN | 34 | $ 2,173,000 | $ 63,911 | $ 39,000 |
| Tallahassee, FL | 33 | $ 3,139,000 | $ 95,121 | $ 42,000 |
| Barnstable Town, MA | 31 | $ 7,173,000 | $ 231,387 | $ 62,000 |
| Sandusky, OH | 31 | $ 3,628,000 | $ 117,032 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 31 | $ 3,720,000 | $ 120,000 | $ 34,000 |
| Salinas, CA | 30 | $ 13,434,000 | $ 447,800 | $ 202,000 |
| Anderson, SC | 29 | $ 2,519,000 | $ 86,862 | $ 31,000 |
| Flagstaff, AZ | 29 | $ 3,500,000 | $ 120,689 | $ 55,000 |
| Columbia, MO | 28 | $ 3,261,000 | $ 116,464 | $ 25,000 |
| New Orleans-Metairie-Kenner, LA | 28 | $ 3,725,000 | $ 133,035 | $ 65,000 |
| Racine, WI | 28 | $ 2,569,000 | $ 91,750 | $ 39,000 |
| Spartanburg, SC | 28 | $ 2,607,000 | $ 93,107 | $ 70,000 |
| Dover, DE | 27 | $ 3,317,000 | $ 122,851 | $ 34,000 |
| Harrisonburg, VA | 27 | $ 3,540,000 | $ 131,111 | $ 42,000 |
| Jacksonville, NC | 27 | $ 3,112,000 | $ 115,259 | $ 43,000 |
| Lancaster, PA | 27 | $ 3,240,000 | $ 120,000 | $ 37,000 |
| Medford, OR | 26 | $ 3,322,000 | $ 127,769 | $ 39,000 |
| Monroe, MI | 26 | $ 3,381,000 | $ 130,038 | $ 32,000 |
| Eugene-Springfield, OR | 25 | $ 3,843,000 | $ 153,720 | $ 45,000 |
| Kankakee-Bradley, IL | 25 | $ 2,518,000 | $ 100,720 | $ 39,000 |
| Bremerton-Silverdale, WA | 24 | $ 4,126,000 | $ 171,916 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 24 | $ 2,510,000 | $ 104,583 | $ 29,000 |
| Santa Rosa-Petaluma, CA | 24 | $ 6,969,000 | $ 290,375 | $ 76,000 |
| Wenatchee, WA | 24 | $ 2,330,000 | $ 97,083 | $ 71,000 |
| Cedar Rapids, IA | 23 | $ 2,189,000 | $ 95,173 | $ 32,000 |
| Florence, SC | 23 | $ 1,835,000 | $ 79,782 | $ 36,000 |
| Naples-Marco Island, FL | 23 | $ 6,016,000 | $ 261,565 | $ 554,000 |
| Punta Gorda, FL | 23 | $ 5,315,000 | $ 231,086 | $ 177,000 |
| Reading, PA | 23 | $ 2,553,000 | $ 111,000 | $ 36,000 |
| Springfield, MA | 23 | $ 2,915,000 | $ 126,739 | $ 42,000 |
| Vero Beach, FL | 23 | $ 3,485,000 | $ 151,521 | $ 56,000 |
| Greenville, NC | 22 | $ 1,751,000 | $ 79,590 | $ 33,000 |
| Mount Vernon-Anacortes, WA | 22 | $ 2,943,000 | $ 133,772 | $ 40,000 |
| Wichita, KS | 22 | $ 1,942,000 | $ 88,272 | $ 29,000 |
| Atlantic City, NJ | 21 | $ 5,644,000 | $ 268,761 | $ 172,000 |
| Rochester, NY | 21 | $ 2,106,000 | $ 100,285 | $ 90,000 |
| Terre Haute, IN | 21 | $ 1,713,000 | $ 81,571 | $ 62,000 |
| Wilmington, DE-MD-NJ | 21 | $ 3,184,000 | $ 151,619 | $ 39,000 |
| Coeur D'Alene, ID | 20 | $ 2,665,000 | $ 133,250 | $ 102,000 |
| Des Moines, IA | 20 | $ 2,404,000 | $ 120,200 | $ 48,000 |
| Gainesville, GA | 20 | $ 2,021,000 | $ 101,050 | $ 38,000 |
| Owensboro, KY | 20 | $ 1,569,000 | $ 78,450 | $ 31,000 |
| Springfield, OH | 20 | $ 1,983,000 | $ 99,150 | $ 44,000 |
| Mansfield, OH | 19 | $ 1,668,000 | $ 87,789 | $ 36,000 |
| Ocean City, NJ | 19 | $ 5,918,000 | $ 311,473 | $ 28,000 |
| Pocatello, ID | 19 | $ 1,717,000 | $ 90,368 | $ 56,000 |
| Honolulu, HI | 17 | $ 3,768,000 | $ 221,647 | $ 87,000 |
| Jackson, MS | 17 | $ 1,646,000 | $ 96,823 | $ 23,000 |
| Syracuse, NY | 17 | $ 1,256,000 | $ 73,882 | $ 30,000 |
| Gainesville, FL | 16 | $ 1,876,000 | $ 117,250 | $ 41,000 |
| Green Bay, WI | 16 | $ 2,511,000 | $ 156,937 | $ 50,000 |
| Madison, WI | 16 | $ 2,287,000 | $ 142,937 | $ 48,000 |
| Albany-Schenectady-Troy, NY | 15 | $ 1,827,000 | $ 121,800 | $ 20,000 |
| Auburn-Opelika, AL | 15 | $ 1,346,000 | $ 89,733 | $ 52,000 |
| Joplin, MO | 15 | $ 1,643,000 | $ 109,533 | $ 41,000 |
| Macon, GA | 15 | $ 1,007,000 | $ 67,133 | $ 35,000 |
| Rome, GA | 15 | $ 828,000 | $ 55,200 | $ 23,000 |
| Beaumont-Port Arthur, TX | 14 | $ 1,505,000 | $ 107,500 | $ 41,000 |
| Buffalo-Niagara Falls, NY | 14 | $ 1,275,000 | $ 91,071 | $ 14,000 |
| Burlington-South Burlington, VT | 14 | $ 2,028,000 | $ 144,857 | $ 79,000 |
| Corpus Christi, TX | 14 | $ 1,197,000 | $ 85,500 | $ 46,000 |
| Danville, VA | 14 | $ 1,249,000 | $ 89,214 | $ 33,000 |
| Lawton, OK | 14 | $ 1,406,000 | $ 100,428 | $ 26,000 |
| Lubbock, TX | 14 | $ 713,000 | $ 50,928 | $ 17,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 3,645,000 | $ 260,357 | $ 70,000 |
| Waco, TX | 14 | $ 1,479,000 | $ 105,642 | $ 33,000 |
| Chattanooga, TN-GA | 13 | $ 1,411,000 | $ 108,538 | $ 41,000 |
| College Station-Bryan, TX | 13 | $ 1,678,000 | $ 129,076 | $ 52,000 |
| Columbus, GA-AL | 13 | $ 1,550,000 | $ 119,230 | $ 30,000 |
| Florence-Muscle Shoals, AL | 13 | $ 902,000 | $ 69,384 | $ 75,000 |
| Fort Walton Beach-Crestview-Destin, FL | 13 | $ 1,343,000 | $ 103,307 | $ 56,000 |
| Hinesville-Fort Stewart, GA | 13 | $ 927,000 | $ 71,307 | $ 39,000 |
| Morristown, TN | 13 | $ 1,295,000 | $ 99,615 | $ 44,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 3,780,000 | $ 290,769 | $ 68,000 |
| Utica-Rome, NY | 13 | $ 1,105,000 | $ 85,000 | $ 19,000 |
| Yuma, AZ | 13 | $ 1,839,000 | $ 141,461 | $ 55,000 |
| Brunswick, GA | 12 | $ 1,354,000 | $ 112,833 | $ 71,000 |
| Erie, PA | 12 | $ 908,000 | $ 75,666 | $ 26,000 |
| Missoula, MT | 12 | $ 1,303,000 | $ 108,583 | $ 29,000 |
| Valdosta, GA | 12 | $ 1,477,000 | $ 123,083 | $ 56,000 |
| Vineland-Millville-Bridgeton, NJ | 12 | $ 1,420,000 | $ 118,333 | $ 38,000 |
| Athens-Clarke County, GA | 11 | $ 1,424,000 | $ 129,454 | $ 92,000 |
| Charlottesville, VA | 11 | $ 1,268,000 | $ 115,272 | $ 49,000 |
| Jefferson City, MO | 11 | $ 1,179,000 | $ 107,181 | $ 34,000 |
| Lima, OH | 11 | $ 891,000 | $ 81,000 | $ 29,000 |
| Merced, CA | 11 | $ 2,616,000 | $ 237,818 | $ 68,000 |
| Roanoke, VA | 11 | $ 1,028,000 | $ 93,454 | $ 28,000 |
| Tyler, TX | 11 | $ 1,003,000 | $ 91,181 | $ 42,000 |
| Williamsport, PA | 11 | $ 853,000 | $ 77,545 | $ 26,000 |
| Cheyenne, WY | 10 | $ 740,000 | $ 74,000 | $ 23,000 |
| Fairbanks, AK | 9 | $ 1,524,000 | $ 169,333 | $ 72,000 |
| Fond Du Lac, WI | 9 | $ 1,214,000 | $ 134,888 | $ 45,000 |
| Hot Springs, AR | 9 | $ 979,000 | $ 108,777 | $ 84,000 |
| Lynchburg, VA | 9 | $ 829,000 | $ 92,111 | $ 34,000 |
| Napa, CA | 9 | $ 3,954,000 | $ 439,333 | $ 110,000 |
| Panama City-Lynn Haven, FL | 9 | $ 1,233,000 | $ 137,000 | $ 21,000 |
| Sherman-Denison, TX | 9 | $ 627,000 | $ 69,666 | $ 23,000 |
| Yakima, WA | 9 | $ 856,000 | $ 95,111 | $ 13,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 878,000 | $ 109,750 | $ 33,000 |
| Great Falls, MT | 8 | $ 442,000 | $ 55,250 | $ 73,000 |
| Hattiesburg, MS | 8 | $ 698,000 | $ 87,250 | $ 87,000 |
| Ithaca, NY | 8 | $ 1,233,000 | $ 154,125 | $ 54,000 |
| Lawrence, KS | 8 | $ 1,093,000 | $ 136,625 | $ 73,000 |
| Mobile, AL | 8 | $ 574,000 | $ 71,750 | $ 38,000 |
| Topeka, KS | 8 | $ 521,000 | $ 65,125 | $ 32,000 |
| Albany, GA | 7 | $ 678,000 | $ 96,857 | $ 30,000 |
| Appleton, WI | 7 | $ 821,000 | $ 117,285 | $ 43,000 |
| Billings, MT | 7 | $ 760,000 | $ 108,571 | $ 39,000 |
| Charleston, WV | 7 | $ 833,000 | $ 119,000 | $ 52,000 |
| Danville, IL | 7 | $ 851,000 | $ 121,571 | $ 97,000 |
| Farmington, NM | 7 | $ 724,000 | $ 103,428 | $ 40,000 |
| Gulfport-Biloxi, MS | 7 | $ 650,000 | $ 92,857 | $ 56,000 |
| Kingston, NY | 7 | $ 1,571,000 | $ 224,428 | $ 81,000 |
| Las Cruces, NM | 7 | $ 713,000 | $ 101,857 | $ 47,000 |
| Norwich-New London, CT | 7 | $ 833,000 | $ 119,000 | $ 98,000 |
| Santa Fe, NM | 7 | $ 950,000 | $ 135,714 | $ 83,000 |
| Sioux Falls, SD | 7 | $ 1,524,000 | $ 217,714 | $ 94,000 |
| St. Joseph, MO-KS | 7 | $ 585,000 | $ 83,571 | $ 61,000 |
| Abilene, TX | 6 | $ 471,000 | $ 78,500 | $ 39,000 |
| Corvallis, OR | 6 | $ 896,000 | $ 149,333 | $ 63,000 |
| Cumberland, MD-WV | 6 | $ 484,000 | $ 80,666 | $ 102,000 |
| Fort Smith, AR-OK | 6 | $ 502,000 | $ 83,666 | $ 18,000 |
| Jackson, TN | 6 | $ 612,000 | $ 102,000 | $ 8,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 564,000 | $ 94,000 | $ 44,000 |
| Pine Bluff, AR | 6 | $ 571,000 | $ 95,166 | $ 41,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,690,000 | $ 448,333 | $ 132,000 |
| Sumter, SC | 6 | $ 501,000 | $ 83,500 | $ 28,000 |
| Tuscaloosa, AL | 6 | $ 552,000 | $ 92,000 | $ 54,000 |
| Warner Robins, GA | 6 | $ 647,000 | $ 107,833 | $ 29,000 |
| Wichita Falls, TX | 6 | $ 384,000 | $ 64,000 | $ 41,000 |
| Bowling Green, KY | 5 | $ 499,000 | $ 99,800 | $ 35,000 |
| Decatur, AL | 5 | $ 453,000 | $ 90,600 | $ 44,000 |
| Eau Claire, WI | 5 | $ 653,000 | $ 130,600 | $ 56,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 476,000 | $ 95,200 | $ 20,000 |
| Janesville, WI | 5 | $ 347,000 | $ 69,400 | $ 59,000 |
| Lafayette, LA | 5 | $ 582,000 | $ 116,400 | $ 45,000 |
| Lake Charles, LA | 5 | $ 572,000 | $ 114,400 | $ 50,000 |
| Lebanon, PA | 5 | $ 528,000 | $ 105,600 | $ 30,000 |
| Longview, TX | 5 | $ 477,000 | $ 95,400 | $ 28,000 |
| Victoria, TX | 5 | $ 673,000 | $ 134,600 | $ 65,000 |
| Alexandria, LA | 4 | $ 464,000 | $ 116,000 | $ 38,000 |
| Bloomington-Normal, IL | 4 | $ 290,000 | $ 72,500 | $ 72,000 |
| Casper, WY | 4 | $ 268,000 | $ 67,000 | $ 47,000 |
| Decatur, IL | 4 | $ 202,000 | $ 50,500 | $ 39,000 |
| El Centro, CA | 4 | $ 615,000 | $ 153,750 | $ 86,000 |
| Glens Falls, NY | 4 | $ 454,000 | $ 113,500 | $ 45,000 |
| Idaho Falls, ID | 4 | $ 582,000 | $ 145,500 | $ 68,000 |
| Johnson City, TN | 4 | $ 315,000 | $ 78,750 | $ 36,000 |
| La Crosse, WI-MN | 4 | $ 279,000 | $ 69,750 | $ 11,000 |
| Midland, TX | 4 | $ 358,000 | $ 89,500 | $ 0 |
| Oshkosh-Neenah, WI | 4 | $ 319,000 | $ 79,750 | $ 35,000 |
| Pittsfield, MA | 4 | $ 300,000 | $ 75,000 | $ 38,000 |
| State College, PA | 4 | $ 384,000 | $ 96,000 | $ 54,000 |
| Altoona, PA | 3 | $ 286,000 | $ 95,333 | $ 44,000 |
| Amarillo, TX | 3 | $ 330,000 | $ 110,000 | $ 33,000 |
| Carson City, NV | 3 | $ 602,000 | $ 200,666 | $ 42,000 |
| Duluth, MN-WI | 3 | $ 266,000 | $ 88,666 | $ 21,000 |
| Gadsden, AL | 3 | $ 335,000 | $ 111,666 | $ 12,000 |
| Iowa City, IA | 3 | $ 262,000 | $ 87,333 | $ 64,000 |
| Lewiston, ID-WA | 3 | $ 262,000 | $ 87,333 | $ 60,000 |
| Monroe, LA | 3 | $ 375,000 | $ 125,000 | $ 26,000 |
| Morgantown, WV | 3 | $ 244,000 | $ 81,333 | $ 18,000 |
| Parkersburg-Marietta, WV-OH | 3 | $ 330,000 | $ 110,000 | $ 37,000 |
| Springfield, IL | 3 | $ 272,000 | $ 90,666 | $ 14,000 |
| Anniston-Oxford, AL | 2 | $ 137,000 | $ 68,500 | $ 7,000 |
| Bismarck, ND | 2 | $ 172,000 | $ 86,000 | $ 40,000 |
| Champaign-Urbana, IL | 2 | $ 237,000 | $ 118,500 | $ 57,000 |
| Cleveland, TN | 2 | $ 190,000 | $ 95,000 | $ 42,000 |
| Dalton, GA | 2 | $ 240,000 | $ 120,000 | $ 16,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 259,000 | $ 129,500 | $ 30,000 |
| Grand Forks, ND-MN | 2 | $ 217,000 | $ 108,500 | $ 52,000 |
| Laredo, TX | 2 | $ 207,000 | $ 103,500 | $ 0 |
| Rochester, MN | 2 | $ 353,000 | $ 176,500 | $ 96,000 |
| San Angelo, TX | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 2 | $ 175,000 | $ 87,500 | $ 15,000 |
| Wausau, WI | 2 | $ 232,000 | $ 116,000 | $ 46,000 |
| Bangor, ME | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Logan, UT-ID | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Pascagoula, MS | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Sheboygan, WI | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| St. Cloud, MN | 1 | $ 237,000 | $ 237,000 | $ 53,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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