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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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KEYBANK USA, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEYBANK USA, N.A. |
| Address | 127 PUBLIC SQUARE
CLEVELAND, OH 44114 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 199,900 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,235,156,000 |
| Average Mortgage Loan Amount Applied For | $48,979 |
| Highest Mortgage Loan Amount Applied For | $5,300,000 |
| Average Applicant Income | $50,996 |
| Highest Applicant Income | $4,694,000 |
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| Home Improvement (one-to-four family) |
93,806 | $1,831,508,000 |
$15,803 | $5,300,000 |
$54,098 | $4,694,000 |
| Home Purchase (one-to-four family) |
4,683 | $567,296,000 |
$110,458 | $1,500,000 |
$55,750 | $1,000,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
101,419 | $14,836,648,000 |
$120,100 | $3,242,000 |
$54,880 | $1,950,000 |
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| American Indian or Alaskan Native |
901 | $75,467,000 |
$57,840 | $650,000 |
$60,727 | $366,000 |
| Asian or Pacific Islander |
2,491 | $281,840,000 |
$72,809 | $1,080,000 |
$66,571 | $1,000,000 |
| Black |
18,519 | $1,089,737,000 |
$46,195 | $1,120,000 |
$52,804 | $1,088,000 |
| Hispanic |
10,415 | $756,146,000 |
$52,021 | $3,235,000 |
$55,956 | $4,694,000 |
| Information not provided by applicant in mail or telephone application |
56,584 | $6,886,302,000 |
$103,060 | $2,800,000 |
$53,700 | $1,950,000 |
| Not applicable |
2,005 | $108,676,000 |
$76,052 | $750,000 |
$23,078 | $300,000 |
| Other |
2,291 | $237,911,000 |
$63,720 | $920,000 |
$55,953 | $960,000 |
| White |
106,702 | $7,799,373,000 |
$52,549 | $5,300,000 |
$55,882 | $3,600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
199,847 | $17,233,967,000 |
$60,098 | $5,300,000 |
$54,215 | $4,694,000 |
| FHA-insured (Federal Housing Administration) |
18 | $525,000 |
$32,750 | $165,000 |
$69,500 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
6 | $123,000 |
$22,000 | $32,000 |
$56,400 | $113,000 |
| VA-guaranteed (Veterans Administration) |
37 | $837,000 |
$19,444 | $115,000 |
$64,277 | $176,000 |
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| Application Approved But Not Accepted |
51,848 | $4,862,736,000 |
$61,200 | $3,242,000 |
$61,340 | $1,498,000 |
| Application Denied By Financial Institution |
63,701 | $4,195,597,000 |
$51,215 | $5,300,000 |
$48,607 | $4,694,000 |
| Application Withdrawn By Applicant |
36,927 | $4,955,803,000 |
$104,140 | $2,130,000 |
$59,740 | $1,950,000 |
| File Closed For Incompleteness |
31 | $3,390,000 |
$123,722 | $429,000 |
$67,166 | $191,000 |
| Loan Originated |
45,289 | $3,103,552,000 |
$50,840 | $1,277,000 |
$60,700 | $2,937,000 |
| Loan Purchased By The Institution |
2,112 | $114,374,000 |
$62,085 | $750,000 |
$19,285 | $427,000 |
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| Collateral |
7,538 | $697,490,000 |
$68,708 | $1,135,000 |
$51,979 | $3,600,000 |
| Credit Application Incomplete |
152 | $22,483,000 |
$146,538 | $520,000 |
$82,538 | $720,000 |
| Credit History |
28,926 | $1,144,198,000 |
$34,265 | $2,125,000 |
$51,326 | $4,694,000 |
| Debt-To-Income Ratio |
19,924 | $1,587,774,000 |
$52,500 | $5,300,000 |
$38,800 | $1,271,000 |
| Employment History |
234 | $24,228,000 |
$95,513 | $1,750,000 |
$53,189 | $565,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $17,000 |
$8,500 | $13,000 |
$26,500 | $36,000 |
| Mortgage Insurance Denied |
1 | $6,000 |
$6,000 | $6,000 |
$5,000 | $5,000 |
| Other |
6,126 | $617,405,000 |
$78,591 | $2,800,000 |
$56,795 | $845,000 |
| Unverifiable Information |
798 | $101,996,000 |
$108,294 | $1,500,000 |
$46,911 | $1,000,000 |
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Mortgage Loan App Totals for KEYBANK USA, N.A. by:
Metropolitan Area And
County
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