Keybank National Association Mortgage Lending & HMDA Data, 2003

In 2003, Keybank National Association of Cleveland, OH reported 27,576 mortgage applications totaling $2.3 billion. The average application was for $82,151, and applicants reported an average income of $76,953. 57% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Cleveland-Lorain-Elyria, OH (3,268), Buffalo-Niagara Falls, NY (1,501) and Syracuse, NY (1,092) (applications in parentheses).

Mortgage Company & Address Keybank National Association
100 Public Square Ste 600 Oh-01-10-06006
Cleveland, OH 44113
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 27,576
Total Mortgage Loan Application Amount $2,265,406,000
Average Mortgage Loan Application Amount $82,151
Highest Mortgage Loan Application Amount $6,275,000
Average Applicant Income $76,953
Highest Applicant Income $6,700,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Keybank National Association by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 2,551 $ 199,930,000 $ 78,373 $ 74,000
Erie, New York 1,210 $ 68,886,000 $ 56,930 $ 52,000
Lucas, Ohio 740 $ 54,131,000 $ 73,150 $ 69,000
King, Washington 739 $ 126,055,000 $ 170,575 $ 106,000
Onondaga, New York 648 $ 39,139,000 $ 60,399 $ 65,000
Cumberland, Maine 606 $ 75,872,000 $ 125,201 $ 96,000
Pierce, Washington 568 $ 58,589,000 $ 103,149 $ 60,000
Franklin, Ohio 505 $ 50,163,000 $ 99,332 $ 72,000
Summit, Ohio 446 $ 42,084,000 $ 94,358 $ 71,000
Montgomery, Ohio 444 $ 34,305,000 $ 77,263 $ 77,000
Marion, Indiana 398 $ 20,102,000 $ 50,507 $ 74,000
Aroostook, Maine 361 $ 15,454,000 $ 42,808 $ 54,000
Albany, New York 361 $ 32,853,000 $ 91,005 $ 93,000
Stark, Ohio 348 $ 21,736,000 $ 62,459 $ 59,000
Ada, Idaho 337 $ 52,675,000 $ 156,305 $ 130,000
Salt Lake, Utah 322 $ 22,481,000 $ 69,816 $ 71,000
Jefferson, New York 320 $ 13,661,000 $ 42,690 $ 61,000
Niagara, New York 291 $ 17,047,000 $ 58,580 $ 52,000
Elkhart, Indiana 288 $ 19,055,000 $ 66,163 $ 57,000
Hamilton, Ohio 279 $ 27,290,000 $ 97,813 $ 78,000
St. Joseph, Indiana 274 $ 19,503,000 $ 71,178 $ 64,000
Penobscot, Maine 264 $ 13,082,000 $ 49,553 $ 57,000
Kennebec, Maine 239 $ 13,386,000 $ 56,008 $ 55,000
Monroe, New York 230 $ 13,615,000 $ 59,195 $ 56,000
Oswego, New York 227 $ 7,699,000 $ 33,916 $ 74,000
York, Maine 224 $ 20,479,000 $ 91,424 $ 76,000
Ulster, New York 213 $ 15,765,000 $ 74,014 $ 55,000
Orange, New York 207 $ 20,256,000 $ 97,855 $ 77,000
Mahoning, Ohio 202 $ 9,965,000 $ 49,331 $ 68,000
Multnomah, Oregon 202 $ 27,560,000 $ 136,435 $ 76,000
Saratoga, New York 198 $ 20,148,000 $ 101,757 $ 83,000
Thurston, Washington 192 $ 16,868,000 $ 87,854 $ 72,000
Monroe, Michigan 188 $ 16,452,000 $ 87,510 $ 75,000
Ashtabula, Ohio 186 $ 8,145,000 $ 43,790 $ 54,000
Chittenden, Vermont 186 $ 20,699,000 $ 111,284 $ 62,000
St. Lawrence, New York 185 $ 6,260,000 $ 33,837 $ 46,000
Lane, Oregon 181 $ 14,926,000 $ 82,464 $ 52,000
Denver, Colorado 177 $ 19,263,000 $ 108,830 $ 89,000
Hamilton, Indiana 173 $ 18,059,000 $ 104,387 $ 95,000
Lewis, New York 170 $ 3,300,000 $ 19,411 $ 46,000
Clackamas, Oregon 169 $ 19,792,000 $ 117,112 $ 87,000
Anchorage, Alaska 166 $ 17,806,000 $ 107,265 $ 75,000
Lake, Ohio 165 $ 16,894,000 $ 102,387 $ 72,000
Medina, Ohio 165 $ 10,149,000 $ 61,509 $ 67,000
Clinton, New York 159 $ 5,192,000 $ 32,654 $ 44,000
Snohomish, Washington 159 $ 12,147,000 $ 76,396 $ 82,000
Wood, Ohio 156 $ 16,163,000 $ 103,608 $ 74,000
Richland, Ohio 155 $ 8,801,000 $ 56,780 $ 65,000
Marion, Oregon 154 $ 13,393,000 $ 86,967 $ 60,000
Lenawee, Michigan 153 $ 10,005,000 $ 65,392 $ 54,000
Rensselaer, New York 147 $ 10,802,000 $ 73,482 $ 77,000
Washington, Oregon 143 $ 14,848,000 $ 103,832 $ 71,000
Clark, Ohio 140 $ 6,422,000 $ 45,871 $ 67,000
Canyon, Idaho 136 $ 10,103,000 $ 74,286 $ 61,000
Cayuga, New York 135 $ 5,053,000 $ 37,429 $ 50,000
Chautauqua, New York 133 $ 5,752,000 $ 43,248 $ 55,000
Dutchess, New York 132 $ 14,060,000 $ 106,515 $ 72,000
Jefferson, Colorado 131 $ 11,256,000 $ 85,923 $ 85,000
Howard, Indiana 131 $ 7,295,000 $ 55,687 $ 54,000
Arapahoe, Colorado 130 $ 15,384,000 $ 118,338 $ 124,000
Lorain, Ohio 127 $ 13,141,000 $ 103,472 $ 84,000
Trumbull, Ohio 125 $ 2,587,000 $ 20,696 $ 43,000
Jackson, Oregon 125 $ 12,766,000 $ 102,128 $ 55,000
Androscoggin, Maine 116 $ 8,378,000 $ 72,224 $ 57,000
Schenectady, New York 114 $ 8,449,000 $ 74,114 $ 61,000
Adams, Colorado 113 $ 5,218,000 $ 46,176 $ 67,000
Portage, Ohio 113 $ 9,384,000 $ 83,044 $ 62,000
Washtenaw, Michigan 112 $ 16,152,000 $ 144,214 $ 95,000
Bannock, Idaho 110 $ 7,392,000 $ 67,200 $ 58,000
Erie, Ohio 110 $ 7,734,000 $ 70,309 $ 67,000
Linn, Oregon 110 $ 8,265,000 $ 75,136 $ 44,000
Madison, Indiana 109 $ 4,222,000 $ 38,733 $ 49,000
Butler, Ohio 109 $ 6,961,000 $ 63,862 $ 86,000
Kitsap, Washington 109 $ 10,887,000 $ 99,880 $ 66,000
El Paso, Colorado 105 $ 6,268,000 $ 59,695 $ 75,000
Johnson, Indiana 105 $ 5,297,000 $ 50,447 $ 60,000
Weber, Utah 104 $ 4,821,000 $ 46,355 $ 87,000
Grant, Washington 104 $ 7,811,000 $ 75,105 $ 44,000
Larimer, Colorado 103 $ 6,222,000 $ 60,407 $ 67,000
Huron, Ohio 102 $ 4,138,000 $ 40,568 $ 54,000
Clermont, Ohio 101 $ 6,841,000 $ 67,732 $ 58,000
Yakima, Washington 101 $ 9,413,000 $ 93,198 $ 64,000
Oxford, Maine 100 $ 5,337,000 $ 53,370 $ 43,000
Davis, Utah 100 $ 5,204,000 $ 52,040 $ 101,000
Waldo, Maine 94 $ 6,301,000 $ 67,031 $ 78,000
Columbia, New York 94 $ 4,707,000 $ 50,074 $ 51,000
Oneida, New York 91 $ 3,421,000 $ 37,593 $ 71,000
Greene, Ohio 90 $ 11,033,000 $ 122,588 $ 83,000
Oakland, Michigan 87 $ 9,856,000 $ 113,287 $ 114,000
Lewis, Washington 85 $ 4,534,000 $ 53,341 $ 52,000
Bonneville, Idaho 83 $ 6,692,000 $ 80,626 $ 59,000
Madison, New York 82 $ 4,083,000 $ 49,792 $ 73,000
Benton, Washington 81 $ 6,398,000 $ 78,987 $ 64,000
Utah, Utah 80 $ 4,913,000 $ 61,412 $ 79,000
Somerset, Maine 77 $ 3,397,000 $ 44,116 $ 47,000
Franklin, New York 75 $ 1,927,000 $ 25,693 $ 63,000
Geauga, Ohio 74 $ 11,774,000 $ 159,108 $ 155,000
Wayne, New York 73 $ 3,169,000 $ 43,410 $ 50,000
Otsego, New York 72 $ 4,256,000 $ 59,111 $ 52,000
Seneca, Ohio 72 $ 3,714,000 $ 51,583 $ 45,000
Clark, Washington 70 $ 9,414,000 $ 134,485 $ 111,000
Montgomery, New York 68 $ 2,645,000 $ 38,897 $ 59,000
Shelby, Indiana 67 $ 2,129,000 $ 31,776 $ 56,000
Kosciusko, Indiana 66 $ 2,861,000 $ 43,348 $ 62,000
Boulder, Colorado 63 $ 8,070,000 $ 128,095 $ 152,000
Knox, Maine 63 $ 6,702,000 $ 106,380 $ 72,000
Livingston, New York 62 $ 2,930,000 $ 47,258 $ 53,000
Columbiana, Ohio 61 $ 3,132,000 $ 51,344 $ 74,000
Boone, Indiana 60 $ 4,024,000 $ 67,066 $ 55,000
Mason, Washington 60 $ 6,202,000 $ 103,366 $ 83,000
Morgan, Indiana 55 $ 2,273,000 $ 41,327 $ 60,000
Cortland, New York 55 $ 1,340,000 $ 24,363 $ 54,000
Cattaraugus, New York 54 $ 2,704,000 $ 50,074 $ 54,000
Fulton, New York 52 $ 1,890,000 $ 36,346 $ 46,000
Bingham, Idaho 51 $ 2,675,000 $ 52,450 $ 45,000
Matanuska-Susitna, Alaska 50 $ 3,773,000 $ 75,460 $ 107,000
Lincoln, Maine 49 $ 4,090,000 $ 83,469 $ 65,000
Greene, New York 49 $ 3,836,000 $ 78,285 $ 64,000
Sagadahoc, Maine 48 $ 5,878,000 $ 122,458 $ 131,000
Sandusky, Ohio 48 $ 3,249,000 $ 67,687 $ 61,000
Weld, Colorado 47 $ 2,625,000 $ 55,851 $ 87,000
Whatcom, Washington 47 $ 7,229,000 $ 153,808 $ 128,000
Hancock, Maine 46 $ 3,511,000 $ 76,326 $ 84,000
Addison, Vermont 46 $ 4,218,000 $ 91,695 $ 59,000
Cassia, Idaho 45 $ 1,508,000 $ 33,511 $ 48,000
Steuben, Indiana 45 $ 2,817,000 $ 62,600 $ 45,000
Clallam, Washington 45 $ 4,274,000 $ 94,977 $ 67,000
Fairbanks North Star, Alaska 44 $ 3,496,000 $ 79,454 $ 97,000
Starke, Indiana 44 $ 1,811,000 $ 41,159 $ 40,000
Franklin, Vermont 44 $ 3,149,000 $ 71,568 $ 46,000
Piscataquis, Maine 43 $ 1,625,000 $ 37,790 $ 48,000
Wayne, Michigan 43 $ 3,541,000 $ 82,348 $ 62,000
Fremont, Idaho 42 $ 2,088,000 $ 49,714 $ 47,000
Warren, New York 42 $ 3,761,000 $ 89,547 $ 197,000
Douglas, Colorado 41 $ 6,604,000 $ 161,073 $ 165,000
Warren, Ohio 41 $ 6,224,000 $ 151,804 $ 129,000
San Juan, Washington 41 $ 7,752,000 $ 189,073 $ 124,000
Ontario, New York 40 $ 2,552,000 $ 63,800 $ 97,000
Delaware, Ohio 40 $ 7,172,000 $ 179,300 $ 238,000
Hancock, Ohio 40 $ 3,246,000 $ 81,150 $ 66,000
Rutland, Vermont 40 $ 3,379,000 $ 84,475 $ 54,000
St. Joseph, Michigan 39 $ 2,918,000 $ 74,820 $ 55,000
Franklin, Maine 38 $ 2,398,000 $ 63,105 $ 73,000
Washington, New York 37 $ 2,320,000 $ 62,702 $ 62,000
Ottawa, Ohio 37 $ 3,192,000 $ 86,270 $ 67,000
Twin Falls, Idaho 36 $ 3,775,000 $ 104,861 $ 71,000
Tooele, Utah 35 $ 3,568,000 $ 101,942 $ 73,000
Pacific, Washington 35 $ 2,133,000 $ 60,942 $ 78,000
Livingston, Michigan 33 $ 3,852,000 $ 116,727 $ 93,000
Schoharie, New York 33 $ 1,772,000 $ 53,696 $ 50,000
Chelan, Washington 33 $ 4,296,000 $ 130,181 $ 124,000
Lee, Florida 32 $ 7,836,000 $ 244,875 $ 235,000
Cass, Michigan 32 $ 2,666,000 $ 83,312 $ 69,000
Sullivan, New York 32 $ 1,366,000 $ 42,687 $ 95,000
Marshall, Indiana 31 $ 1,869,000 $ 60,290 $ 49,000
Carroll, Ohio 31 $ 1,494,000 $ 48,193 $ 47,000
Genesee, New York 30 $ 1,517,000 $ 50,566 $ 76,000
Yamhill, Oregon 30 $ 2,476,000 $ 82,533 $ 61,000
Essex, New York 29 $ 2,475,000 $ 85,344 $ 287,000
Skagit, Washington 28 $ 2,403,000 $ 85,821 $ 64,000
Stevens, Washington 28 $ 1,583,000 $ 56,535 $ 58,000
Collier, Florida 27 $ 9,074,000 $ 336,074 $ 274,000
Hendricks, Indiana 27 $ 1,665,000 $ 61,666 $ 96,000
Josephine, Oregon 27 $ 2,352,000 $ 87,111 $ 70,000
Grays Harbor, Washington 27 $ 1,816,000 $ 67,259 $ 59,000
Summit, Utah 24 $ 3,917,000 $ 163,208 $ 137,000
Kenai Peninsula, Alaska 23 $ 1,818,000 $ 79,043 $ 63,000
Payette, Idaho 23 $ 1,562,000 $ 67,913 $ 70,000
Delaware, New York 23 $ 1,214,000 $ 52,782 $ 44,000
Box Elder, Utah 23 $ 1,082,000 $ 47,043 $ 57,000
Cache, Utah 23 $ 1,507,000 $ 65,521 $ 87,000
Fairfield, Ohio 22 $ 2,809,000 $ 127,681 $ 169,000
Franklin, Washington 22 $ 2,241,000 $ 101,863 $ 72,000
Minidoka, Idaho 21 $ 659,000 $ 31,380 $ 46,000
Putnam, New York 21 $ 2,785,000 $ 132,619 $ 66,000
Seneca, New York 21 $ 932,000 $ 44,380 $ 46,000
Hood River, Oregon 21 $ 1,489,000 $ 70,904 $ 66,000
Cowlitz, Washington 21 $ 1,142,000 $ 54,380 $ 55,000
Morgan, Colorado 20 $ 664,000 $ 33,200 $ 43,000
Jefferson, Idaho 20 $ 1,105,000 $ 55,250 $ 56,000
Hancock, Indiana 20 $ 497,000 $ 24,850 $ 61,000
Kodiak Island, Alaska 19 $ 1,401,000 $ 73,736 $ 73,000
Herkimer, New York 19 $ 914,000 $ 48,105 $ 49,000
Miami, Ohio 19 $ 1,981,000 $ 104,263 $ 86,000
Berrien, Michigan 18 $ 854,000 $ 47,444 $ 74,000
Polk, Oregon 18 $ 1,804,000 $ 100,222 $ 64,000
Madison, Idaho 17 $ 1,205,000 $ 70,882 $ 52,000
Delaware, Indiana 17 $ 224,000 $ 13,176 $ 42,000
Westchester, New York 17 $ 2,420,000 $ 142,352 $ 123,000
Carbon, Utah 17 $ 1,127,000 $ 66,294 $ 58,000
Washington, Vermont 17 $ 1,134,000 $ 66,705 $ 61,000
Douglas, Washington 17 $ 1,078,000 $ 63,411 $ 56,000
Steuben, New York 16 $ 312,000 $ 19,500 $ 34,000
Benton, Oregon 16 $ 1,939,000 $ 121,187 $ 73,000
Malheur, Oregon 16 $ 2,405,000 $ 150,312 $ 107,000
Island, Washington 16 $ 1,885,000 $ 117,812 $ 81,000
Hillsdale, Michigan 15 $ 1,237,000 $ 82,466 $ 124,000
Allegany, New York 15 $ 485,000 $ 32,333 $ 30,000
Tuscarawas, Ohio 15 $ 882,000 $ 58,800 $ 40,000
Teton, Idaho 14 $ 1,212,000 $ 86,571 $ 51,000
Brown, Ohio 14 $ 1,103,000 $ 78,785 $ 50,000
Licking, Ohio 14 $ 2,545,000 $ 181,785 $ 79,000
Windham, Vermont 14 $ 1,094,000 $ 78,142 $ 71,000
Valley, Idaho 13 $ 2,542,000 $ 195,538 $ 314,000
Dearborn, Indiana 13 $ 855,000 $ 65,769 $ 62,000
LaGrange, Indiana 13 $ 782,000 $ 60,153 $ 74,000
Rockland, New York 13 $ 1,680,000 $ 129,230 $ 94,000
Gem, Idaho 12 $ 883,000 $ 73,583 $ 27,000
Washington, Maine 12 $ 658,000 $ 54,833 $ 45,000
Jackson, Michigan 12 $ 778,000 $ 64,833 $ 47,000
Suffolk, New York 12 $ 1,732,000 $ 144,333 $ 93,000
Lincoln, Oregon 12 $ 1,455,000 $ 121,250 $ 224,000
Pulaski, Indiana 11 $ 706,000 $ 64,181 $ 48,000
Morrow, Ohio 11 $ 962,000 $ 87,454 $ 63,000
Deschutes, Oregon 11 $ 3,249,000 $ 295,363 $ 53,000
Grand Isle, Vermont 11 $ 1,418,000 $ 128,909 $ 125,000
Maricopa, Arizona 10 $ 5,389,000 $ 538,900 $ 608,000
Blaine, Idaho 10 $ 2,653,000 $ 265,300 $ 249,000
Boise, Idaho 10 $ 1,411,000 $ 141,100 $ 57,000
Monroe, Indiana 10 $ 775,000 $ 77,500 $ 94,000
Los Angeles, California 9 $ 2,954,000 $ 328,222 $ 183,000
Broward, Florida 9 $ 1,171,000 $ 130,111 $ 179,000
Palm Beach, Florida 9 $ 3,626,000 $ 402,888 $ 945,000
Sarasota, Florida 9 $ 2,284,000 $ 253,777 $ 442,000
Cook, Illinois 9 $ 2,416,000 $ 268,444 $ 229,000
Bartholomew, Indiana 9 $ 247,000 $ 27,444 $ 34,000
Branch, Michigan 9 $ 988,000 $ 109,777 $ 102,000
Ingham, Michigan 9 $ 763,000 $ 84,777 $ 58,000
Carroll, New Hampshire 9 $ 1,415,000 $ 157,222 $ 91,000
Tompkins, New York 9 $ 539,000 $ 59,888 $ 115,000
Wyoming, New York 9 $ 197,000 $ 21,888 $ 51,000
Defiance, Ohio 9 $ 687,000 $ 76,333 $ 37,000
Pickaway, Ohio 9 $ 624,000 $ 69,333 $ 40,000
Wayne, Ohio 9 $ 648,000 $ 72,000 $ 69,000
Juneau, Alaska 8 $ 3,085,000 $ 385,625 $ 60,000
Eagle, Colorado 8 $ 2,307,000 $ 288,375 $ 371,000
Logan, Colorado 8 $ 424,000 $ 53,000 $ 46,000
Grant, Indiana 8 $ 137,000 $ 17,125 $ 62,000
Montgomery, Indiana 8 $ 64,000 $ 8,000 $ 40,000
Noble, Indiana 8 $ 360,000 $ 45,000 $ 42,000
Tipton, Indiana 8 $ 542,000 $ 67,750 $ 70,000
Kenton, Kentucky 8 $ 930,000 $ 116,250 $ 82,000
Kent, Michigan 8 $ 836,000 $ 104,500 $ 70,000
Clark, Nevada 8 $ 1,253,000 $ 156,625 $ 202,000
Orleans, New York 8 $ 388,000 $ 48,500 $ 53,000
Klickitat, Washington 8 $ 437,000 $ 54,625 $ 67,000
Pinellas, Florida 7 $ 1,303,000 $ 186,142 $ 187,000
Cass, Indiana 7 $ 492,000 $ 70,285 $ 50,000
Putnam, Indiana 7 $ 94,000 $ 13,428 $ 100,000
Vigo, Indiana 7 $ 172,000 $ 24,571 $ 41,000
Middlesex, Massachusetts 7 $ 953,000 $ 136,142 $ 86,000
Yates, New York 7 $ 552,000 $ 78,857 $ 59,000
Ashland, Ohio 7 $ 362,000 $ 51,714 $ 40,000
Champaign, Ohio 7 $ 173,000 $ 24,714 $ 61,000
Madison, Ohio 7 $ 757,000 $ 108,142 $ 64,000
Summit, Colorado 6 $ 738,000 $ 123,000 $ 250,000
Gooding, Idaho 6 $ 388,000 $ 64,666 $ 42,000
Brown, Indiana 6 $ 553,000 $ 92,166 $ 76,000
Clinton, Indiana 6 $ 90,000 $ 15,000 $ 52,000
Tippecanoe, Indiana 6 $ 304,000 $ 50,666 $ 103,000
Rockingham, New Hampshire 6 $ 728,000 $ 121,333 $ 116,000
Chenango, New York 6 $ 231,000 $ 38,500 $ 47,000
Queens, New York 6 $ 816,000 $ 136,000 $ 80,000
Fulton, Ohio 6 $ 499,000 $ 83,166 $ 72,000
Knox, Ohio 6 $ 487,000 $ 81,166 $ 78,000
Washington, Utah 6 $ 275,000 $ 45,833 $ 66,000
Bennington, Vermont 6 $ 192,000 $ 32,000 $ 87,000
Adams, Washington 6 $ 2,502,000 $ 417,000 $ 67,000
Okanogan, Washington 6 $ 611,000 $ 101,833 $ 142,000
Yukon-Koyukuk, Alaska 5 $ 17,000 $ 3,400 $ 22,000
La Plata, Colorado 5 $ 448,000 $ 89,600 $ 138,000
Monroe, Florida 5 $ 3,949,000 $ 789,800 $ 477,000
Allen, Indiana 5 $ 309,000 $ 61,800 $ 93,000
Decatur, Indiana 5 $ 226,000 $ 45,200 $ 69,000
Franklin, Indiana 5 $ 764,000 $ 152,800 $ 398,000
Lawrence, Indiana 5 $ 29,000 $ 5,800 $ 104,000
Miami, Indiana 5 $ 84,000 $ 16,800 $ 52,000
Rush, Indiana 5 $ 35,000 $ 7,000 $ 52,000
Genesee, Michigan 5 $ 362,000 $ 72,400 $ 78,000
Iosco, Michigan 5 $ 310,000 $ 62,000 $ 22,000
Broome, New York 5 $ 163,000 $ 32,600 $ 58,000
Nassau, New York 5 $ 427,000 $ 85,400 $ 206,000
Clinton, Ohio 5 $ 323,000 $ 64,600 $ 44,000
Crawford, Ohio 5 $ 190,000 $ 38,000 $ 50,000
Clatsop, Oregon 5 $ 389,000 $ 77,800 $ 108,000
Columbia, Oregon 5 $ 1,274,000 $ 254,800 $ 186,000
Crawford, Pennsylvania 5 $ 640,000 $ 128,000 $ 100,000
Emery, Utah 5 $ 295,000 $ 59,000 $ 44,000
Morgan, Utah 5 $ 310,000 $ 62,000 $ 81,000
Ferry, Washington 5 $ 518,000 $ 103,600 $ 56,000
Jefferson, Washington 5 $ 848,000 $ 169,600 $ 123,000
Kittitas, Washington 5 $ 466,000 $ 93,200 $ 150,000
Lincoln, Washington 5 $ 151,000 $ 30,200 $ 48,000
Spokane, Washington 5 $ 991,000 $ 198,200 $ 62,000
Riverside, California 4 $ 670,000 $ 167,500 $ 1,719,000
Sacramento, California 4 $ 630,000 $ 157,500 $ 118,000
San Diego, California 4 $ 888,000 $ 222,000 $ 133,000
Gilpin, Colorado 4 $ 103,000 $ 25,750 $ 36,000
Pitkin, Colorado 4 $ 5,246,000 $ 1,311,500 $ 821,000
Teller, Colorado 4 $ 608,000 $ 152,000 $ 99,000
Manatee, Florida 4 $ 752,000 $ 188,000 $ 408,000
Miami-Dade, Florida 4 $ 478,000 $ 119,500 $ 188,000
St. Johns, Florida 4 $ 959,000 $ 239,750 $ 259,000
Elmore, Idaho 4 $ 433,000 $ 108,250 $ 102,000
Power, Idaho 4 $ 193,000 $ 48,250 $ 50,000
Washington, Idaho 4 $ 206,000 $ 51,500 $ 61,000
Jennings, Indiana 4 $ 25,000 $ 6,250 $ 46,000
Martin, Indiana 4 $ 23,000 $ 5,750 $ 100,000
Norfolk, Massachusetts 4 $ 1,032,000 $ 258,000 $ 168,000
Macomb, Michigan 4 $ 231,000 $ 57,750 $ 60,000
Strafford, New Hampshire 4 $ 272,000 $ 68,000 $ 64,000
Kings, New York 4 $ 1,007,000 $ 251,750 $ 148,000
Henry, Ohio 4 $ 261,000 $ 65,250 $ 34,000
Highland, Ohio 4 $ 177,000 $ 44,250 $ 65,000
Marion, Ohio 4 $ 236,000 $ 59,000 $ 104,000
Preble, Ohio 4 $ 432,000 $ 108,000 $ 115,000
Union, Ohio 4 $ 422,000 $ 105,500 $ 107,000
Douglas, Oregon 4 $ 216,000 $ 54,000 $ 38,000
Wasco, Oregon 4 $ 151,000 $ 37,750 $ 19,000
Allegheny, Pennsylvania 4 $ 1,058,000 $ 264,500 $ 192,000
Mercer, Pennsylvania 4 $ 174,000 $ 43,500 $ 38,000
Sanpete, Utah 4 $ 257,000 $ 64,250 $ 49,000
Lamoille, Vermont 4 $ 315,000 $ 78,750 $ 29,000
Orange, Vermont 4 $ 150,000 $ 37,500 $ 36,000
Windsor, Vermont 4 $ 671,000 $ 167,750 $ 82,000
Alexandria, Virginia 4 $ 1,016,000 $ 254,000 $ 70,000
Aleutians West, Alaska 3 $ 433,000 $ 144,333 $ 82,000
Pima, Arizona 3 $ 488,000 $ 162,666 $ 102,000
Fresno, California 3 $ 316,000 $ 105,333 $ 62,000
Custer, Colorado 3 $ 207,000 $ 69,000 $ 37,000
Garfield, Colorado 3 $ 67,000 $ 22,333 $ 47,000
Park, Colorado 3 $ 25,000 $ 8,333 $ 53,000
Routt, Colorado 3 $ 305,000 $ 101,666 $ 170,000
Brevard, Florida 3 $ 354,000 $ 118,000 $ 152,000
Polk, Florida 3 $ 220,000 $ 73,333 $ 48,000
Caribou, Idaho 3 $ 135,000 $ 45,000 $ 96,000
Owyhee, Idaho 3 $ 174,000 $ 58,000 $ 49,000
DuPage, Illinois 3 $ 533,000 $ 177,666 $ 246,000
Fayette, Indiana 3 $ 38,000 $ 12,666 $ 111,000
Fulton, Indiana 3 $ 62,000 $ 20,666 $ 44,000
Greene, Indiana 3 $ 103,000 $ 34,333 $ 45,000
Henry, Indiana 3 $ 185,000 $ 61,666 $ 68,000
Jasper, Indiana 3 $ 865,000 $ 288,333 $ 111,000
Orange, Indiana 3 $ 21,000 $ 7,000 $ 27,000
Wayne, Indiana 3 $ 114,000 $ 38,000 $ 62,000
Boone, Kentucky 3 $ 520,000 $ 173,333 $ 258,000
Crawford, Michigan 3 $ 576,000 $ 192,000 $ 166,000
Grand Traverse, Michigan 3 $ 468,000 $ 156,000 $ 130,000
Coos, New Hampshire 3 $ 221,000 $ 73,666 $ 71,000
Chemung, New York 3 $ 34,000 $ 11,333 $ 35,000
Hamilton, New York 3 $ 385,000 $ 128,333 $ 193,000
New York, New York 3 $ 1,849,000 $ 616,333 $ 676,000
Darke, Ohio 3 $ 79,000 $ 26,333 $ 33,000
Fayette, Ohio 3 $ 211,000 $ 70,333 $ 37,000
Wyandot, Ohio 3 $ 260,000 $ 86,666 $ 58,000
Crook, Oregon 3 $ 94,000 $ 31,333 $ 23,000
Klamath, Oregon 3 $ 103,000 $ 34,333 $ 115,000
Monroe, Pennsylvania 3 $ 235,000 $ 78,333 $ 44,000
Duchesne, Utah 3 $ 65,000 $ 21,666 $ 79,000
Natrona, Wyoming 3 $ 88,000 $ 29,333 $ 58,000
Teton, Wyoming 3 $ 399,000 $ 133,000 $ 55,000
Bristol Bay, Alaska 2 $ 130,000 $ 65,000 $ 70,000
Denali, Alaska 2 $ 119,000 $ 59,500 $ 73,000
Ketchikan Gateway, Alaska 2 $ 375,000 $ 187,500 $ 110,000
North Slope, Alaska 2 $ 10,000 $ 5,000 $ 18,000
Skagway-Hoonah-Angoon, Alaska 2 $ 17,000 $ 8,500 $ 34,000
Southeast Fairbanks, Alaska 2 $ 122,000 $ 61,000 $ 67,000
Valdez-Cordova, Alaska 2 $ 119,000 $ 59,500 $ 56,000
Yakutat, Alaska 2 $ 115,000 $ 57,500 $ 36,000
Orange, California 2 $ 577,000 $ 288,500 $ 115,000
San Bernardino, California 2 $ 159,000 $ 79,500 $ 78,000
Clear Creek, Colorado 2 $ 96,000 $ 48,000 $ 112,000
Grand, Colorado 2 $ 579,000 $ 289,500 $ 2,327,000
Jackson, Colorado 2 $ 60,000 $ 30,000 $ 38,000
Montrose, Colorado 2 $ 45,000 $ 22,500 $ 46,000
Pueblo, Colorado 2 $ 233,000 $ 116,500 $ 41,000
San Miguel, Colorado 2 $ 390,000 $ 195,000 $ 180,000
Duval, Florida 2 $ 48,000 $ 24,000 $ 37,000
Flagler, Florida 2 $ 289,000 $ 144,500 $ 76,000
Hillsborough, Florida 2 $ 207,000 $ 103,500 $ 93,000
Marion, Florida 2 $ 62,000 $ 31,000 $ 55,000
Orange, Florida 2 $ 955,000 $ 477,500 $ 69,000
Pasco, Florida 2 $ 565,000 $ 282,500 $ 145,000
Volusia, Florida 2 $ 383,000 $ 191,500 $ 216,000
DeKalb, Georgia 2 $ 644,000 $ 322,000 $ 164,000
Honolulu, Hawaii 2 $ 304,000 $ 152,000 $ 231,000
Adams, Idaho 2 $ 301,000 $ 150,500 $ 402,000
Bonner, Idaho 2 $ 434,000 $ 217,000 $ 202,000
Jerome, Idaho 2 $ 176,000 $ 88,000 $ 84,000
Kootenai, Idaho 2 $ 2,114,000 $ 1,057,000 $ 28,000
Oneida, Idaho 2 $ 225,000 $ 112,500 $ 66,000
Fountain, Indiana 2 $ 12,000 $ 6,000 $ 25,000
Jay, Indiana 2 $ 30,000 $ 15,000 $ 61,000
LaPorte, Indiana 2 $ 145,000 $ 72,500 $ 59,000
Pike, Indiana 2 $ 87,000 $ 43,500 $ 39,000
Randolph, Indiana 2 $ 11,000 $ 5,500 $ 33,000
Ripley, Indiana 2 $ 197,000 $ 98,500 $ 26,000
Wabash, Indiana 2 $ 135,000 $ 67,500 $ 78,000
White, Indiana 2 $ 15,000 $ 7,500 $ 50,000
Johnson, Kansas 2 $ 113,000 $ 56,500 $ 78,000
Campbell, Kentucky 2 $ 147,000 $ 73,500 $ 35,000
Barnstable, Massachusetts 2 $ 289,000 $ 144,500 $ 144,000
Berkshire, Massachusetts 2 $ 85,000 $ 42,500 $ 39,000
Dukes, Massachusetts 2 $ 983,000 $ 491,500 $ 159,000
Alcona, Michigan 2 $ 350,000 $ 175,000 $ 188,000
Benzie, Michigan 2 $ 214,000 $ 107,000 $ 239,000
Eaton, Michigan 2 $ 391,000 $ 195,500 $ 150,000
Ionia, Michigan 2 $ 94,000 $ 47,000 $ 68,000
Kalamazoo, Michigan 2 $ 42,000 $ 21,000 $ 65,000
Leelanau, Michigan 2 $ 536,000 $ 268,000 $ 578,000
Mackinac, Michigan 2 $ 525,000 $ 262,500 $ 471,000
Ottawa, Michigan 2 $ 410,000 $ 205,000 $ 348,000
Roscommon, Michigan 2 $ 138,000 $ 69,000 $ 39,000
Saginaw, Michigan 2 $ 97,000 $ 48,500 $ 61,000
Van Buren, Michigan 2 $ 342,000 $ 171,000 $ 189,000
Otter Tail, Minnesota 2 $ 145,000 $ 72,500 $ 29,000
Elko, Nevada 2 $ 103,000 $ 51,500 $ 33,000
Cheshire, New Hampshire 2 $ 30,000 $ 15,000 $ 59,000
Hillsborough, New Hampshire 2 $ 288,000 $ 144,000 $ 72,000
Essex, New Jersey 2 $ 84,000 $ 42,000 $ 60,000
Hudson, New Jersey 2 $ 465,000 $ 232,500 $ 314,000
Somerset, New Jersey 2 $ 1,763,000 $ 881,500 $ 432,000
Richmond, New York 2 $ 226,000 $ 113,000 $ 62,000
Tioga, New York 2 $ 62,000 $ 31,000 $ 46,000
Brunswick, North Carolina 2 $ 286,000 $ 143,000 $ 90,000
Adams, Ohio 2 $ 300,000 $ 150,000 $ 366,000
Auglaize, Ohio 2 $ 204,000 $ 102,000 $ 71,000
Logan, Ohio 2 $ 147,000 $ 73,500 $ 74,000
Paulding, Ohio 2 $ 103,000 $ 51,500 $ 63,000
Putnam, Ohio 2 $ 80,000 $ 40,000 $ 23,000
Shelby, Ohio 2 $ 73,000 $ 36,500 $ 46,000
Williams, Ohio 2 $ 47,000 $ 23,500 $ 44,000
Baker, Oregon 2 $ 456,000 $ 228,000 $ 348,000
Coos, Oregon 2 $ 111,000 $ 55,500 $ 43,000
Tillamook, Oregon 2 $ 162,000 $ 81,000 $ 123,000
Umatilla, Oregon 2 $ 173,000 $ 86,500 $ 87,000
Montgomery, Pennsylvania 2 $ 569,000 $ 284,500 $ 72,000
Beaufort, South Carolina 2 $ 560,000 $ 280,000 $ 329,000
Charleston, South Carolina 2 $ 4,700,000 $ 2,350,000 $ 1,097,000
Horry, South Carolina 2 $ 147,000 $ 73,500 $ 68,000
Millard, Utah 2 $ 49,000 $ 24,500 $ 48,000
Rich, Utah 2 $ 304,000 $ 152,000 $ 197,000
Uintah, Utah 2 $ 25,000 $ 12,500 $ 104,000
Wasatch, Utah 2 $ 313,000 $ 156,500 $ 55,000
Orleans, Vermont 2 $ 192,000 $ 96,000 $ 149,000
Skamania, Washington 2 $ 202,000 $ 101,000 $ 45,000
Whitman, Washington 2 $ 324,000 $ 162,000 $ 85,000
Monongalia, West Virginia 2 $ 20,000 $ 10,000 $ 370,000
Fremont, Wyoming 2 $ 162,000 $ 81,000 $ 28,000
Uinta, Wyoming 2 $ 47,000 $ 23,500 $ 75,000
Dillingham, Alaska 1 $ 220,000 $ 220,000 $ 53,000
Northwest Arctic, Alaska 1 $ 5,000 $ 5,000 $ 63,000
Wrangell-Petersburg, Alaska 1 $ 25,000 $ 25,000 $ 41,000
Coconino, Arizona 1 $ 300,000 $ 300,000 $ 734,000
Pinal, Arizona 1 $ 203,000 $ 203,000 $ 295,000
Yavapai, Arizona 1 $ 50,000 $ 50,000 $ 157,000
Yuma, Arizona 1 $ 47,000 $ 47,000 $ 45,000
Alameda, California 1 $ 80,000 $ 80,000 $ 29,000
Calaveras, California 1 $ 25,000 $ 25,000 $ 28,000
Monterey, California 1 $ 1,500,000 $ 1,500,000 $ 6,700,000
Placer, California 1 $ 131,000 $ 131,000 $ 107,000
San Luis Obispo, California 1 $ 170,000 $ 170,000 $ 222,000
San Mateo, California 1 $ 322,000 $ 322,000 $ 337,000
Santa Clara, California 1 $ 378,000 $ 378,000 $ 380,000
Siskiyou, California 1 $ 102,000 $ 102,000 $ 36,000
Sonoma, California 1 $ 20,000 $ 20,000 $ 40,000
Ventura, California 1 $ 29,000 $ 29,000 $ 30,000
Alamosa, Colorado 1 $ 73,000 $ 73,000 $ 19,000
Bent, Colorado 1 $ 26,000 $ 26,000 $ 144,000
Chaffee, Colorado 1 $ 118,000 $ 118,000 $ 131,000
Crowley, Colorado 1 $ 3,000 $ 3,000 $ 29,000
Delta, Colorado 1 $ 200,000 $ 200,000 $ 140,000
Elbert, Colorado 1 $ 25,000 $ 25,000 $ 81,000
Fremont, Colorado 1 $ 75,000 $ 75,000 $ 146,000
Gunnison, Colorado 1 $ 292,000 $ 292,000 $ 48,000
Lake, Colorado 1 $ 38,000 $ 38,000 $ 25,000
Las Animas, Colorado 1 $ 277,000 $ 277,000 $ 35,000
Mesa, Colorado 1 $ 12,000 $ 12,000 $ 27,000
Mineral, Colorado 1 $ 314,000 $ 314,000 $ 3,457,000
Moffat, Colorado 1 $ 115,000 $ 115,000 $ 55,000
Otero, Colorado 1 $ 57,000 $ 57,000 $ 51,000
Ouray, Colorado 1 $ 15,000 $ 15,000 $ 86,000
Prowers, Colorado 1 $ 9,000 $ 9,000 $ 36,000
Rio Blanco, Colorado 1 $ 404,000 $ 404,000 $ 1,193,000
Fairfield, Connecticut 1 $ 195,000 $ 195,000 $ 65,000
New London, Connecticut 1 $ 76,000 $ 76,000 $ 90,000
Bay, Florida 1 $ 240,000 $ 240,000 $ 273,000
Charlotte, Florida 1 $ 152,000 $ 152,000 $ 138,000
Citrus, Florida 1 $ 5,000 $ 5,000 $ 54,000
Escambia, Florida 1 $ 304,000 $ 304,000 $ 328,000
Indian River, Florida 1 $ 887,000 $ 887,000 $ 496,000
Lake, Florida 1 $ 134,000 $ 134,000 $ 231,000
Martin, Florida 1 $ 5,000,000 $ 5,000,000 $ 980,000
Okaloosa, Florida 1 $ 216,000 $ 216,000 $ 285,000
Osceola, Florida 1 $ 75,000 $ 75,000 $ 510,000
St. Lucie, Florida 1 $ 225,000 $ 225,000 $ 185,000
Chatham, Georgia 1 $ 303,000 $ 303,000 $ 300,000
Clarke, Georgia 1 $ 231,000 $ 231,000 $ 78,000
Gwinnett, Georgia 1 $ 100,000 $ 100,000 $ 10,000
Madison, Georgia 1 $ 58,000 $ 58,000 $ 23,000
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Mortgage Loan Application Detail Totals for Keybank National Association 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) 13,936 $1,557,177,000 $243,714 $5,330,000 $188,171 $6,700,000
Home Improvement (one-to-four family) 8,556 $154,455,000 $78,275 $1,500,000 $108,586 $4,554,000
Home Purchase (one-to-four family) 5,068 $529,686,000 $162,272 $5,000,000 $148,424 $2,730,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 16 $24,088,000 $2,175,800 $6,275,000 $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 19,441 $1,633,022,000 $198,525 $5,000,000 $183,175 $6,525,000
Information not provided by applicant in mail or telephone application 4,530 $383,108,000 $166,000 $5,000,000 $135,064 $3,867,000
Black 1,767 $96,200,000 $98,000 $1,220,000 $92,055 $1,519,000
Hispanic 951 $51,891,000 $50,187 $498,000 $50,375 $761,000
Asian or Pacific Islander 414 $39,819,000 $144,222 $2,000,000 $77,555 $804,000
Other 289 $26,347,000 $171,750 $5,330,000 $89,937 $1,175,000
American Indian or Alaskan Native 160 $9,438,000 $68,000 $600,000 $54,250 $305,000
Not applicable 24 $25,581,000 $1,553,750 $6,275,000 $1,133,500 $6,700,000

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) 27,453 $2,252,972,000 $194,170 $6,275,000 $173,951 $6,700,000
VA-guaranteed (Veterans Administration) 76 $7,912,000 $111,600 $235,000 $57,400 $117,000
FHA-insured (Federal Housing Administration) 47 $4,522,000 $116,700 $206,000 $61,500 $132,000
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 15,600 $1,492,215,000 $216,800 $6,275,000 $223,800 $6,700,000
Application Denied By Financial Institution 7,877 $367,446,000 $68,393 $5,330,000 $62,878 $1,800,000
Application Approved But Not Accepted 2,831 $229,139,000 $136,800 $1,920,000 $139,720 $1,740,000
Application Withdrawn By Applicant 875 $118,396,000 $184,250 $5,000,000 $115,875 $2,730,000
File Closed For Incompleteness 393 $58,210,000 $410,111 $2,762,000 $107,666 $1,552,000
Loan Purchased By The Institution 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 3,264 $92,221,000 $36,320 $887,000 $58,560 $936,000
Debt-To-Income Ratio 2,815 $155,797,000 $73,615 $5,330,000 $46,384 $1,392,000
Collateral 850 $64,502,000 $91,777 $1,429,000 $78,000 $707,000
Other 838 $46,160,000 $66,761 $2,000,000 $103,904 $1,800,000
Unverifiable Information 49 $4,605,000 $107,083 $425,000 $89,583 $262,000
Employment History 34 $2,754,000 $79,909 $274,000 $26,090 $80,000
Insufficient Cash (Downpayment, Closing Cost) 25 $1,208,000 $44,833 $135,000 $65,833 $180,000
Credit Application Incomplete 2 $199,000 $99,500 $120,000 $60,500 $90,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association'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 Keybank National Association'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.
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