Keybank National Association Mortgage Lending & HMDA Data, 2004

In 2004, Keybank National Association of Cleveland, OH reported 184,955 mortgage applications totaling $12.9 billion, up 571% from 2003. The average application was for $69,588, and applicants reported an average income of $61,491. 28% of its applications resulted in an originated loan and 33% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (6,152), Phoenix-Mesa-Scottsdale, AZ (6,133) and Nassau-Suffolk, NY (5,236) (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 184,955
Total Mortgage Loan Application Amount $12,870,732,000
Average Mortgage Loan Application Amount $69,588
Highest Mortgage Loan Application Amount $9,537,000
Average Applicant Income $61,491
Highest Applicant Income $6,607,000

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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 5,589 $ 197,134,000 $ 35,271 $ 68,000
Suffolk, New York 3,356 $ 441,669,000 $ 131,605 $ 85,000
Cuyahoga, Ohio 3,085 $ 189,849,000 $ 61,539 $ 60,000
Erie, New York 2,094 $ 104,683,000 $ 49,991 $ 50,000
Nassau, New York 1,880 $ 319,081,000 $ 169,723 $ 90,000
Los Angeles, California 1,727 $ 127,394,000 $ 73,766 $ 89,000
King, Washington 1,723 $ 243,482,000 $ 141,312 $ 79,000
Queens, New York 1,670 $ 252,175,000 $ 151,002 $ 74,000
Philadelphia, Pennsylvania 1,623 $ 77,048,000 $ 47,472 $ 50,000
Wayne, Michigan 1,577 $ 43,415,000 $ 27,530 $ 57,000
Cook, Illinois 1,537 $ 40,237,000 $ 26,178 $ 71,000
Lucas, Ohio 1,466 $ 70,776,000 $ 48,278 $ 54,000
Riverside, California 1,444 $ 84,353,000 $ 58,416 $ 95,000
Pierce, Washington 1,438 $ 138,504,000 $ 96,317 $ 64,000
San Bernardino, California 1,416 $ 70,010,000 $ 49,442 $ 73,000
Franklin, Ohio 1,415 $ 56,328,000 $ 39,807 $ 61,000
Middlesex, Massachusetts 1,395 $ 189,947,000 $ 136,162 $ 66,000
Ocean, New Jersey 1,371 $ 134,883,000 $ 98,382 $ 70,000
Clark, Nevada 1,363 $ 77,583,000 $ 56,920 $ 74,000
New Haven, Connecticut 1,323 $ 108,224,000 $ 81,801 $ 63,000
Kings, New York 1,304 $ 213,879,000 $ 164,017 $ 75,000
Worcester, Massachusetts 1,288 $ 125,939,000 $ 97,778 $ 60,000
Middlesex, New Jersey 1,278 $ 143,226,000 $ 112,070 $ 74,000
Onondaga, New York 1,251 $ 57,736,000 $ 46,151 $ 53,000
Orange, New York 1,194 $ 135,550,000 $ 113,525 $ 88,000
Hartford, Connecticut 1,190 $ 92,982,000 $ 78,136 $ 60,000
Monmouth, New Jersey 1,136 $ 124,790,000 $ 109,850 $ 81,000
Salt Lake, Utah 1,132 $ 75,726,000 $ 66,895 $ 57,000
Monroe, New York 1,083 $ 50,891,000 $ 46,990 $ 51,000
Fairfield, Connecticut 1,052 $ 126,638,000 $ 120,378 $ 69,000
Plymouth, Massachusetts 1,038 $ 127,118,000 $ 122,464 $ 67,000
Providence, Rhode Island 1,028 $ 100,773,000 $ 98,028 $ 51,000
Essex, New Jersey 985 $ 111,827,000 $ 113,529 $ 79,000
Hamilton, Ohio 981 $ 40,388,000 $ 41,170 $ 67,000
Prince George's, Maryland 957 $ 60,445,000 $ 63,160 $ 70,000
Bergen, New Jersey 938 $ 142,883,000 $ 152,327 $ 87,000
Essex, Massachusetts 921 $ 109,417,000 $ 118,802 $ 62,000
Westchester, New York 896 $ 160,188,000 $ 178,781 $ 103,000
Broward, Florida 871 $ 53,464,000 $ 61,382 $ 72,000
Richmond, New York 870 $ 138,219,000 $ 158,872 $ 70,000
Camden, New Jersey 856 $ 50,060,000 $ 58,481 $ 62,000
Summit, Ohio 854 $ 53,135,000 $ 62,218 $ 67,000
Bristol, Massachusetts 851 $ 90,724,000 $ 106,608 $ 60,000
New Castle, Delaware 824 $ 58,585,000 $ 71,098 $ 58,000
Burlington, New Jersey 819 $ 63,237,000 $ 77,212 $ 64,000
Miami-Dade, Florida 809 $ 37,662,000 $ 46,553 $ 106,000
Norfolk, Massachusetts 803 $ 104,716,000 $ 130,405 $ 86,000
Cumberland, Maine 791 $ 88,042,000 $ 111,304 $ 70,000
Union, New Jersey 790 $ 91,283,000 $ 115,548 $ 77,000
Delaware, Pennsylvania 785 $ 55,698,000 $ 70,952 $ 57,000
Montgomery, Pennsylvania 772 $ 68,792,000 $ 89,108 $ 62,000
Montgomery, Ohio 768 $ 29,969,000 $ 39,022 $ 63,000
Multnomah, Oregon 755 $ 77,417,000 $ 102,539 $ 84,000
Orange, Florida 750 $ 32,794,000 $ 43,725 $ 61,000
Dutchess, New York 735 $ 90,077,000 $ 122,553 $ 74,000
Snohomish, Washington 701 $ 60,897,000 $ 86,871 $ 73,000
Oakland, Michigan 695 $ 28,628,000 $ 41,191 $ 79,000
Allegheny, Pennsylvania 694 $ 30,832,000 $ 44,426 $ 52,000
Hillsborough, Florida 683 $ 30,199,000 $ 44,215 $ 62,000
Stark, Ohio 679 $ 44,128,000 $ 64,989 $ 66,000
Passaic, New Jersey 646 $ 73,998,000 $ 114,547 $ 78,000
Hillsborough, New Hampshire 638 $ 70,315,000 $ 110,211 $ 62,000
Suffolk, Massachusetts 636 $ 76,307,000 $ 119,979 $ 69,000
Baltimore, Maryland 617 $ 33,461,000 $ 54,231 $ 66,000
Adams, Colorado 615 $ 42,007,000 $ 68,304 $ 60,000
Morris, New Jersey 612 $ 94,138,000 $ 153,820 $ 94,000
Sacramento, California 601 $ 33,390,000 $ 55,557 $ 69,000
Washington, Oregon 596 $ 67,989,000 $ 114,075 $ 81,000
Pima, Arizona 595 $ 20,072,000 $ 33,734 $ 70,000
Gloucester, New Jersey 585 $ 37,403,000 $ 63,936 $ 70,000
Marion, Indiana 584 $ 19,642,000 $ 33,633 $ 79,000
Palm Beach, Florida 576 $ 41,546,000 $ 72,128 $ 81,000
Bronx, New York 576 $ 89,999,000 $ 156,248 $ 67,000
Arapahoe, Colorado 567 $ 40,767,000 $ 71,899 $ 106,000
Ulster, New York 555 $ 54,630,000 $ 98,432 $ 55,000
Duval, Florida 554 $ 26,396,000 $ 47,646 $ 54,000
Albany, New York 552 $ 37,813,000 $ 68,501 $ 64,000
Bucks, Pennsylvania 552 $ 49,666,000 $ 89,974 $ 78,000
Pinal, Arizona 544 $ 16,493,000 $ 30,318 $ 55,000
Monroe, Pennsylvania 540 $ 38,309,000 $ 70,942 $ 74,000
Hampden, Massachusetts 531 $ 31,002,000 $ 58,384 $ 57,000
Denver, Colorado 530 $ 44,552,000 $ 84,060 $ 59,000
Rockingham, New Hampshire 526 $ 62,610,000 $ 119,030 $ 78,000
Kent, Michigan 516 $ 9,578,000 $ 18,562 $ 47,000
San Joaquin, California 514 $ 23,549,000 $ 45,815 $ 76,000
York, Maine 509 $ 46,122,000 $ 90,612 $ 74,000
Contra Costa, California 508 $ 57,441,000 $ 113,072 $ 83,000
Orange, California 505 $ 47,293,000 $ 93,649 $ 85,000
Anne Arundel, Maryland 503 $ 33,319,000 $ 66,240 $ 71,000
Hudson, New Jersey 496 $ 56,192,000 $ 113,290 $ 73,000
Mercer, New Jersey 496 $ 41,088,000 $ 82,838 $ 68,000
Macomb, Michigan 491 $ 13,840,000 $ 28,187 $ 63,000
Pinellas, Florida 477 $ 26,453,000 $ 55,457 $ 88,000
Niagara, New York 476 $ 25,372,000 $ 53,302 $ 46,000
Rockland, New York 465 $ 70,506,000 $ 151,625 $ 91,000
Penobscot, Maine 454 $ 24,838,000 $ 54,709 $ 47,000
Fairfax, Virginia 452 $ 52,899,000 $ 117,033 $ 82,000
Kennebec, Maine 449 $ 25,491,000 $ 56,772 $ 48,000
Lee, Florida 447 $ 26,157,000 $ 58,516 $ 82,000
Berks, Pennsylvania 446 $ 25,712,000 $ 57,650 $ 52,000
Jefferson, Colorado 444 $ 35,543,000 $ 80,051 $ 81,000
Baltimore City, Maryland 439 $ 19,392,000 $ 44,173 $ 50,000
Somerset, New Jersey 436 $ 57,914,000 $ 132,830 $ 80,000
Atlantic, New Jersey 431 $ 28,473,000 $ 66,062 $ 56,000
El Paso, Colorado 427 $ 15,914,000 $ 37,269 $ 60,000
Thurston, Washington 427 $ 39,451,000 $ 92,391 $ 76,000
Clackamas, Oregon 424 $ 50,908,000 $ 120,066 $ 85,000
Montgomery, Maryland 423 $ 42,175,000 $ 99,704 $ 98,000
Aroostook, Maine 415 $ 20,190,000 $ 48,650 $ 43,000
Sussex, New Jersey 415 $ 42,170,000 $ 101,614 $ 79,000
New London, Connecticut 412 $ 39,832,000 $ 96,679 $ 63,000
Ada, Idaho 412 $ 43,665,000 $ 105,983 $ 84,000
Kern, California 411 $ 18,264,000 $ 44,437 $ 70,000
San Diego, California 409 $ 47,994,000 $ 117,344 $ 90,000
Chester, Pennsylvania 404 $ 39,835,000 $ 98,601 $ 65,000
Oswego, New York 398 $ 14,643,000 $ 36,791 $ 48,000
Weber, Utah 398 $ 19,859,000 $ 49,896 $ 60,000
Jefferson, New York 397 $ 18,062,000 $ 45,496 $ 55,000
Barnstable, Massachusetts 394 $ 50,253,000 $ 127,545 $ 67,000
Kent, Rhode Island 394 $ 36,929,000 $ 93,728 $ 56,000
Jackson, Missouri 391 $ 7,162,000 $ 18,317 $ 47,000
Fresno, California 389 $ 24,128,000 $ 62,025 $ 72,000
Davis, Utah 386 $ 21,065,000 $ 54,572 $ 64,000
Saratoga, New York 378 $ 27,120,000 $ 71,746 $ 62,000
Elkhart, Indiana 377 $ 18,339,000 $ 48,644 $ 54,000
Genesee, Michigan 375 $ 8,404,000 $ 22,410 $ 54,000
Marion, Oregon 375 $ 25,627,000 $ 68,338 $ 54,000
Butler, Ohio 372 $ 13,950,000 $ 37,500 $ 60,000
Clark, Washington 369 $ 32,017,000 $ 86,766 $ 76,000
Oneida, New York 359 $ 14,097,000 $ 39,267 $ 45,000
Volusia, Florida 358 $ 18,341,000 $ 51,231 $ 54,000
Stanislaus, California 357 $ 18,118,000 $ 50,750 $ 76,000
Schenectady, New York 347 $ 19,103,000 $ 55,051 $ 58,000
Jefferson, Kentucky 342 $ 8,863,000 $ 25,915 $ 54,000
Rensselaer, New York 341 $ 20,094,000 $ 58,926 $ 54,000
Northampton, Pennsylvania 339 $ 23,819,000 $ 70,262 $ 73,000
Virginia Beach, Virginia 330 $ 18,735,000 $ 56,772 $ 58,000
Washtenaw, Michigan 325 $ 22,149,000 $ 68,150 $ 83,000
Wood, Ohio 322 $ 25,046,000 $ 77,782 $ 70,000
Prince William, Virginia 321 $ 28,579,000 $ 89,031 $ 73,000
Mahoning, Ohio 319 $ 13,586,000 $ 42,589 $ 82,000
St. Joseph, Indiana 318 $ 14,170,000 $ 44,559 $ 57,000
Monroe, Michigan 317 $ 17,977,000 $ 56,709 $ 59,000
Lake, Ohio 317 $ 20,288,000 $ 64,000 $ 54,000
Kitsap, Washington 310 $ 27,702,000 $ 89,361 $ 74,000
Lehigh, Pennsylvania 308 $ 16,374,000 $ 53,162 $ 60,000
St. Louis, Missouri 307 $ 5,509,000 $ 17,944 $ 47,000
Luzerne, Pennsylvania 306 $ 15,329,000 $ 50,094 $ 41,000
Shelby, Tennessee 302 $ 5,518,000 $ 18,271 $ 58,000
Chautauqua, New York 298 $ 13,308,000 $ 44,657 $ 41,000
Brevard, Florida 296 $ 15,449,000 $ 52,192 $ 54,000
Davidson, Tennessee 296 $ 7,102,000 $ 23,993 $ 96,000
Utah, Utah 296 $ 16,176,000 $ 54,648 $ 80,000
DeKalb, Georgia 295 $ 4,353,000 $ 14,755 $ 76,000
Clark, Ohio 295 $ 9,573,000 $ 32,450 $ 53,000
Solano, California 292 $ 21,071,000 $ 72,160 $ 76,000
Richland, Ohio 292 $ 16,246,000 $ 55,636 $ 61,000
Broome, New York 288 $ 10,508,000 $ 36,486 $ 48,000
Seminole, Florida 287 $ 14,400,000 $ 50,174 $ 64,000
Clinton, New York 287 $ 13,281,000 $ 46,275 $ 53,000
Lane, Oregon 287 $ 24,142,000 $ 84,118 $ 63,000
Harris, Texas 287 $ 3,741,000 $ 13,034 $ 53,000
Litchfield, Connecticut 286 $ 26,179,000 $ 91,534 $ 65,000
Mecklenburg, North Carolina 279 $ 10,591,000 $ 37,960 $ 70,000
Will, Illinois 276 $ 9,476,000 $ 34,333 $ 61,000
Alameda, California 269 $ 39,758,000 $ 147,799 $ 83,000
Lenawee, Michigan 269 $ 13,716,000 $ 50,988 $ 64,000
Lorain, Ohio 265 $ 12,963,000 $ 48,916 $ 55,000
Lancaster, Pennsylvania 265 $ 14,667,000 $ 55,347 $ 76,000
Tarrant, Texas 265 $ 3,977,000 $ 15,007 $ 66,000
Pasco, Florida 263 $ 11,665,000 $ 44,353 $ 57,000
Cayuga, New York 263 $ 10,984,000 $ 41,764 $ 49,000
Merrimack, New Hampshire 257 $ 24,152,000 $ 93,976 $ 64,000
Yakima, Washington 257 $ 14,972,000 $ 58,256 $ 48,000
Middlesex, Connecticut 253 $ 25,307,000 $ 100,027 $ 62,000
Weld, Colorado 248 $ 18,557,000 $ 74,826 $ 52,000
Putnam, New York 248 $ 39,270,000 $ 158,346 $ 84,000
York, Pennsylvania 246 $ 11,109,000 $ 45,158 $ 54,000
Ashtabula, Ohio 245 $ 11,448,000 $ 46,726 $ 41,000
Windham, Connecticut 242 $ 20,673,000 $ 85,425 $ 51,000
DuPage, Illinois 242 $ 7,080,000 $ 29,256 $ 76,000
Grant, Washington 239 $ 15,633,000 $ 65,410 $ 47,000
Jackson, Oregon 238 $ 19,687,000 $ 82,718 $ 71,000
Clermont, Ohio 237 $ 11,198,000 $ 47,248 $ 59,000
Milwaukee, Wisconsin 237 $ 4,220,000 $ 17,805 $ 65,000
Warren, New Jersey 236 $ 25,263,000 $ 107,046 $ 61,000
Polk, Florida 235 $ 10,320,000 $ 43,914 $ 48,000
Harford, Maryland 233 $ 11,555,000 $ 49,592 $ 77,000
Charles, Maryland 232 $ 12,079,000 $ 52,064 $ 74,000
Wake, North Carolina 232 $ 10,492,000 $ 45,224 $ 82,000
Sarasota, Florida 230 $ 13,105,000 $ 56,978 $ 72,000
Cumberland, North Carolina 230 $ 5,319,000 $ 23,126 $ 63,000
Westmoreland, Pennsylvania 229 $ 9,938,000 $ 43,397 $ 49,000
Pike, Pennsylvania 228 $ 19,001,000 $ 83,337 $ 50,000
Cobb, Georgia 227 $ 4,417,000 $ 19,458 $ 78,000
Hamilton, Indiana 227 $ 15,646,000 $ 68,925 $ 89,000
Cumberland, New Jersey 226 $ 12,574,000 $ 55,637 $ 48,000
Androscoggin, Maine 219 $ 12,689,000 $ 57,940 $ 52,000
Chittenden, Vermont 218 $ 27,300,000 $ 125,229 $ 62,000
Butte, California 217 $ 6,323,000 $ 29,138 $ 59,000
St. Lawrence, New York 216 $ 9,112,000 $ 42,185 $ 45,000
Wayne, New York 216 $ 8,940,000 $ 41,388 $ 62,000
Trumbull, Ohio 214 $ 7,488,000 $ 34,990 $ 57,000
Mason, Washington 214 $ 19,030,000 $ 88,925 $ 60,000
Benton, Washington 212 $ 15,816,000 $ 74,603 $ 60,000
Tolland, Connecticut 210 $ 19,492,000 $ 92,819 $ 67,000
Ontario, New York 210 $ 11,757,000 $ 55,985 $ 54,000
Santa Clara, California 209 $ 29,335,000 $ 140,358 $ 103,000
Canyon, Idaho 208 $ 13,336,000 $ 64,115 $ 50,000
Lake, Florida 207 $ 10,121,000 $ 48,893 $ 55,000
Clallam, Washington 207 $ 23,815,000 $ 115,048 $ 50,000
St. Lucie, Florida 206 $ 9,669,000 $ 46,936 $ 59,000
Portage, Ohio 206 $ 11,024,000 $ 53,514 $ 63,000
Tulare, California 202 $ 8,721,000 $ 43,173 $ 64,000
Lewis, New York 202 $ 6,620,000 $ 32,772 $ 50,000
Gwinnett, Georgia 201 $ 4,383,000 $ 21,805 $ 67,000
Allen, Indiana 201 $ 3,904,000 $ 19,422 $ 40,000
Dauphin, Pennsylvania 200 $ 7,556,000 $ 37,780 $ 55,000
Ventura, California 199 $ 19,005,000 $ 95,502 $ 101,000
Linn, Oregon 199 $ 13,284,000 $ 66,753 $ 46,000
Howard, Maryland 198 $ 14,084,000 $ 71,131 $ 85,000
Greene, Ohio 197 $ 9,458,000 $ 48,010 $ 83,000
Larimer, Colorado 195 $ 13,247,000 $ 67,933 $ 61,000
Schuylkill, Pennsylvania 195 $ 8,102,000 $ 41,548 $ 48,000
Collier, Florida 192 $ 23,079,000 $ 120,203 $ 137,000
Chesterfield, Virginia 191 $ 7,563,000 $ 39,596 $ 55,000
Loudoun, Virginia 191 $ 25,255,000 $ 132,225 $ 78,000
Osceola, Florida 190 $ 10,259,000 $ 53,994 $ 73,000
Medina, Ohio 190 $ 12,182,000 $ 64,115 $ 69,000
Ingham, Michigan 189 $ 5,365,000 $ 28,386 $ 61,000
Madison, New York 189 $ 8,517,000 $ 45,063 $ 52,000
Douglas, Colorado 185 $ 17,202,000 $ 92,983 $ 93,000
Oxford, Maine 185 $ 11,719,000 $ 63,345 $ 62,000
Whatcom, Washington 184 $ 17,169,000 $ 93,309 $ 55,000
Erie, Ohio 183 $ 9,564,000 $ 52,262 $ 51,000
Washington, Rhode Island 181 $ 19,297,000 $ 106,613 $ 58,000
Strafford, New Hampshire 180 $ 17,519,000 $ 97,327 $ 62,000
Kent, Delaware 179 $ 10,771,000 $ 60,173 $ 57,000
Sullivan, New York 179 $ 14,682,000 $ 82,022 $ 53,000
Howard, Indiana 175 $ 9,091,000 $ 51,948 $ 65,000
Frederick, Maryland 175 $ 13,637,000 $ 77,925 $ 79,000
Somerset, Maine 173 $ 8,946,000 $ 51,710 $ 52,000
Cape May, New Jersey 173 $ 17,399,000 $ 100,572 $ 61,000
Warren, Ohio 171 $ 11,040,000 $ 64,561 $ 94,000
Licking, Ohio 170 $ 5,520,000 $ 32,470 $ 57,000
Delaware, Ohio 166 $ 8,527,000 $ 51,367 $ 88,000
Richland, South Carolina 166 $ 3,965,000 $ 23,885 $ 52,000
Henrico, Virginia 165 $ 7,215,000 $ 43,727 $ 55,000
Waldo, Maine 164 $ 9,122,000 $ 55,621 $ 49,000
Lackawanna, Pennsylvania 163 $ 9,014,000 $ 55,300 $ 48,000
Sedgwick, Kansas 162 $ 2,371,000 $ 14,635 $ 50,000
Lycoming, Pennsylvania 162 $ 7,443,000 $ 45,944 $ 60,000
Bonneville, Idaho 161 $ 9,361,000 $ 58,142 $ 71,000
Douglas, Nebraska 160 $ 2,194,000 $ 13,712 $ 44,000
Carroll, Maryland 158 $ 10,600,000 $ 67,088 $ 83,000
Chesapeake, Virginia 158 $ 8,323,000 $ 52,677 $ 64,000
Lewis, Washington 158 $ 10,886,000 $ 68,898 $ 57,000
Kalamazoo, Michigan 157 $ 4,706,000 $ 29,974 $ 50,000
Otsego, New York 157 $ 7,540,000 $ 48,025 $ 38,000
Fairfield, Ohio 157 $ 5,833,000 $ 37,152 $ 79,000
Spotsylvania, Virginia 157 $ 9,862,000 $ 62,815 $ 68,000
Johnson, Indiana 156 $ 7,263,000 $ 46,557 $ 84,000
Fulton, Georgia 155 $ 3,289,000 $ 21,219 $ 69,000
Cattaraugus, New York 155 $ 6,290,000 $ 40,580 $ 47,000
Livingston, New York 154 $ 7,319,000 $ 47,525 $ 54,000
Merced, California 152 $ 7,314,000 $ 48,118 $ 65,000
Manatee, Florida 152 $ 9,457,000 $ 62,217 $ 57,000
Clayton, Georgia 152 $ 2,067,000 $ 13,598 $ 55,000
Richmond, Georgia 152 $ 1,425,000 $ 9,375 $ 52,000
Johnson, Kansas 152 $ 4,839,000 $ 31,835 $ 77,000
Columbia, New York 152 $ 10,321,000 $ 67,901 $ 54,000
Guilford, North Carolina 152 $ 8,008,000 $ 52,684 $ 63,000
Oklahoma, Oklahoma 152 $ 3,810,000 $ 25,065 $ 45,000
Saginaw, Michigan 151 $ 3,669,000 $ 24,298 $ 50,000
Sandusky, Ohio 149 $ 7,732,000 $ 51,892 $ 48,000
Hamilton, Tennessee 149 $ 3,864,000 $ 25,932 $ 53,000
Dallas, Texas 149 $ 2,191,000 $ 14,704 $ 74,000
Franklin, New York 147 $ 4,757,000 $ 32,360 $ 40,000
Muskegon, Michigan 146 $ 3,522,000 $ 24,123 $ 37,000
Hunterdon, New Jersey 146 $ 21,881,000 $ 149,869 $ 81,000
Greene, New York 146 $ 8,454,000 $ 57,904 $ 58,000
Tulsa, Oklahoma 145 $ 6,999,000 $ 48,268 $ 52,000
Rutherford, Tennessee 145 $ 3,341,000 $ 23,041 $ 59,000
Madison, Indiana 144 $ 5,636,000 $ 39,138 $ 48,000
Placer, California 142 $ 11,064,000 $ 77,915 $ 80,000
Lake, Illinois 142 $ 5,509,000 $ 38,795 $ 76,000
Warren, New York 141 $ 7,892,000 $ 55,971 $ 53,000
Knox, Maine 139 $ 10,821,000 $ 77,848 $ 61,000
Washington, New York 138 $ 6,541,000 $ 47,398 $ 50,000
Kane, Illinois 137 $ 4,092,000 $ 29,868 $ 69,000
Hennepin, Minnesota 137 $ 8,851,000 $ 64,605 $ 59,000
Boulder, Colorado 136 $ 12,937,000 $ 95,125 $ 83,000
Calhoun, Michigan 136 $ 3,342,000 $ 24,573 $ 43,000
Livingston, Michigan 136 $ 7,306,000 $ 53,720 $ 79,000
Cheshire, New Hampshire 135 $ 10,553,000 $ 78,170 $ 54,000
Montgomery, New York 135 $ 5,019,000 $ 37,177 $ 41,000
Washoe, Nevada 134 $ 8,210,000 $ 61,268 $ 59,000
Stafford, Virginia 134 $ 9,530,000 $ 71,119 $ 77,000
Columbiana, Ohio 133 $ 5,459,000 $ 41,045 $ 46,000
Beaver, Pennsylvania 133 $ 4,780,000 $ 35,939 $ 52,000
Grays Harbor, Washington 133 $ 7,740,000 $ 58,195 $ 50,000
Lexington, South Carolina 132 $ 4,113,000 $ 31,159 $ 62,000
Fulton, New York 129 $ 4,539,000 $ 35,186 $ 50,000
Cumberland, Pennsylvania 127 $ 4,421,000 $ 34,811 $ 52,000
Berkshire, Massachusetts 126 $ 9,502,000 $ 75,412 $ 49,000
Hampshire, Massachusetts 126 $ 8,738,000 $ 69,349 $ 59,000
Charlotte, Florida 125 $ 5,883,000 $ 47,064 $ 53,000
Huron, Ohio 125 $ 5,954,000 $ 47,632 $ 57,000
Herkimer, New York 124 $ 4,706,000 $ 37,951 $ 51,000
Chenango, New York 123 $ 3,421,000 $ 27,813 $ 49,000
New York, New York 123 $ 27,330,000 $ 222,195 $ 99,000
Mohave, Arizona 122 $ 8,901,000 $ 72,959 $ 64,000
Kenton, Kentucky 122 $ 1,690,000 $ 13,852 $ 57,000
Ottawa, Michigan 122 $ 3,161,000 $ 25,909 $ 47,000
St. Charles, Missouri 121 $ 4,196,000 $ 34,677 $ 66,000
Carbon, Pennsylvania 120 $ 5,307,000 $ 44,225 $ 48,000
Washington, Pennsylvania 119 $ 6,132,000 $ 51,529 $ 50,000
Newport, Rhode Island 119 $ 15,664,000 $ 131,630 $ 63,000
Berrien, Michigan 118 $ 5,033,000 $ 42,652 $ 53,000
Belknap, New Hampshire 118 $ 11,191,000 $ 94,838 $ 61,000
Skagit, Washington 118 $ 9,383,000 $ 79,516 $ 82,000
Shasta, California 117 $ 3,457,000 $ 29,547 $ 57,000
Bernalillo, New Mexico 117 $ 1,895,000 $ 16,196 $ 60,000
Forsyth, North Carolina 117 $ 5,092,000 $ 43,521 $ 58,000
Okaloosa, Florida 116 $ 6,184,000 $ 53,310 $ 67,000
Clay, Florida 115 $ 5,154,000 $ 44,817 $ 64,000
Rutland, Vermont 114 $ 8,930,000 $ 78,333 $ 46,000
Marion, Florida 112 $ 4,511,000 $ 40,276 $ 45,000
Erie, Pennsylvania 111 $ 5,459,000 $ 49,180 $ 44,000
Cowlitz, Washington 111 $ 6,645,000 $ 59,864 $ 49,000
Spokane, Washington 111 $ 6,417,000 $ 57,810 $ 56,000
Calvert, Maryland 110 $ 6,389,000 $ 58,081 $ 82,000
Montgomery, Tennessee 110 $ 1,713,000 $ 15,572 $ 51,000
Sumner, Tennessee 110 $ 2,986,000 $ 27,145 $ 58,000
Cortland, New York 109 $ 4,609,000 $ 42,284 $ 42,000
Franklin, Vermont 109 $ 9,386,000 $ 86,110 $ 53,000
Sonoma, California 108 $ 9,384,000 $ 86,888 $ 70,000
Hancock, Maine 108 $ 8,717,000 $ 80,712 $ 57,000
Hancock, Ohio 108 $ 5,555,000 $ 51,435 $ 60,000
Franklin, Pennsylvania 107 $ 5,989,000 $ 55,971 $ 48,000
Knox, Tennessee 107 $ 2,165,000 $ 20,233 $ 44,000
Sussex, Delaware 106 $ 7,723,000 $ 72,858 $ 57,000
Geauga, Ohio 106 $ 15,079,000 $ 142,254 $ 106,000
Wyandotte, Kansas 105 $ 2,117,000 $ 20,161 $ 49,000
Genesee, New York 105 $ 5,085,000 $ 48,428 $ 44,000
Schoharie, New York 105 $ 5,851,000 $ 55,723 $ 66,000
Windham, Vermont 105 $ 8,437,000 $ 80,352 $ 64,000
St. Clair, Illinois 104 $ 1,754,000 $ 16,865 $ 52,000
Jackson, Michigan 104 $ 3,698,000 $ 35,557 $ 53,000
Yamhill, Oregon 104 $ 9,800,000 $ 94,230 $ 58,000
Newport News, Virginia 104 $ 4,413,000 $ 42,432 $ 48,000
Pacific, Washington 104 $ 8,016,000 $ 77,076 $ 60,000
Ottawa, Ohio 103 $ 7,871,000 $ 76,417 $ 98,000
Northumberland, Pennsylvania 103 $ 5,084,000 $ 49,359 $ 37,000
St. Johns, Florida 101 $ 5,649,000 $ 55,930 $ 81,000
Bingham, Idaho 101 $ 4,105,000 $ 40,643 $ 52,000
Fayette, Kentucky 101 $ 2,375,000 $ 23,514 $ 67,000
Greenville, South Carolina 101 $ 3,371,000 $ 33,376 $ 52,000
Bay, Florida 100 $ 4,214,000 $ 42,140 $ 50,000
Santa Rosa, Florida 100 $ 4,903,000 $ 49,030 $ 55,000
Spartanburg, South Carolina 100 $ 2,357,000 $ 23,570 $ 53,000
Yavapai, Arizona 99 $ 7,593,000 $ 76,696 $ 67,000
Seneca, Ohio 99 $ 4,867,000 $ 49,161 $ 46,000
Cecil, Maryland 98 $ 6,762,000 $ 69,000 $ 63,000
Box Elder, Utah 98 $ 4,836,000 $ 49,346 $ 51,000
Yuma, Arizona 97 $ 3,458,000 $ 35,649 $ 58,000
Peoria, Illinois 96 $ 1,160,000 $ 12,083 $ 44,000
Lincoln, Maine 96 $ 9,446,000 $ 98,395 $ 59,000
Steuben, New York 96 $ 3,971,000 $ 41,364 $ 51,000
Grafton, New Hampshire 95 $ 7,275,000 $ 76,578 $ 63,000
Jefferson, Alabama 94 $ 1,170,000 $ 12,446 $ 52,000
Salem, New Jersey 94 $ 5,999,000 $ 63,819 $ 52,000
Racine, Wisconsin 93 $ 1,631,000 $ 17,537 $ 50,000
St. Clair, Michigan 92 $ 3,085,000 $ 33,532 $ 45,000
Delaware, New York 90 $ 5,704,000 $ 63,377 $ 45,000
Gaston, North Carolina 90 $ 3,891,000 $ 43,233 $ 43,000
Fayette, Pennsylvania 90 $ 3,643,000 $ 40,477 $ 54,000
Henry, Georgia 89 $ 2,159,000 $ 24,258 $ 69,000
McHenry, Illinois 89 $ 2,955,000 $ 33,202 $ 77,000
Eaton, Michigan 89 $ 2,116,000 $ 23,775 $ 66,000
Hernando, Florida 88 $ 3,326,000 $ 37,795 $ 47,000
St. Joseph, Michigan 88 $ 3,087,000 $ 35,079 $ 34,000
St. Louis City, Missouri 88 $ 1,846,000 $ 20,977 $ 41,000
Essex, New York 87 $ 4,049,000 $ 46,540 $ 50,000
Hampton, Virginia 87 $ 4,072,000 $ 46,804 $ 57,000
Anchorage, Alaska 86 $ 9,169,000 $ 106,616 $ 81,000
Hendricks, Indiana 86 $ 2,805,000 $ 32,616 $ 63,000
Mercer, Pennsylvania 86 $ 4,901,000 $ 56,988 $ 43,000
Pueblo, Colorado 85 $ 3,259,000 $ 38,341 $ 51,000
Shiawassee, Michigan 85 $ 1,879,000 $ 22,105 $ 54,000
Blair, Pennsylvania 85 $ 2,580,000 $ 30,352 $ 40,000
Tioga, New York 83 $ 3,665,000 $ 44,156 $ 44,000
Johnston, North Carolina 83 $ 2,921,000 $ 35,192 $ 61,000
Bannock, Idaho 82 $ 3,099,000 $ 37,792 $ 47,000
Franklin, Washington 82 $ 4,717,000 $ 57,524 $ 51,000
Madison, Illinois 81 $ 2,905,000 $ 35,864 $ 56,000
Allegan, Michigan 81 $ 2,777,000 $ 34,283 $ 45,000
Clay, Missouri 81 $ 1,069,000 $ 13,197 $ 68,000
Durham, North Carolina 81 $ 4,399,000 $ 54,308 $ 66,000
Richmond City, Virginia 81 $ 3,722,000 $ 45,950 $ 42,000
Tooele, Utah 80 $ 3,860,000 $ 48,250 $ 53,000
Norfolk, Virginia 80 $ 4,487,000 $ 56,087 $ 55,000
Seneca, New York 79 $ 3,088,000 $ 39,088 $ 48,000
El Dorado, California 78 $ 5,523,000 $ 70,807 $ 89,000
Monterey, California 78 $ 7,372,000 $ 94,512 $ 75,000
Escambia, Florida 78 $ 4,111,000 $ 52,705 $ 51,000
Kosciusko, Indiana 78 $ 4,475,000 $ 57,371 $ 40,000
Lake, Indiana 78 $ 1,871,000 $ 23,987 $ 43,000
Morgan, Indiana 78 $ 3,355,000 $ 43,012 $ 52,000
Anoka, Minnesota 78 $ 4,864,000 $ 62,358 $ 60,000
San Mateo, California 77 $ 11,657,000 $ 151,389 $ 87,000
Piscataquis, Maine 77 $ 3,596,000 $ 46,701 $ 44,000
St. Mary's, Maryland 77 $ 3,894,000 $ 50,571 $ 58,000
Chemung, New York 77 $ 2,556,000 $ 33,194 $ 46,000
Fulton, Ohio 77 $ 3,431,000 $ 44,558 $ 46,000
Josephine, Oregon 77 $ 5,797,000 $ 75,285 $ 50,000
Lebanon, Pennsylvania 77 $ 2,913,000 $ 37,831 $ 61,000
Chelan, Washington 77 $ 6,051,000 $ 78,584 $ 59,000
Columbia, Georgia 76 $ 1,264,000 $ 16,631 $ 69,000
Allen, Ohio 76 $ 3,030,000 $ 39,868 $ 47,000
Polk, Oregon 76 $ 6,250,000 $ 82,236 $ 49,000
Morgan, Colorado 75 $ 2,910,000 $ 38,800 $ 44,000
Butler, Pennsylvania 75 $ 5,009,000 $ 66,786 $ 64,000
Williamson, Tennessee 75 $ 1,741,000 $ 23,213 $ 68,000
Martin, Florida 74 $ 5,551,000 $ 75,013 $ 73,000
Ramsey, Minnesota 74 $ 3,014,000 $ 40,729 $ 51,000
Charleston, South Carolina 74 $ 4,060,000 $ 54,864 $ 69,000
Waukesha, Wisconsin 74 $ 1,392,000 $ 18,810 $ 61,000
Laramie, Wyoming 74 $ 1,137,000 $ 15,364 $ 61,000
Polk, Iowa 73 $ 3,333,000 $ 45,657 $ 43,000
Sagadahoc, Maine 73 $ 6,077,000 $ 83,246 $ 66,000
Franklin, Massachusetts 73 $ 4,857,000 $ 66,534 $ 60,000
Travis, Texas 73 $ 2,685,000 $ 36,780 $ 57,000
Tazewell, Illinois 72 $ 1,029,000 $ 14,291 $ 47,000
Allegany, New York 72 $ 3,112,000 $ 43,222 $ 41,000
Addison, Vermont 72 $ 7,535,000 $ 104,652 $ 60,000
Island, Washington 72 $ 8,239,000 $ 114,430 $ 65,000
Sutter, California 71 $ 2,929,000 $ 41,253 $ 64,000
Bay, Michigan 71 $ 1,899,000 $ 26,746 $ 77,000
Cabarrus, North Carolina 71 $ 2,368,000 $ 33,352 $ 63,000
Aiken, South Carolina 71 $ 2,584,000 $ 36,394 $ 43,000
Greene, Missouri 70 $ 1,679,000 $ 23,985 $ 58,000
Wayne, Ohio 70 $ 2,332,000 $ 33,314 $ 51,000
Cache, Utah 70 $ 3,708,000 $ 52,971 $ 70,000
Windsor, Vermont 70 $ 7,003,000 $ 100,042 $ 60,000
Dane, Wisconsin 70 $ 1,049,000 $ 14,985 $ 88,000
Kings, California 69 $ 2,798,000 $ 40,550 $ 65,000
Flagler, Florida 69 $ 4,412,000 $ 63,942 $ 63,000
Cass, Michigan 69 $ 4,588,000 $ 66,492 $ 79,000
Orleans, New York 69 $ 2,859,000 $ 41,434 $ 55,000
Columbia, Pennsylvania 69 $ 3,625,000 $ 52,536 $ 47,000
Wilson, Tennessee 69 $ 1,222,000 $ 17,710 $ 59,000
Vanderburgh, Indiana 68 $ 647,000 $ 9,514 $ 44,000
Wyoming, New York 68 $ 3,067,000 $ 45,102 $ 43,000
Miami, Ohio 68 $ 2,578,000 $ 37,911 $ 54,000
Horry, South Carolina 68 $ 5,712,000 $ 84,000 $ 53,000
Sebastian, Arkansas 67 $ 2,092,000 $ 31,223 $ 41,000
Shelby, Indiana 67 $ 2,761,000 $ 41,208 $ 54,000
Washington, Maryland 67 $ 5,518,000 $ 82,358 $ 55,000
DeSoto, Mississippi 67 $ 1,530,000 $ 22,835 $ 88,000
Cambria, Pennsylvania 66 $ 2,364,000 $ 35,818 $ 46,000
Washington, Vermont 66 $ 5,556,000 $ 84,181 $ 59,000
Leon, Florida 65 $ 2,990,000 $ 46,000 $ 68,000
Cherokee, Georgia 65 $ 1,223,000 $ 18,815 $ 63,000
Marion, Ohio 65 $ 1,814,000 $ 27,907 $ 43,000
Bradford, Pennsylvania 65 $ 3,217,000 $ 49,492 $ 43,000
Kenosha, Wisconsin 65 $ 1,320,000 $ 20,307 $ 59,000
Tehama, California 64 $ 1,407,000 $ 21,984 $ 50,000
Winnebago, Illinois 64 $ 1,461,000 $ 22,828 $ 53,000
Yellowstone, Montana 64 $ 1,263,000 $ 19,734 $ 72,000
Bexar, Texas 64 $ 1,235,000 $ 19,296 $ 51,000
Cochise, Arizona 63 $ 2,202,000 $ 34,952 $ 64,000
Boone, Indiana 63 $ 3,898,000 $ 61,873 $ 71,000
Lapeer, Michigan 63 $ 1,522,000 $ 24,158 $ 51,000
Tuscarawas, Ohio 63 $ 3,358,000 $ 53,301 $ 52,000
York, South Carolina 63 $ 2,234,000 $ 35,460 $ 62,000
Tompkins, New York 62 $ 2,717,000 $ 43,822 $ 63,000
Deschutes, Oregon 62 $ 4,084,000 $ 65,870 $ 53,000
Lawrence, Pennsylvania 62 $ 2,533,000 $ 40,854 $ 47,000
Bennington, Vermont 62 $ 5,194,000 $ 83,774 $ 54,000
Douglas, Georgia 61 $ 1,205,000 $ 19,754 $ 57,000
Williams, Ohio 61 $ 832,000 $ 13,639 $ 54,000
Wayne, Pennsylvania 61 $ 3,270,000 $ 53,606 $ 52,000
Berkeley, South Carolina 61 $ 2,084,000 $ 34,163 $ 56,000
Summit, Utah 61 $ 15,917,000 $ 260,934 $ 144,000
Coconino, Arizona 60 $ 3,746,000 $ 62,433 $ 52,000
Franklin, Maine 60 $ 3,580,000 $ 59,666 $ 56,000
Crawford, Ohio 60 $ 1,831,000 $ 30,516 $ 53,000
Ross, Ohio 60 $ 2,003,000 $ 33,383 $ 54,000
Bristol, Rhode Island 60 $ 7,942,000 $ 132,366 $ 60,000
Pulaski, Arkansas 59 $ 1,503,000 $ 25,474 $ 51,000
Madera, California 59 $ 3,766,000 $ 63,830 $ 53,000
Boone, Kentucky 59 $ 2,237,000 $ 37,915 $ 71,000
Union, Ohio 59 $ 1,766,000 $ 29,932 $ 64,000
Clearfield, Pennsylvania 59 $ 2,367,000 $ 40,118 $ 43,000
Natrona, Wyoming 59 $ 921,000 $ 15,610 $ 36,000
Yolo, California 58 $ 3,867,000 $ 66,672 $ 69,000
Paulding, Georgia 58 $ 1,120,000 $ 19,310 $ 65,000
Caddo, Louisiana 58 $ 842,000 $ 14,517 $ 54,000
Davidson, North Carolina 58 $ 2,673,000 $ 46,086 $ 46,000
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Mortgage Loan Application Detail Totals for Keybank National Association 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 Improvement 91,962 $2,374,588,000 $21,686 $3,480,000 $59,843 $6,240,000
Refinancing 86,045 $9,563,365,000 $155,800 $6,000,000 $188,120 $6,607,000
Home Purchase 6,948 $932,779,000 $190,250 $9,537,000 $119,333 $3,415,000

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 98,255 $5,671,277,000 $70,596 $6,000,000 $107,500 $6,607,000
Not Provided 53,687 $5,528,805,000 $88,862 $3,500,000 $56,843 $4,971,000
Black or African American 17,983 $794,087,000 $42,775 $995,000 $55,897 $2,503,000
Hispanic 10,040 $488,261,000 $39,540 $1,110,000 $62,100 $6,240,000
Asian 2,157 $212,564,000 $65,818 $1,700,000 $70,500 $3,000,000
Not applicable 1,368 $87,486,000 $156,382 $9,537,000 $11,029 $725,000
American Indian or Alaskan Native 959 $57,967,000 $47,195 $497,000 $59,500 $2,336,000
Native Hawaiian or Other Pacific Islander 506 $30,285,000 $70,256 $599,000 $103,307 $1,566,000

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) 184,774 $12,853,030,000 $71,538 $9,537,000 $100,173 $6,607,000
VA-guaranteed (Veterans Administration) 105 $10,330,000 $82,812 $307,000 $55,312 $145,000
FHA-insured (Federal Housing Administration) 75 $7,295,000 $85,500 $207,000 $62,142 $138,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $77,000 $77,000 $77,000 $43,000 $43,000

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
Application Denied By Financial Institution 60,259 $3,130,892,000 $40,823 $5,100,000 $52,882 $5,635,000
Loan Originated 51,057 $3,079,807,000 $100,800 $9,537,000 $201,260 $6,607,000
Application Withdrawn By Applicant 47,733 $5,141,419,000 $69,937 $3,500,000 $56,166 $4,971,000
Application Approved But Not Accepted 21,575 $1,124,473,000 $60,000 $3,225,000 $84,500 $1,915,000
File Closed For Incompleteness 1,942 $217,037,000 $113,853 $910,000 $65,487 $1,716,000
Loan Purchased By The Institution 1,319 $51,611,000 $63,032 $225,000 $0 $0
Preapproval Denied by Financial Institution 1,070 $125,493,000 $117,000 $1,000,000 $44,000 $753,000
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 27,140 $746,261,000 $26,274 $1,050,000 $54,450 $5,635,000
Debt-To-Income Ratio 20,272 $1,382,686,000 $48,820 $5,100,000 $43,920 $2,000,000
Collateral 8,508 $669,639,000 $65,568 $3,480,000 $57,098 $3,025,000
Other 4,525 $358,494,000 $75,326 $1,150,000 $60,755 $1,164,000
Employment History 408 $43,495,000 $111,225 $500,000 $53,825 $321,000
Unverifiable Information 386 $45,063,000 $106,451 $1,200,000 $47,225 $660,000
Insufficient Cash (Downpayment, Closing Cost) 55 $6,232,000 $135,000 $499,000 $58,545 $181,000
Credit Application Incomplete 35 $4,515,000 $132,066 $325,000 $58,466 $128,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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