Keybank National Association Mortgage Lending & HMDA Data, 2007

In 2007, Keybank National Association of Cleveland, OH reported 75,110 mortgage applications totaling $3.6 billion, down 61% from 2006. The average application was for $48,107, and applicants reported an average income of $91,290. 39% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,519), Cleveland-Elyria-Mentor, OH (2,260) and Seattle-Bellevue-Everett, WA (1,816) (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 75,110
Total Mortgage Loan Application Amount $3,613,359,000
Average Mortgage Loan Application Amount $48,107
Highest Mortgage Loan Application Amount $4,550,000
Average Applicant Income $91,290
Highest Applicant Income $9,198,000

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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,751 $ 99,209,000 $ 36,062 $ 108,000
Cuyahoga, Ohio 1,836 $ 130,043,000 $ 70,829 $ 82,000
King, Washington 1,423 $ 202,178,000 $ 142,078 $ 143,000
Clark, Nevada 967 $ 41,337,000 $ 42,747 $ 125,000
San Bernardino, California 831 $ 29,616,000 $ 35,638 $ 111,000
Riverside, California 825 $ 36,291,000 $ 43,989 $ 129,000
Pinal, Arizona 768 $ 24,273,000 $ 31,605 $ 87,000
Harris, Texas 728 $ 27,714,000 $ 38,068 $ 120,000
Erie, New York 708 $ 43,531,000 $ 61,484 $ 73,000
Cook, Illinois 706 $ 17,300,000 $ 24,504 $ 82,000
Los Angeles, California 689 $ 23,988,000 $ 34,815 $ 115,000
Pierce, Washington 675 $ 73,077,000 $ 108,262 $ 100,000
Lucas, Ohio 648 $ 38,144,000 $ 58,864 $ 62,000
Franklin, Ohio 612 $ 29,597,000 $ 48,361 $ 75,000
Salt Lake, Utah 552 $ 56,389,000 $ 102,153 $ 101,000
Wayne, Michigan 524 $ 12,109,000 $ 23,108 $ 67,000
Montgomery, Ohio 500 $ 19,838,000 $ 39,676 $ 64,000
Onondaga, New York 488 $ 26,054,000 $ 53,389 $ 79,000
Hamilton, Ohio 476 $ 26,975,000 $ 56,670 $ 89,000
Prince George's, Maryland 453 $ 12,082,000 $ 26,671 $ 100,000
Pima, Arizona 437 $ 15,423,000 $ 35,292 $ 101,000
Tarrant, Texas 429 $ 12,510,000 $ 29,160 $ 101,000
Philadelphia, Pennsylvania 428 $ 6,749,000 $ 15,768 $ 59,000
Suffolk, New York 396 $ 9,592,000 $ 24,222 $ 125,000
Milwaukee, Wisconsin 394 $ 7,617,000 $ 19,332 $ 76,000
Snohomish, Washington 393 $ 42,436,000 $ 107,979 $ 102,000
Summit, Ohio 373 $ 24,104,000 $ 64,621 $ 75,000
Miami-Dade, Florida 350 $ 7,920,000 $ 22,628 $ 101,000
Collin, Texas 349 $ 12,945,000 $ 37,091 $ 111,000
Allegheny, Pennsylvania 333 $ 5,953,000 $ 17,876 $ 72,000
Kent, Michigan 332 $ 4,518,000 $ 13,608 $ 53,000
Sacramento, California 329 $ 11,916,000 $ 36,218 $ 112,000
Cumberland, Maine 324 $ 42,849,000 $ 132,250 $ 100,000
Dallas, Texas 306 $ 9,037,000 $ 29,532 $ 96,000
Elkhart, Indiana 299 $ 21,007,000 $ 70,257 $ 55,000
Arapahoe, Colorado 297 $ 24,224,000 $ 81,562 $ 112,000
Orange, Florida 292 $ 11,493,000 $ 39,359 $ 110,000
Shelby, Tennessee 290 $ 6,415,000 $ 22,120 $ 85,000
Jackson, Missouri 287 $ 4,962,000 $ 17,289 $ 67,000
Washington, Oregon 284 $ 34,743,000 $ 122,334 $ 106,000
Ada, Idaho 281 $ 40,235,000 $ 143,185 $ 102,000
Albany, New York 281 $ 28,208,000 $ 100,384 $ 108,000
Oakland, Michigan 280 $ 12,763,000 $ 45,582 $ 134,000
Hillsborough, Florida 279 $ 10,720,000 $ 38,422 $ 108,000
Marion, Indiana 276 $ 14,325,000 $ 51,902 $ 82,000
Baltimore, Maryland 269 $ 6,128,000 $ 22,780 $ 89,000
Stark, Ohio 268 $ 19,494,000 $ 72,738 $ 77,000
Denton, Texas 258 $ 10,479,000 $ 40,616 $ 117,000
Monroe, New York 257 $ 8,685,000 $ 33,793 $ 56,000
Multnomah, Oregon 251 $ 42,944,000 $ 171,091 $ 132,000
Kern, California 249 $ 9,238,000 $ 37,100 $ 111,000
Hartford, Connecticut 241 $ 5,876,000 $ 24,381 $ 102,000
El Paso, Texas 241 $ 8,002,000 $ 33,203 $ 86,000
St. Joseph, Indiana 237 $ 13,711,000 $ 57,852 $ 58,000
Adams, Colorado 232 $ 13,489,000 $ 58,142 $ 77,000
Burlington, New Jersey 227 $ 6,614,000 $ 29,136 $ 99,000
El Paso, Colorado 224 $ 11,224,000 $ 50,107 $ 75,000
Williamson, Texas 223 $ 9,467,000 $ 42,452 $ 119,000
Jefferson, Kentucky 220 $ 3,278,000 $ 14,900 $ 70,000
San Joaquin, California 219 $ 8,980,000 $ 41,004 $ 133,000
Genesee, Michigan 217 $ 3,484,000 $ 16,055 $ 61,000
Aroostook, Maine 215 $ 16,485,000 $ 76,674 $ 51,000
Stanislaus, California 214 $ 9,110,000 $ 42,570 $ 117,000
Will, Illinois 212 $ 6,056,000 $ 28,566 $ 103,000
Camden, New Jersey 212 $ 5,468,000 $ 25,792 $ 90,000
Orange, New York 211 $ 18,486,000 $ 87,611 $ 97,000
Montgomery, Pennsylvania 211 $ 5,518,000 $ 26,151 $ 107,000
Thurston, Washington 211 $ 19,964,000 $ 94,616 $ 79,000
Broward, Florida 209 $ 5,731,000 $ 27,421 $ 113,000
Fort Bend, Texas 207 $ 8,260,000 $ 39,903 $ 148,000
Clackamas, Oregon 206 $ 36,338,000 $ 176,398 $ 121,000
Montgomery, Texas 206 $ 8,491,000 $ 41,218 $ 131,000
Macomb, Michigan 203 $ 6,054,000 $ 29,822 $ 90,000
Fresno, California 202 $ 7,914,000 $ 39,178 $ 114,000
Jefferson, Colorado 201 $ 19,742,000 $ 98,218 $ 111,000
Oneida, New York 201 $ 5,267,000 $ 26,203 $ 58,000
Tulare, California 196 $ 7,422,000 $ 37,867 $ 106,000
Duval, Florida 196 $ 5,262,000 $ 26,846 $ 90,000
Denver, Colorado 193 $ 21,212,000 $ 109,906 $ 92,000
Jefferson, New York 192 $ 10,455,000 $ 54,453 $ 60,000
Gloucester, New Jersey 191 $ 6,114,000 $ 32,010 $ 110,000
Rensselaer, New York 190 $ 14,341,000 $ 75,478 $ 78,000
Davidson, Tennessee 188 $ 2,707,000 $ 14,398 $ 65,000
Travis, Texas 187 $ 9,335,000 $ 49,919 $ 117,000
New Haven, Connecticut 186 $ 3,880,000 $ 20,860 $ 95,000
Butler, Ohio 185 $ 6,974,000 $ 37,697 $ 76,000
Utah, Utah 185 $ 13,627,000 $ 73,659 $ 90,000
Wake, North Carolina 184 $ 4,757,000 $ 25,853 $ 97,000
Niagara, New York 183 $ 9,528,000 $ 52,065 $ 73,000
St. Louis, Missouri 182 $ 3,700,000 $ 20,329 $ 74,000
Oswego, New York 182 $ 5,589,000 $ 30,708 $ 72,000
Saratoga, New York 182 $ 17,337,000 $ 95,258 $ 83,000
Volusia, Florida 180 $ 6,528,000 $ 36,266 $ 99,000
New Castle, Delaware 178 $ 4,860,000 $ 27,303 $ 118,000
Mecklenburg, North Carolina 178 $ 5,087,000 $ 28,578 $ 99,000
DuPage, Illinois 175 $ 4,401,000 $ 25,148 $ 107,000
Marion, Oregon 173 $ 17,561,000 $ 101,508 $ 81,000
Anne Arundel, Maryland 171 $ 4,180,000 $ 24,444 $ 104,000
Wood, Ohio 171 $ 12,598,000 $ 73,672 $ 70,000
Lee, Florida 168 $ 13,756,000 $ 81,880 $ 109,000
Delaware, Pennsylvania 167 $ 3,657,000 $ 21,898 $ 84,000
Ocean, New Jersey 164 $ 4,330,000 $ 26,402 $ 102,000
Polk, Florida 163 $ 5,931,000 $ 36,386 $ 89,000
Schenectady, New York 163 $ 9,850,000 $ 60,429 $ 62,000
Hidalgo, Texas 163 $ 5,031,000 $ 30,865 $ 122,000
Bexar, Texas 162 $ 6,300,000 $ 38,888 $ 120,000
Orange, California 160 $ 7,901,000 $ 49,381 $ 178,000
Bucks, Pennsylvania 160 $ 4,171,000 $ 26,068 $ 96,000
Hamilton, Indiana 159 $ 13,242,000 $ 83,283 $ 109,000
Johnson, Kansas 157 $ 3,789,000 $ 24,133 $ 93,000
Larimer, Colorado 156 $ 12,506,000 $ 80,166 $ 85,000
Monroe, Michigan 154 $ 12,669,000 $ 82,266 $ 73,000
Monmouth, New Jersey 154 $ 6,200,000 $ 40,259 $ 143,000
Lane, Oregon 153 $ 16,945,000 $ 110,751 $ 77,000
Lehigh, Pennsylvania 152 $ 4,172,000 $ 27,447 $ 88,000
Lorain, Ohio 145 $ 8,088,000 $ 55,779 $ 83,000
Davis, Utah 145 $ 9,895,000 $ 68,241 $ 86,000
Jackson, Oregon 144 $ 17,907,000 $ 124,354 $ 76,000
Pinellas, Florida 143 $ 5,913,000 $ 41,349 $ 97,000
Kennebec, Maine 143 $ 9,625,000 $ 67,307 $ 67,000
Waukesha, Wisconsin 143 $ 3,357,000 $ 23,475 $ 100,000
Sedgwick, Kansas 141 $ 1,739,000 $ 12,333 $ 60,000
Baltimore City, Maryland 141 $ 2,411,000 $ 17,099 $ 58,000
Washtenaw, Michigan 140 $ 12,824,000 $ 91,600 $ 91,000
Penobscot, Maine 139 $ 9,107,000 $ 65,517 $ 71,000
Northampton, Pennsylvania 139 $ 3,981,000 $ 28,640 $ 78,000
York, Maine 137 $ 16,141,000 $ 117,817 $ 109,000
Queens, New York 137 $ 2,384,000 $ 17,401 $ 93,000
Contra Costa, California 136 $ 6,490,000 $ 47,720 $ 144,000
Dane, Wisconsin 136 $ 2,974,000 $ 21,867 $ 74,000
Anchorage, Alaska 135 $ 21,078,000 $ 156,133 $ 118,000
Hampden, Massachusetts 135 $ 3,108,000 $ 23,022 $ 74,000
Lenawee, Michigan 135 $ 8,233,000 $ 60,985 $ 62,000
Pasco, Florida 132 $ 5,314,000 $ 40,257 $ 112,000
Gwinnett, Georgia 131 $ 3,279,000 $ 25,030 $ 101,000
Muskegon, Michigan 129 $ 2,213,000 $ 17,155 $ 49,000
Berks, Pennsylvania 129 $ 2,926,000 $ 22,682 $ 71,000
Monroe, Pennsylvania 129 $ 3,631,000 $ 28,147 $ 96,000
Osceola, Florida 127 $ 5,414,000 $ 42,629 $ 95,000
Erie, Ohio 127 $ 10,301,000 $ 81,110 $ 77,000
Lake, Ohio 127 $ 9,233,000 $ 72,700 $ 82,000
Ashtabula, Ohio 126 $ 6,849,000 $ 54,357 $ 55,000
Rutherford, Tennessee 126 $ 2,282,000 $ 18,111 $ 72,000
Clark, Ohio 125 $ 4,400,000 $ 35,200 $ 64,000
Seminole, Florida 124 $ 4,286,000 $ 34,564 $ 97,000
Brevard, Florida 123 $ 4,189,000 $ 34,056 $ 101,000
Mahoning, Ohio 123 $ 6,505,000 $ 52,886 $ 66,000
Placer, California 122 $ 5,349,000 $ 43,844 $ 140,000
Lake, Florida 121 $ 4,555,000 $ 37,644 $ 98,000
Ulster, New York 121 $ 11,642,000 $ 96,214 $ 89,000
York, Pennsylvania 120 $ 2,954,000 $ 24,616 $ 87,000
San Diego, California 119 $ 5,713,000 $ 48,008 $ 178,000
Canyon, Idaho 119 $ 11,905,000 $ 100,042 $ 67,000
Kalamazoo, Michigan 119 $ 1,914,000 $ 16,084 $ 55,000
Clinton, New York 119 $ 7,723,000 $ 64,899 $ 60,000
Nassau, New York 119 $ 2,795,000 $ 23,487 $ 101,000
Dutchess, New York 118 $ 7,751,000 $ 65,686 $ 111,000
Ottawa, Michigan 117 $ 1,803,000 $ 15,410 $ 58,000
Richland, Ohio 117 $ 6,566,000 $ 56,119 $ 57,000
Clark, Washington 117 $ 9,135,000 $ 78,076 $ 90,000
Whatcom, Washington 117 $ 12,044,000 $ 102,940 $ 119,000
Worcester, Massachusetts 116 $ 2,291,000 $ 19,750 $ 91,000
Ingham, Michigan 116 $ 2,322,000 $ 20,017 $ 61,000
Chautauqua, New York 116 $ 6,701,000 $ 57,767 $ 62,000
Montgomery, Tennessee 116 $ 1,675,000 $ 14,439 $ 66,000
Greene, Ohio 114 $ 8,075,000 $ 70,833 $ 90,000
Westmoreland, Pennsylvania 114 $ 2,689,000 $ 23,587 $ 86,000
Montgomery, Maryland 113 $ 3,474,000 $ 30,743 $ 126,000
Montgomery, New York 113 $ 3,838,000 $ 33,964 $ 51,000
Luzerne, Pennsylvania 112 $ 2,481,000 $ 22,151 $ 56,000
Cobb, Georgia 111 $ 2,791,000 $ 25,144 $ 97,000
Calhoun, Michigan 111 $ 1,813,000 $ 16,333 $ 50,000
Middlesex, New Jersey 111 $ 3,095,000 $ 27,882 $ 104,000
Douglas, Colorado 110 $ 12,971,000 $ 117,918 $ 121,000
Cumberland, North Carolina 110 $ 2,748,000 $ 24,981 $ 97,000
DeKalb, Georgia 109 $ 2,116,000 $ 19,412 $ 75,000
Hennepin, Minnesota 109 $ 4,363,000 $ 40,027 $ 86,000
Atlantic, New Jersey 109 $ 3,413,000 $ 31,311 $ 102,000
Chester, Pennsylvania 108 $ 3,673,000 $ 34,009 $ 120,000
Yakima, Washington 107 $ 7,886,000 $ 73,700 $ 62,000
Fulton, Georgia 105 $ 2,654,000 $ 25,276 $ 103,000
Richland, South Carolina 105 $ 1,828,000 $ 17,409 $ 80,000
Madison, Indiana 103 $ 5,840,000 $ 56,699 $ 72,000
Clermont, Ohio 103 $ 6,239,000 $ 60,572 $ 72,000
Medina, Ohio 102 $ 6,871,000 $ 67,362 $ 99,000
Kings, California 101 $ 3,976,000 $ 39,366 $ 114,000
Kane, Illinois 101 $ 4,085,000 $ 40,445 $ 118,000
Lake, Illinois 101 $ 4,246,000 $ 42,039 $ 107,000
Hancock, Ohio 101 $ 4,473,000 $ 44,287 $ 60,000
Warren, Ohio 101 $ 7,267,000 $ 71,950 $ 110,000
Oklahoma, Oklahoma 101 $ 1,533,000 $ 15,178 $ 70,000
Cayuga, New York 100 $ 4,584,000 $ 45,840 $ 54,000
St. Lawrence, New York 100 $ 4,933,000 $ 49,330 $ 50,000
Portage, Ohio 100 $ 7,067,000 $ 70,670 $ 71,000
Fairfield, Connecticut 99 $ 2,526,000 $ 25,515 $ 117,000
Middlesex, Massachusetts 99 $ 2,331,000 $ 23,545 $ 98,000
Broome, New York 99 $ 1,540,000 $ 15,555 $ 45,000
Linn, Oregon 99 $ 9,409,000 $ 95,040 $ 70,000
Galveston, Texas 99 $ 3,573,000 $ 36,090 $ 112,000
Jackson, Michigan 97 $ 2,509,000 $ 25,865 $ 67,000
Passaic, New Jersey 97 $ 2,797,000 $ 28,835 $ 116,000
Brazoria, Texas 97 $ 3,653,000 $ 37,659 $ 119,000
Weber, Utah 97 $ 5,847,000 $ 60,278 $ 83,000
Racine, Wisconsin 97 $ 1,826,000 $ 18,824 $ 68,000
Bonneville, Idaho 96 $ 8,817,000 $ 91,843 $ 121,000
Huron, Ohio 96 $ 6,882,000 $ 71,687 $ 60,000
Kitsap, Washington 96 $ 13,672,000 $ 142,416 $ 89,000
St. Charles, Missouri 95 $ 2,370,000 $ 24,947 $ 90,000
Essex, New Jersey 95 $ 2,094,000 $ 22,042 $ 104,000
Fulton, New York 95 $ 4,078,000 $ 42,926 $ 54,000
Saginaw, Michigan 93 $ 1,513,000 $ 16,268 $ 49,000
Allen, Indiana 90 $ 1,766,000 $ 19,622 $ 79,000
Weld, Colorado 89 $ 5,788,000 $ 65,033 $ 93,000
Harford, Maryland 89 $ 2,077,000 $ 23,337 $ 95,000
Providence, Rhode Island 89 $ 1,444,000 $ 16,224 $ 81,000
Lewis, Washington 89 $ 7,111,000 $ 79,898 $ 61,000
Union, New Jersey 88 $ 1,970,000 $ 22,386 $ 123,000
Sarasota, Florida 87 $ 5,277,000 $ 60,655 $ 100,000
Knox, Tennessee 87 $ 1,442,000 $ 16,574 $ 78,000
Fairfax, Virginia 87 $ 2,525,000 $ 29,022 $ 151,000
Matanuska-Susitna, Alaska 86 $ 10,307,000 $ 119,848 $ 82,000
Charles, Maryland 85 $ 2,917,000 $ 34,317 $ 118,000
Mason, Washington 85 $ 10,178,000 $ 119,741 $ 63,000
Bergen, New Jersey 84 $ 2,080,000 $ 24,761 $ 116,000
Madison, New York 82 $ 3,391,000 $ 41,353 $ 64,000
Bell, Texas 82 $ 3,153,000 $ 38,451 $ 100,000
Alameda, California 81 $ 4,858,000 $ 59,975 $ 150,000
Yuma, Arizona 80 $ 2,727,000 $ 34,087 $ 92,000
Herkimer, New York 80 $ 1,477,000 $ 18,462 $ 48,000
Seneca, Ohio 80 $ 3,421,000 $ 42,762 $ 51,000
Berrien, Michigan 79 $ 2,052,000 $ 25,974 $ 50,000
Bernalillo, New Mexico 79 $ 2,492,000 $ 31,544 $ 95,000
Peoria, Illinois 78 $ 908,000 $ 11,641 $ 62,000
Androscoggin, Maine 78 $ 4,812,000 $ 61,692 $ 68,000
Livingston, Michigan 78 $ 5,341,000 $ 68,474 $ 78,000
Delaware, Ohio 78 $ 7,326,000 $ 93,923 $ 100,000
Licking, Ohio 78 $ 2,488,000 $ 31,897 $ 69,000
Johnson, Indiana 77 $ 3,958,000 $ 51,402 $ 68,000
Kosciusko, Indiana 77 $ 4,805,000 $ 62,402 $ 71,000
Clay, Missouri 76 $ 1,444,000 $ 19,000 $ 84,000
Nueces, Texas 76 $ 2,146,000 $ 28,236 $ 99,000
New London, Connecticut 75 $ 1,623,000 $ 21,640 $ 87,000
Clay, Florida 75 $ 2,676,000 $ 35,680 $ 93,000
Lexington, South Carolina 75 $ 1,277,000 $ 17,026 $ 73,000
Spartanburg, South Carolina 75 $ 1,484,000 $ 19,786 $ 78,000
Okaloosa, Florida 73 $ 3,256,000 $ 44,602 $ 108,000
Kenton, Kentucky 73 $ 1,532,000 $ 20,986 $ 74,000
Fairbanks North Star, Alaska 72 $ 7,768,000 $ 107,888 $ 86,000
Palm Beach, Florida 72 $ 6,149,000 $ 85,402 $ 203,000
Otsego, New York 72 $ 4,129,000 $ 57,347 $ 67,000
Guilford, North Carolina 72 $ 1,428,000 $ 19,833 $ 74,000
Josephine, Oregon 72 $ 6,721,000 $ 93,347 $ 57,000
Howard, Maryland 71 $ 2,360,000 $ 33,239 $ 145,000
Allegan, Michigan 71 $ 1,086,000 $ 15,295 $ 54,000
Lewis, New York 71 $ 2,710,000 $ 38,169 $ 47,000
Lancaster, Pennsylvania 71 $ 1,610,000 $ 22,676 $ 92,000
DeSoto, Mississippi 70 $ 1,716,000 $ 24,514 $ 86,000
Iredell, North Carolina 70 $ 2,303,000 $ 32,900 $ 114,000
St. Lucie, Florida 69 $ 4,037,000 $ 58,507 $ 102,000
Essex, Massachusetts 69 $ 1,572,000 $ 22,782 $ 106,000
Greenville, South Carolina 69 $ 1,238,000 $ 17,942 $ 86,000
Fayette, Kentucky 68 $ 1,615,000 $ 23,750 $ 74,000
Knox, Maine 68 $ 11,104,000 $ 163,294 $ 142,000
Union, North Carolina 68 $ 3,558,000 $ 52,323 $ 141,000
Flagler, Florida 67 $ 2,445,000 $ 36,492 $ 83,000
Santa Rosa, Florida 67 $ 2,448,000 $ 36,537 $ 96,000
Tazewell, Illinois 67 $ 785,000 $ 11,716 $ 57,000
Plymouth, Massachusetts 67 $ 1,027,000 $ 15,328 $ 90,000
St. Joseph, Michigan 67 $ 2,176,000 $ 32,477 $ 45,000
Columbia, New York 67 $ 7,936,000 $ 118,447 $ 76,000
Dauphin, Pennsylvania 67 $ 1,278,000 $ 19,074 $ 83,000
Jefferson, Alabama 66 $ 1,045,000 $ 15,833 $ 70,000
Kent, Delaware 66 $ 2,429,000 $ 36,803 $ 98,000
Bannock, Idaho 66 $ 3,092,000 $ 46,848 $ 54,000
Warren, New York 66 $ 5,955,000 $ 90,227 $ 74,000
Fairfield, Ohio 66 $ 2,118,000 $ 32,090 $ 76,000
Chittenden, Vermont 66 $ 7,109,000 $ 107,712 $ 83,000
Solano, California 65 $ 2,596,000 $ 39,938 $ 131,000
Douglas, Nebraska 65 $ 932,000 $ 14,338 $ 68,000
Washington, New York 65 $ 2,271,000 $ 34,938 $ 52,000
Merced, California 64 $ 2,575,000 $ 40,234 $ 129,000
Polk, Iowa 64 $ 1,385,000 $ 21,640 $ 71,000
Forsyth, North Carolina 64 $ 1,325,000 $ 20,703 $ 83,000
Defiance, Ohio 64 $ 2,117,000 $ 33,078 $ 63,000
Sandusky, Ohio 64 $ 2,684,000 $ 41,937 $ 51,000
Erie, Pennsylvania 64 $ 1,610,000 $ 25,156 $ 70,000
Washington, Wisconsin 64 $ 1,469,000 $ 22,953 $ 94,000
Lake, Indiana 63 $ 1,300,000 $ 20,634 $ 72,000
Beaver, Pennsylvania 63 $ 1,024,000 $ 16,253 $ 55,000
Prince William, Virginia 63 $ 1,918,000 $ 30,444 $ 124,000
Cochise, Arizona 62 $ 1,822,000 $ 29,387 $ 89,000
Bristol, Massachusetts 62 $ 1,021,000 $ 16,467 $ 87,000
Mercer, New Jersey 62 $ 1,998,000 $ 32,225 $ 128,000
Fulton, Ohio 62 $ 2,091,000 $ 33,725 $ 62,000
Lubbock, Texas 62 $ 698,000 $ 11,258 $ 48,000
Benton, Washington 62 $ 4,183,000 $ 67,467 $ 75,000
St. Clair, Illinois 61 $ 1,349,000 $ 22,114 $ 87,000
Howard, Indiana 61 $ 3,160,000 $ 51,803 $ 60,000
Campbell, Kentucky 61 $ 1,982,000 $ 32,491 $ 52,000
Eaton, Michigan 60 $ 970,000 $ 16,166 $ 61,000
Cumberland, New Jersey 60 $ 1,650,000 $ 27,500 $ 84,000
Trumbull, Ohio 60 $ 2,280,000 $ 38,000 $ 59,000
Ellis, Texas 60 $ 2,119,000 $ 35,316 $ 99,000
Wyandotte, Kansas 59 $ 920,000 $ 15,593 $ 61,000
Oxford, Maine 59 $ 5,245,000 $ 88,898 $ 57,000
Ottawa, Ohio 59 $ 5,063,000 $ 85,813 $ 79,000
Hamilton, Tennessee 59 $ 891,000 $ 15,101 $ 68,000
Kaufman, Texas 59 $ 2,383,000 $ 40,389 $ 93,000
Bay, Florida 58 $ 1,792,000 $ 30,896 $ 101,000
Waldo, Maine 58 $ 5,781,000 $ 99,672 $ 67,000
Bay, Michigan 58 $ 948,000 $ 16,344 $ 46,000
Norfolk, Massachusetts 57 $ 2,482,000 $ 43,543 $ 121,000
Rockwall, Texas 57 $ 2,416,000 $ 42,385 $ 121,000
Cortland, New York 56 $ 1,905,000 $ 34,017 $ 53,000
Wayne, New York 56 $ 2,010,000 $ 35,892 $ 51,000
Santa Clara, California 55 $ 1,691,000 $ 30,745 $ 142,000
Somerset, Maine 55 $ 2,764,000 $ 50,254 $ 45,000
Sumner, Tennessee 55 $ 1,658,000 $ 30,145 $ 91,000
Kenosha, Wisconsin 55 $ 1,173,000 $ 21,327 $ 75,000
Manatee, Florida 54 $ 1,846,000 $ 34,185 $ 93,000
Westchester, New York 54 $ 2,162,000 $ 40,037 $ 138,000
Johnston, North Carolina 54 $ 1,403,000 $ 25,981 $ 98,000
Pacific, Washington 54 $ 5,349,000 $ 99,055 $ 65,000
Benton, Arkansas 53 $ 1,781,000 $ 33,603 $ 111,000
St. Johns, Florida 53 $ 2,016,000 $ 38,037 $ 127,000
Winnebago, Illinois 53 $ 942,000 $ 17,773 $ 65,000
Ontario, New York 52 $ 3,373,000 $ 64,865 $ 71,000
Schuylkill, Pennsylvania 52 $ 1,080,000 $ 20,769 $ 56,000
Kenai Peninsula, Alaska 51 $ 4,832,000 $ 94,745 $ 92,000
Henry, Georgia 51 $ 1,436,000 $ 28,156 $ 102,000
Bossier, Louisiana 51 $ 2,051,000 $ 40,215 $ 99,000
Cattaraugus, New York 51 $ 3,518,000 $ 68,980 $ 72,000
Hernando, Florida 50 $ 1,646,000 $ 32,920 $ 88,000
Madison, Illinois 50 $ 952,000 $ 19,040 $ 78,000
Boone, Kentucky 50 $ 1,828,000 $ 36,560 $ 82,000
Shiawassee, Michigan 50 $ 574,000 $ 11,480 $ 54,000
Yellowstone, Montana 50 $ 1,051,000 $ 21,020 $ 65,000
Geauga, Ohio 50 $ 8,837,000 $ 176,740 $ 121,000
Tooele, Utah 50 $ 4,834,000 $ 96,680 $ 63,000
Rock, Wisconsin 50 $ 1,081,000 $ 21,620 $ 65,000
Imperial, California 49 $ 2,342,000 $ 47,795 $ 120,000
Litchfield, Connecticut 49 $ 1,068,000 $ 21,795 $ 85,000
Paulding, Georgia 49 $ 1,318,000 $ 26,897 $ 76,000
Lackawanna, Pennsylvania 49 $ 1,150,000 $ 23,469 $ 62,000
El Dorado, California 48 $ 2,071,000 $ 43,145 $ 158,000
Marion, Florida 48 $ 1,472,000 $ 30,666 $ 71,000
Frederick, Maryland 48 $ 1,908,000 $ 39,750 $ 135,000
Hillsdale, Michigan 48 $ 2,398,000 $ 49,958 $ 64,000
Miami, Ohio 48 $ 2,438,000 $ 50,791 $ 68,000
York, South Carolina 48 $ 2,239,000 $ 46,645 $ 125,000
Chesapeake, Virginia 48 $ 1,288,000 $ 26,833 $ 102,000
Grays Harbor, Washington 48 $ 4,734,000 $ 98,625 $ 74,000
Boulder, Colorado 47 $ 5,599,000 $ 119,127 $ 93,000
Windham, Connecticut 47 $ 1,041,000 $ 22,148 $ 69,000
Jefferson, Missouri 47 $ 973,000 $ 20,702 $ 86,000
Livingston, New York 47 $ 1,857,000 $ 39,510 $ 56,000
Williamson, Tennessee 47 $ 1,211,000 $ 25,765 $ 88,000
Skagit, Washington 47 $ 7,291,000 $ 155,127 $ 101,000
Richmond, Georgia 46 $ 717,000 $ 15,586 $ 69,000
Gem, Idaho 46 $ 3,929,000 $ 85,413 $ 62,000
Caddo, Louisiana 46 $ 1,724,000 $ 37,478 $ 106,000
Schoharie, New York 46 $ 2,870,000 $ 62,391 $ 56,000
Butte, California 45 $ 1,335,000 $ 29,666 $ 70,000
Shasta, California 45 $ 1,630,000 $ 36,222 $ 90,000
McHenry, Illinois 45 $ 1,223,000 $ 27,177 $ 104,000
Starke, Indiana 45 $ 2,490,000 $ 55,333 $ 46,000
Suffolk, Massachusetts 45 $ 1,682,000 $ 37,377 $ 80,000
Dakota, Minnesota 45 $ 1,059,000 $ 23,533 $ 91,000
Durham, North Carolina 45 $ 918,000 $ 20,400 $ 89,000
Ventura, California 44 $ 2,034,000 $ 46,227 $ 139,000
Tolland, Connecticut 44 $ 1,521,000 $ 34,568 $ 98,000
Lincoln, Maine 44 $ 5,533,000 $ 125,750 $ 82,000
Cumberland, Pennsylvania 44 $ 1,352,000 $ 30,727 $ 81,000
Washington, Utah 44 $ 2,234,000 $ 50,772 $ 118,000
Washington, Pennsylvania 43 $ 1,181,000 $ 27,465 $ 68,000
Cherokee, Georgia 42 $ 1,063,000 $ 25,309 $ 110,000
Ramsey, Minnesota 42 $ 928,000 $ 22,095 $ 70,000
Greene, New York 42 $ 2,384,000 $ 56,761 $ 59,000
Cabarrus, North Carolina 42 $ 1,193,000 $ 28,404 $ 90,000
Tuscola, Michigan 41 $ 628,000 $ 15,317 $ 53,000
Charleston, South Carolina 41 $ 4,609,000 $ 112,414 $ 148,000
Cameron, Texas 41 $ 1,185,000 $ 28,902 $ 105,000
Chesterfield, Virginia 41 $ 1,059,000 $ 25,829 $ 98,000
Virginia Beach, Virginia 41 $ 1,161,000 $ 28,317 $ 122,000
Jefferson, Wisconsin 41 $ 701,000 $ 17,097 $ 69,000
Pueblo, Colorado 40 $ 1,149,000 $ 28,725 $ 75,000
Collier, Florida 40 $ 9,293,000 $ 232,325 $ 166,000
Platte, Missouri 40 $ 954,000 $ 23,850 $ 80,000
Chemung, New York 40 $ 626,000 $ 15,650 $ 47,000
Columbiana, Ohio 40 $ 2,501,000 $ 62,525 $ 55,000
Cleveland, Oklahoma 40 $ 527,000 $ 13,175 $ 71,000
Clayton, Georgia 39 $ 846,000 $ 21,692 $ 65,000
Kendall, Illinois 39 $ 1,308,000 $ 33,538 $ 105,000
Piscataquis, Maine 39 $ 2,648,000 $ 67,897 $ 57,000
Carroll, Maryland 39 $ 1,533,000 $ 39,307 $ 118,000
St. Clair, Michigan 39 $ 905,000 $ 23,205 $ 76,000
Cass, Missouri 39 $ 684,000 $ 17,538 $ 60,000
Somerset, New Jersey 39 $ 1,216,000 $ 31,179 $ 131,000
Chenango, New York 39 $ 590,000 $ 15,128 $ 54,000
Tulsa, Oklahoma 39 $ 1,267,000 $ 32,487 $ 124,000
Deschutes, Oregon 39 $ 8,551,000 $ 219,256 $ 171,000
Centre, Pennsylvania 39 $ 786,000 $ 20,153 $ 74,000
Jefferson, Texas 39 $ 1,328,000 $ 34,051 $ 104,000
Natrona, Wyoming 39 $ 1,147,000 $ 29,410 $ 65,000
Pulaski, Arkansas 38 $ 684,000 $ 18,000 $ 70,000
LaSalle, Illinois 38 $ 430,000 $ 11,315 $ 72,000
McLean, Illinois 38 $ 475,000 $ 12,500 $ 64,000
Van Buren, Michigan 38 $ 839,000 $ 22,078 $ 69,000
Anoka, Minnesota 38 $ 977,000 $ 25,710 $ 75,000
Hillsborough, New Hampshire 38 $ 992,000 $ 26,105 $ 93,000
Morris, New Jersey 38 $ 1,320,000 $ 34,736 $ 149,000
Rockland, New York 38 $ 4,162,000 $ 109,526 $ 122,000
Gaston, North Carolina 38 $ 815,000 $ 21,447 $ 83,000
Lebanon, Pennsylvania 38 $ 803,000 $ 21,131 $ 76,000
Parker, Texas 38 $ 1,531,000 $ 40,289 $ 133,000
Clallam, Washington 38 $ 4,581,000 $ 120,552 $ 75,000
Spokane, Washington 38 $ 2,237,000 $ 58,868 $ 87,000
Columbia, Georgia 37 $ 670,000 $ 18,108 $ 71,000
Walton, Georgia 37 $ 1,334,000 $ 36,054 $ 110,000
Sagadahoc, Maine 37 $ 3,797,000 $ 102,621 $ 63,000
Cass, Michigan 37 $ 2,602,000 $ 70,324 $ 109,000
St. Louis City, Missouri 37 $ 844,000 $ 22,810 $ 55,000
Davidson, North Carolina 37 $ 835,000 $ 22,567 $ 84,000
Carroll, Ohio 37 $ 2,449,000 $ 66,189 $ 55,000
Benton, Oregon 37 $ 4,996,000 $ 135,027 $ 90,000
Polk, Oregon 37 $ 3,614,000 $ 97,675 $ 88,000
Yamhill, Oregon 37 $ 4,787,000 $ 129,378 $ 90,000
Berkeley, South Carolina 37 $ 1,262,000 $ 34,108 $ 83,000
Wilson, Tennessee 37 $ 719,000 $ 19,432 $ 77,000
Cowlitz, Washington 37 $ 2,269,000 $ 61,324 $ 141,000
Middlesex, Connecticut 36 $ 918,000 $ 25,500 $ 93,000
Sandoval, New Mexico 36 $ 1,022,000 $ 28,388 $ 89,000
Buncombe, North Carolina 36 $ 619,000 $ 17,194 $ 64,000
Wayne, Ohio 36 $ 970,000 $ 26,944 $ 54,000
Grayson, Texas 36 $ 1,348,000 $ 37,444 $ 108,000
Johnson, Texas 36 $ 1,208,000 $ 33,555 $ 83,000
Lapeer, Michigan 35 $ 941,000 $ 26,885 $ 78,000
Greene, Missouri 35 $ 553,000 $ 15,800 $ 62,000
Hudson, New Jersey 35 $ 720,000 $ 20,571 $ 91,000
Blair, Pennsylvania 35 $ 577,000 $ 16,485 $ 42,000
Cambria, Pennsylvania 35 $ 613,000 $ 17,514 $ 50,000
Carbon, Pennsylvania 35 $ 905,000 $ 25,857 $ 61,000
Ozaukee, Wisconsin 35 $ 1,278,000 $ 36,514 $ 97,000
Mohave, Arizona 34 $ 1,187,000 $ 34,911 $ 84,000
Rock Island, Illinois 34 $ 446,000 $ 13,117 $ 56,000
Henry, Ohio 34 $ 707,000 $ 20,794 $ 62,000
Marion, Ohio 34 $ 541,000 $ 15,911 $ 52,000
Summit, Utah 34 $ 8,227,000 $ 241,970 $ 177,000
Madison, Alabama 33 $ 542,000 $ 16,424 $ 75,000
Sutter, California 33 $ 1,202,000 $ 36,424 $ 91,000
Twin Falls, Idaho 33 $ 2,421,000 $ 73,363 $ 60,000
Champaign, Illinois 33 $ 502,000 $ 15,212 $ 67,000
Boone, Indiana 33 $ 1,573,000 $ 47,666 $ 80,000
Marshall, Indiana 33 $ 2,936,000 $ 88,969 $ 72,000
Rockingham, New Hampshire 33 $ 3,584,000 $ 108,606 $ 548,000
Catawba, North Carolina 33 $ 1,003,000 $ 30,393 $ 100,000
Guadalupe, Texas 33 $ 1,108,000 $ 33,575 $ 93,000
Spotsylvania, Virginia 33 $ 1,020,000 $ 30,909 $ 117,000
Madera, California 32 $ 1,274,000 $ 39,812 $ 114,000
Forsyth, Georgia 32 $ 1,164,000 $ 36,375 $ 122,000
Bingham, Idaho 32 $ 3,096,000 $ 96,750 $ 58,000
Morgan, Indiana 32 $ 2,271,000 $ 70,968 $ 67,000
Barry, Michigan 32 $ 620,000 $ 19,375 $ 50,000
Nye, Nevada 32 $ 1,169,000 $ 36,531 $ 95,000
Randolph, North Carolina 32 $ 770,000 $ 24,062 $ 72,000
Allen, Ohio 32 $ 390,000 $ 12,187 $ 60,000
Brown, Ohio 32 $ 1,339,000 $ 41,843 $ 55,000
Fayette, Pennsylvania 32 $ 564,000 $ 17,625 $ 47,000
Henrico, Virginia 32 $ 679,000 $ 21,218 $ 78,000
Grant, Washington 32 $ 3,196,000 $ 99,875 $ 79,000
Indian River, Florida 31 $ 2,796,000 $ 90,193 $ 132,000
Steuben, Indiana 31 $ 1,730,000 $ 55,806 $ 49,000
Leavenworth, Kansas 31 $ 680,000 $ 21,935 $ 83,000
Daviess, Kentucky 31 $ 263,000 $ 8,483 $ 45,000
Midland, Michigan 31 $ 631,000 $ 20,354 $ 70,000
Comal, Texas 31 $ 1,388,000 $ 44,774 $ 122,000
Loudoun, Virginia 31 $ 2,003,000 $ 64,612 $ 197,000
Sheboygan, Wisconsin 31 $ 684,000 $ 22,064 $ 85,000
Walworth, Wisconsin 31 $ 784,000 $ 25,290 $ 74,000
St. Tammany, Louisiana 30 $ 1,291,000 $ 43,033 $ 132,000
Hancock, Maine 30 $ 1,975,000 $ 65,833 $ 77,000
Barnstable, Massachusetts 30 $ 2,532,000 $ 84,400 $ 137,000
Lycoming, Pennsylvania 30 $ 724,000 $ 24,133 $ 68,000
Aiken, South Carolina 30 $ 520,000 $ 17,333 $ 72,000
Rutland, Vermont 30 $ 3,927,000 $ 130,900 $ 75,000
Chelan, Washington 30 $ 4,556,000 $ 151,866 $ 102,000
Washoe, Nevada 29 $ 1,038,000 $ 35,793 $ 90,000
Salem, New Jersey 29 $ 1,051,000 $ 36,241 $ 98,000
Williams, Ohio 29 $ 428,000 $ 14,758 $ 45,000
Butler, Pennsylvania 29 $ 643,000 $ 22,172 $ 93,000
Lawrence, Pennsylvania 29 $ 600,000 $ 20,689 $ 69,000
Hays, Texas 29 $ 1,401,000 $ 48,310 $ 113,000
Stafford, Virginia 29 $ 1,225,000 $ 42,241 $ 141,000
Dodge, Wisconsin 29 $ 570,000 $ 19,655 $ 73,000
Yolo, California 28 $ 1,078,000 $ 38,500 $ 166,000
Shelby, Indiana 28 $ 1,241,000 $ 44,321 $ 45,000
Shawnee, Kansas 28 $ 432,000 $ 15,428 $ 51,000
Calvert, Maryland 28 $ 1,185,000 $ 42,321 $ 119,000
Newaygo, Michigan 28 $ 447,000 $ 15,964 $ 51,000
Kings, New York 28 $ 1,321,000 $ 47,178 $ 102,000
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Mortgage Loan Application Detail Totals for Keybank National Association in 2007

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 61,052 $1,634,453,000 $26,000 $1,340,000 $89,000 $1,794,000
Refinancing 9,433 $1,254,667,000 $133,000 $3,700,000 $94,000 $9,198,000
Home Purchase 4,625 $724,239,000 $156,000 $4,550,000 $116,000 $5,347,000

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 54,371 $2,599,390,000 $47,000 $4,250,000 $92,000 $9,198,000
Black or African American 8,439 $231,316,000 $27,000 $3,400,000 $74,000 $1,643,000
Hispanic 6,420 $236,595,000 $36,000 $3,700,000 $91,000 $1,193,000
Not Provided 3,371 $392,733,000 $116,000 $4,550,000 $112,000 $3,900,000
Asian 1,478 $99,417,000 $67,000 $1,760,000 $118,000 $1,794,000
American Indian or Alaskan Native 448 $22,942,000 $51,000 $417,000 $88,000 $1,080,000
Not applicable 328 $18,983,000 $57,000 $140,000 $0 $0
Native Hawaiian or Other Pacific Islander 255 $11,983,000 $46,000 $353,000 $104,000 $917,000

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) 74,766 $3,568,298,000 $47,000 $4,550,000 $91,000 $9,198,000
FHA-insured (Federal Housing Administration) 290 $37,495,000 $129,000 $542,000 $56,000 $512,000
VA-guaranteed (Veterans Administration) 53 $7,340,000 $138,000 $536,000 $70,000 $217,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $226,000 $226,000 $226,000 $47,000 $47,000

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 31,819 $1,079,079,000 $33,000 $2,920,000 $79,000 $9,198,000
Loan Originated 29,035 $1,776,498,000 $61,000 $4,550,000 $103,000 $7,541,000
Application Approved But Not Accepted 12,294 $501,273,000 $40,000 $3,000,000 $97,000 $1,794,000
Application Withdrawn By Applicant 1,129 $143,835,000 $127,000 $2,132,000 $95,000 $4,766,000
File Closed For Incompleteness 505 $93,691,000 $185,000 $1,695,000 $78,000 $1,140,000
Loan Purchased By The Institution 328 $18,983,000 $57,000 $140,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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 16,874 $379,678,000 $22,000 $1,200,000 $75,000 $1,738,000
Debt-To-Income Ratio 8,043 $342,005,000 $42,000 $2,625,000 $68,000 $1,120,000
Other 3,524 $137,969,000 $39,000 $1,340,000 $92,000 $1,770,000
Collateral 3,028 $180,397,000 $59,000 $2,000,000 $112,000 $9,198,000
Insufficient Cash (Downpayment, Closing Cost) 187 $20,422,000 $109,000 $850,000 $124,000 $1,690,000
Unverifiable Information 74 $10,313,000 $139,000 $2,920,000 $92,000 $447,000
Credit Application Incomplete 51 $4,840,000 $94,000 $800,000 $89,000 $625,000
Employment History 38 $3,455,000 $90,000 $248,000 $68,000 $390,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association's 2007 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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