Keybank National Association Mortgage Lending & HMDA Data, 2008

In 2008, Keybank National Association of Cleveland, OH reported 19,382 mortgage applications totaling $4.2 billion, down 74% from 2007. The average application was for $217,198, and applicants reported an average income of $99,761. 44% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (1,924), Seattle-Bellevue-Everett, WA (1,378) and Denver-Aurora, CO (927) (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 19,382
Total Mortgage Loan Application Amount $4,209,745,000
Average Mortgage Loan Application Amount $217,198
Highest Mortgage Loan Application Amount $43,500,000
Average Applicant Income $99,761
Highest Applicant Income $9,218,000

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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 1,596 $ 171,348,000 $ 107,360 $ 88,000
King, Washington 1,062 $ 366,711,000 $ 345,302 $ 138,000
Erie, New York 603 $ 59,588,000 $ 98,819 $ 75,000
Salt Lake, Utah 413 $ 86,668,000 $ 209,849 $ 111,000
Pierce, Washington 413 $ 82,365,000 $ 199,430 $ 89,000
Ada, Idaho 408 $ 75,558,000 $ 185,191 $ 114,000
Lucas, Ohio 405 $ 35,983,000 $ 88,846 $ 63,000
Franklin, Ohio 371 $ 74,659,000 $ 201,237 $ 82,000
Summit, Ohio 321 $ 40,528,000 $ 126,255 $ 98,000
Snohomish, Washington 316 $ 81,243,000 $ 257,098 $ 104,000
Hamilton, Ohio 215 $ 20,960,000 $ 97,488 $ 79,000
Denver, Colorado 208 $ 26,981,000 $ 129,716 $ 120,000
Clackamas, Oregon 205 $ 46,145,000 $ 225,097 $ 138,000
Multnomah, Oregon 203 $ 42,482,000 $ 209,270 $ 112,000
Arapahoe, Colorado 202 $ 38,710,000 $ 191,633 $ 143,000
Onondaga, New York 193 $ 17,949,000 $ 93,000 $ 90,000
Jefferson, Colorado 192 $ 28,889,000 $ 150,463 $ 106,000
Marion, Oregon 190 $ 30,521,000 $ 160,636 $ 76,000
Elkhart, Indiana 189 $ 20,650,000 $ 109,259 $ 72,000
Utah, Utah 188 $ 23,556,000 $ 125,297 $ 115,000
Aroostook, Maine 186 $ 14,547,000 $ 78,209 $ 57,000
Albany, New York 186 $ 35,824,000 $ 192,602 $ 108,000
Cumberland, Maine 182 $ 32,014,000 $ 175,901 $ 113,000
Canyon, Idaho 180 $ 24,888,000 $ 138,266 $ 66,000
Washington, Oregon 172 $ 43,298,000 $ 251,732 $ 95,000
Montgomery, Ohio 170 $ 17,580,000 $ 103,411 $ 96,000
Stark, Ohio 168 $ 18,231,000 $ 108,517 $ 95,000
Davis, Utah 168 $ 25,831,000 $ 153,755 $ 103,000
Adams, Colorado 154 $ 17,716,000 $ 115,038 $ 73,000
Niagara, New York 138 $ 13,536,000 $ 98,086 $ 68,000
Douglas, Colorado 134 $ 20,872,000 $ 155,761 $ 139,000
Thurston, Washington 134 $ 21,139,000 $ 157,753 $ 75,000
Jackson, Oregon 130 $ 26,493,000 $ 203,792 $ 109,000
Lane, Oregon 127 $ 19,326,000 $ 152,173 $ 67,000
El Paso, Colorado 125 $ 18,693,000 $ 149,544 $ 99,000
Lake, Ohio 125 $ 33,846,000 $ 270,768 $ 64,000
St. Joseph, Indiana 122 $ 10,890,000 $ 89,262 $ 65,000
Penobscot, Maine 116 $ 9,423,000 $ 81,232 $ 81,000
Kitsap, Washington 113 $ 23,027,000 $ 203,778 $ 96,000
Saratoga, New York 111 $ 18,408,000 $ 165,837 $ 116,000
Rensselaer, New York 106 $ 13,996,000 $ 132,037 $ 88,000
Schenectady, New York 103 $ 12,488,000 $ 121,242 $ 90,000
Orange, New York 99 $ 17,960,000 $ 181,414 $ 88,000
Weber, Utah 99 $ 12,538,000 $ 126,646 $ 78,000
Ulster, New York 96 $ 13,497,000 $ 140,593 $ 72,000
Anchorage, Alaska 94 $ 21,218,000 $ 225,723 $ 146,000
Larimer, Colorado 94 $ 32,222,000 $ 342,787 $ 88,000
Bonneville, Idaho 93 $ 15,933,000 $ 171,322 $ 102,000
Yakima, Washington 93 $ 10,225,000 $ 109,946 $ 45,000
Clark, Washington 92 $ 16,669,000 $ 181,184 $ 127,000
Ashtabula, Ohio 91 $ 7,552,000 $ 82,989 $ 59,000
Marion, Indiana 88 $ 8,828,000 $ 100,318 $ 105,000
Wood, Ohio 88 $ 14,986,000 $ 170,295 $ 123,000
Butler, Ohio 87 $ 11,079,000 $ 127,344 $ 82,000
Jefferson, New York 86 $ 6,199,000 $ 72,081 $ 68,000
Monroe, Michigan 85 $ 8,949,000 $ 105,282 $ 77,000
York, Maine 84 $ 15,113,000 $ 179,916 $ 122,000
Lorain, Ohio 84 $ 11,791,000 $ 140,369 $ 95,000
Hamilton, Indiana 83 $ 14,158,000 $ 170,578 $ 127,000
Linn, Oregon 83 $ 12,361,000 $ 148,927 $ 58,000
Erie, Ohio 81 $ 10,480,000 $ 129,382 $ 68,000
Chautauqua, New York 79 $ 16,879,000 $ 213,658 $ 65,000
Mahoning, Ohio 79 $ 5,382,000 $ 68,126 $ 74,000
Monroe, New York 76 $ 22,041,000 $ 290,013 $ 82,000
Richland, Ohio 75 $ 8,003,000 $ 106,706 $ 60,000
Clermont, Ohio 74 $ 7,720,000 $ 104,324 $ 67,000
Rockland, New York 73 $ 16,959,000 $ 232,315 $ 111,000
Medina, Ohio 73 $ 6,488,000 $ 88,876 $ 87,000
St. Lawrence, New York 69 $ 3,433,000 $ 49,753 $ 60,000
Madison, Indiana 68 $ 4,518,000 $ 66,441 $ 49,000
Boulder, Colorado 67 $ 11,326,000 $ 169,044 $ 113,000
Washtenaw, Michigan 67 $ 8,759,000 $ 130,731 $ 86,000
Clallam, Washington 67 $ 11,045,000 $ 164,850 $ 58,000
Bannock, Idaho 66 $ 20,219,000 $ 306,348 $ 89,000
Portage, Ohio 66 $ 18,046,000 $ 273,424 $ 74,000
Clinton, New York 63 $ 4,155,000 $ 65,952 $ 65,000
Lenawee, Michigan 60 $ 5,901,000 $ 98,350 $ 63,000
Dutchess, New York 58 $ 11,963,000 $ 206,258 $ 95,000
Benton, Washington 57 $ 9,113,000 $ 159,877 $ 67,000
Whatcom, Washington 57 $ 13,662,000 $ 239,684 $ 101,000
Maricopa, Arizona 55 $ 13,049,000 $ 237,254 $ 131,000
Twin Falls, Idaho 55 $ 8,200,000 $ 149,090 $ 73,000
Greene, Ohio 55 $ 6,778,000 $ 123,236 $ 99,000
Westchester, New York 53 $ 20,139,000 $ 379,981 $ 151,000
Lewis, Washington 52 $ 7,887,000 $ 151,673 $ 64,000
Bingham, Idaho 50 $ 6,648,000 $ 132,960 $ 66,000
Kenai Peninsula, Alaska 49 $ 10,174,000 $ 207,632 $ 120,000
Delaware, Ohio 49 $ 7,130,000 $ 145,510 $ 98,000
Grant, Washington 49 $ 15,771,000 $ 321,857 $ 69,000
Kennebec, Maine 48 $ 5,493,000 $ 114,437 $ 67,000
Oswego, New York 48 $ 2,479,000 $ 51,645 $ 83,000
Clark, Nevada 47 $ 8,731,000 $ 185,765 $ 160,000
Oneida, New York 47 $ 3,081,000 $ 65,553 $ 104,000
Chittenden, Vermont 47 $ 7,960,000 $ 169,361 $ 87,000
Payette, Idaho 46 $ 5,788,000 $ 125,826 $ 59,000
Geauga, Ohio 46 $ 8,506,000 $ 184,913 $ 166,000
Tooele, Utah 46 $ 8,016,000 $ 174,260 $ 85,000
Wayne, Michigan 45 $ 3,378,000 $ 75,066 $ 76,000
Huron, Ohio 45 $ 3,215,000 $ 71,444 $ 57,000
Fairbanks North Star, Alaska 44 $ 7,368,000 $ 167,454 $ 108,000
Kosciusko, Indiana 44 $ 5,668,000 $ 128,818 $ 82,000
Oakland, Michigan 44 $ 11,391,000 $ 258,886 $ 98,000
Josephine, Oregon 44 $ 7,968,000 $ 181,090 $ 60,000
Gem, Idaho 43 $ 5,996,000 $ 139,441 $ 66,000
Franklin, New York 43 $ 2,294,000 $ 53,348 $ 57,000
Mason, Washington 43 $ 7,857,000 $ 182,720 $ 74,000
Knox, Maine 42 $ 6,087,000 $ 144,928 $ 90,000
Oxford, Maine 42 $ 4,518,000 $ 107,571 $ 116,000
St. Joseph, Michigan 42 $ 3,129,000 $ 74,500 $ 63,000
Matanuska-Susitna, Alaska 41 $ 8,026,000 $ 195,756 $ 91,000
Weld, Colorado 41 $ 5,392,000 $ 131,512 $ 106,000
Cayuga, New York 41 $ 3,139,000 $ 76,560 $ 63,000
Warren, Ohio 41 $ 7,712,000 $ 188,097 $ 137,000
Rutland, Vermont 41 $ 5,641,000 $ 137,585 $ 60,000
Columbia, New York 40 $ 6,258,000 $ 156,450 $ 74,000
Clark, Ohio 40 $ 2,764,000 $ 69,100 $ 63,000
Otsego, New York 39 $ 3,870,000 $ 99,230 $ 83,000
Starke, Indiana 38 $ 2,601,000 $ 68,447 $ 41,000
Androscoggin, Maine 38 $ 3,825,000 $ 100,657 $ 65,000
Montgomery, New York 37 $ 3,907,000 $ 105,594 $ 68,000
Grays Harbor, Washington 37 $ 6,594,000 $ 178,216 $ 70,000
Waldo, Maine 35 $ 3,635,000 $ 103,857 $ 57,000
Yamhill, Oregon 35 $ 8,418,000 $ 240,514 $ 88,000
Howard, Indiana 34 $ 3,233,000 $ 95,088 $ 64,000
Fremont, Idaho 33 $ 4,755,000 $ 144,090 $ 78,000
Somerset, Maine 33 $ 2,162,000 $ 65,515 $ 59,000
Sullivan, New York 33 $ 5,139,000 $ 155,727 $ 67,000
Ottawa, Ohio 33 $ 3,766,000 $ 114,121 $ 107,000
Sandusky, Ohio 32 $ 2,963,000 $ 92,593 $ 50,000
Johnson, Indiana 31 $ 2,449,000 $ 79,000 $ 64,000
Summit, Utah 31 $ 11,329,000 $ 365,451 $ 296,000
Polk, Oregon 30 $ 4,272,000 $ 142,400 $ 117,000
Cattaraugus, New York 29 $ 3,070,000 $ 105,862 $ 75,000
Lewis, New York 29 $ 1,211,000 $ 41,758 $ 44,000
Riverside, California 28 $ 10,267,000 $ 366,678 $ 329,000
Genesee, New York 28 $ 2,146,000 $ 76,642 $ 50,000
Greene, New York 28 $ 3,804,000 $ 135,857 $ 78,000
Box Elder, Utah 28 $ 2,786,000 $ 99,500 $ 59,000
Skagit, Washington 28 $ 4,587,000 $ 163,821 $ 90,000
Deschutes, Oregon 27 $ 5,582,000 $ 206,740 $ 142,000
Lincoln, Maine 26 $ 4,379,000 $ 168,423 $ 91,000
Fulton, New York 26 $ 3,044,000 $ 117,076 $ 103,000
Licking, Ohio 26 $ 4,121,000 $ 158,500 $ 77,000
Boone, Indiana 25 $ 2,924,000 $ 116,960 $ 210,000
Wayne, New York 25 $ 2,354,000 $ 94,160 $ 71,000
Island, Washington 25 $ 6,420,000 $ 256,800 $ 205,000
San Bernardino, California 24 $ 23,310,000 $ 971,250 $ 118,000
Madison, New York 24 $ 1,637,000 $ 68,208 $ 74,000
Carroll, Ohio 24 $ 2,653,000 $ 110,541 $ 76,000
Trumbull, Ohio 24 $ 1,539,000 $ 64,125 $ 62,000
Lee, Florida 23 $ 6,797,000 $ 295,521 $ 258,000
Cache, Utah 23 $ 3,922,000 $ 170,521 $ 80,000
Chelan, Washington 23 $ 6,187,000 $ 269,000 $ 179,000
Warren, New York 22 $ 3,226,000 $ 146,636 $ 71,000
Hancock, Maine 21 $ 3,200,000 $ 152,380 $ 77,000
Fairfield, Ohio 21 $ 3,315,000 $ 157,857 $ 69,000
Addison, Vermont 21 $ 3,318,000 $ 158,000 $ 70,000
San Juan, Washington 21 $ 5,758,000 $ 274,190 $ 97,000
Columbiana, Ohio 20 $ 2,151,000 $ 107,550 $ 70,000
Seneca, Ohio 20 $ 1,117,000 $ 55,850 $ 38,000
Douglas, Washington 20 $ 3,370,000 $ 168,500 $ 126,000
Pacific, Washington 20 $ 2,161,000 $ 108,050 $ 58,000
Morgan, Colorado 19 $ 2,657,000 $ 139,842 $ 57,000
Jefferson, Idaho 19 $ 2,609,000 $ 137,315 $ 65,000
Madison, Idaho 19 $ 3,166,000 $ 166,631 $ 74,000
Minidoka, Idaho 19 $ 2,094,000 $ 110,210 $ 81,000
Cook, Illinois 19 $ 3,148,000 $ 165,684 $ 195,000
Morgan, Indiana 19 $ 2,013,000 $ 105,947 $ 65,000
Shelby, Indiana 19 $ 711,000 $ 37,421 $ 50,000
Steuben, Indiana 19 $ 2,556,000 $ 134,526 $ 76,000
Piscataquis, Maine 19 $ 1,316,000 $ 69,263 $ 46,000
Hancock, Ohio 19 $ 1,669,000 $ 87,842 $ 47,000
Benton, Oregon 19 $ 3,896,000 $ 205,052 $ 101,000
Stevens, Washington 19 $ 2,163,000 $ 113,842 $ 71,000
Juneau, Alaska 18 $ 2,495,000 $ 138,611 $ 72,000
Sagadahoc, Maine 18 $ 2,619,000 $ 145,500 $ 99,000
Cortland, New York 18 $ 1,121,000 $ 62,277 $ 67,000
Cass, Michigan 17 $ 1,966,000 $ 115,647 $ 63,000
Defiance, Ohio 17 $ 1,337,000 $ 78,647 $ 64,000
Broomfield, Colorado 16 $ 2,844,000 $ 177,750 $ 124,000
Blaine, Idaho 16 $ 6,209,000 $ 388,062 $ 214,000
Washington, New York 16 $ 1,531,000 $ 95,687 $ 100,000
Swain, North Carolina 16 $ 1,751,000 $ 109,437 $ 45,000
Harris, Texas 16 $ 20,845,000 $ 1,302,812 $ 115,000
Washington, Utah 16 $ 2,908,000 $ 181,750 $ 205,000
Cowlitz, Washington 16 $ 2,274,000 $ 142,125 $ 150,000
Pinal, Arizona 15 $ 753,000 $ 50,200 $ 90,000
Eagle, Colorado 15 $ 11,655,000 $ 777,000 $ 446,000
Summit, Colorado 15 $ 5,473,000 $ 364,866 $ 211,000
Valley, Idaho 15 $ 5,846,000 $ 389,733 $ 190,000
Livingston, Michigan 15 $ 1,795,000 $ 119,666 $ 226,000
Macomb, Michigan 15 $ 799,000 $ 53,266 $ 83,000
Nassau, New York 15 $ 18,776,000 $ 1,251,733 $ 129,000
Lincoln, Washington 15 $ 1,551,000 $ 103,400 $ 56,000
Collier, Florida 14 $ 8,218,000 $ 587,000 $ 479,000
Sarasota, Florida 14 $ 10,057,000 $ 718,357 $ 235,000
Washington, Idaho 14 $ 2,310,000 $ 165,000 $ 72,000
Hancock, Indiana 14 $ 1,077,000 $ 76,928 $ 69,000
Livingston, New York 14 $ 838,000 $ 59,857 $ 101,000
Queens, New York 14 $ 1,000,000 $ 71,428 $ 132,000
Schoharie, New York 14 $ 1,446,000 $ 103,285 $ 69,000
Wasatch, Utah 14 $ 6,444,000 $ 460,285 $ 286,000
Franklin, Vermont 14 $ 1,359,000 $ 97,071 $ 59,000
Franklin, Washington 14 $ 1,719,000 $ 122,785 $ 83,000
Broward, Florida 13 $ 17,614,000 $ 1,354,923 $ 143,000
Ontario, New York 13 $ 1,180,000 $ 90,769 $ 113,000
Coos, Oregon 13 $ 1,562,000 $ 120,153 $ 64,000
Spokane, Washington 13 $ 2,369,000 $ 182,230 $ 142,000
Kodiak Island, Alaska 12 $ 2,397,000 $ 199,750 $ 74,000
Los Angeles, California 12 $ 52,726,000 $ 4,393,833 $ 147,000
San Diego, California 12 $ 14,819,000 $ 1,234,916 $ 303,000
Elbert, Colorado 12 $ 3,053,000 $ 254,416 $ 107,000
Palm Beach, Florida 12 $ 1,769,000 $ 147,416 $ 156,000
Boise, Idaho 12 $ 1,424,000 $ 118,666 $ 120,000
Teton, Idaho 12 $ 2,325,000 $ 193,750 $ 68,000
Dearborn, Indiana 12 $ 1,781,000 $ 148,416 $ 79,000
Campbell, Kentucky 12 $ 1,066,000 $ 88,833 $ 74,000
Bronx, New York 12 $ 9,929,000 $ 827,416 $ 113,000
Essex, New York 12 $ 1,942,000 $ 161,833 $ 81,000
Columbia, Oregon 12 $ 2,699,000 $ 224,916 $ 51,000
Douglas, Oregon 12 $ 2,364,000 $ 197,000 $ 72,000
Malheur, Oregon 12 $ 2,303,000 $ 191,916 $ 124,000
Sevier, Tennessee 12 $ 3,531,000 $ 294,250 $ 1,063,000
Ketchikan Gateway, Alaska 11 $ 1,374,000 $ 124,909 $ 64,000
Contra Costa, California 11 $ 1,895,000 $ 172,272 $ 218,000
Power, Idaho 11 $ 1,346,000 $ 122,363 $ 69,000
Putnam, New York 11 $ 3,130,000 $ 284,545 $ 166,000
Collin, Texas 11 $ 12,479,000 $ 1,134,454 $ 124,000
Jefferson, Washington 11 $ 2,343,000 $ 213,000 $ 82,000
Aleutians West, Alaska 10 $ 1,729,000 $ 172,900 $ 114,000
Orange, California 10 $ 29,407,000 $ 2,940,700 $ 451,000
Kenton, Kentucky 10 $ 1,165,000 $ 116,500 $ 88,000
Hillsdale, Michigan 10 $ 629,000 $ 62,900 $ 52,000
Kent, Michigan 10 $ 794,000 $ 79,400 $ 104,000
Suffolk, New York 10 $ 1,281,000 $ 128,100 $ 140,000
Miami, Ohio 10 $ 1,473,000 $ 147,300 $ 103,000
Hood River, Oregon 10 $ 1,445,000 $ 144,500 $ 47,000
Tillamook, Oregon 10 $ 2,184,000 $ 218,400 $ 96,000
Umatilla, Oregon 10 $ 3,712,000 $ 371,200 $ 60,000
Pima, Arizona 9 $ 11,457,000 $ 1,273,000 $ 177,000
Pueblo, Colorado 9 $ 1,151,000 $ 127,888 $ 81,000
Miami-Dade, Florida 9 $ 865,000 $ 96,111 $ 178,000
Pinellas, Florida 9 $ 1,498,000 $ 166,444 $ 219,000
Kootenai, Idaho 9 $ 15,839,000 $ 1,759,888 $ 165,000
Franklin, Maine 9 $ 781,000 $ 86,777 $ 65,000
Genesee, Michigan 9 $ 2,653,000 $ 294,777 $ 86,000
Delaware, New York 9 $ 686,000 $ 76,222 $ 85,000
New York, New York 9 $ 5,690,000 $ 632,222 $ 1,477,000
Mecklenburg, North Carolina 9 $ 25,758,000 $ 2,862,000 $ 79,000
Carbon, Utah 9 $ 794,000 $ 88,222 $ 65,000
Park, Colorado 8 $ 940,000 $ 117,500 $ 156,000
Fairfield, Connecticut 8 $ 2,517,000 $ 314,625 $ 107,000
Hillsborough, Florida 8 $ 10,796,000 $ 1,349,500 $ 117,000
Kings, New York 8 $ 2,019,000 $ 252,375 $ 229,000
Ashland, Ohio 8 $ 964,000 $ 120,500 $ 70,000
Henry, Ohio 8 $ 883,000 $ 110,375 $ 56,000
Morrow, Ohio 8 $ 1,063,000 $ 132,875 $ 50,000
Beaufort, South Carolina 8 $ 5,560,000 $ 695,000 $ 604,000
Windham, Vermont 8 $ 997,000 $ 124,625 $ 139,000
San Joaquin, California 7 $ 829,000 $ 118,428 $ 118,000
Mesa, Colorado 7 $ 887,000 $ 126,714 $ 73,000
Hartford, Connecticut 7 $ 691,000 $ 98,714 $ 97,000
Pasco, Florida 7 $ 929,000 $ 132,714 $ 142,000
Cassia, Idaho 7 $ 557,000 $ 79,571 $ 51,000
LaGrange, Indiana 7 $ 1,445,000 $ 206,428 $ 73,000
Boone, Kentucky 7 $ 1,209,000 $ 172,714 $ 125,000
Washington, Maine 7 $ 517,000 $ 73,857 $ 61,000
Berrien, Michigan 7 $ 490,000 $ 70,000 $ 48,000
Herkimer, New York 7 $ 331,000 $ 47,285 $ 46,000
Steuben, New York 7 $ 416,000 $ 59,428 $ 73,000
Brown, Ohio 7 $ 458,000 $ 65,428 $ 33,000
Fulton, Ohio 7 $ 642,000 $ 91,714 $ 51,000
Pickaway, Ohio 7 $ 1,123,000 $ 160,428 $ 60,000
Clatsop, Oregon 7 $ 1,585,000 $ 226,428 $ 480,000
Montgomery, Texas 7 $ 412,000 $ 58,857 $ 147,000
Kern, California 6 $ 11,327,000 $ 1,887,833 $ 90,000
Sacramento, California 6 $ 850,000 $ 141,666 $ 80,000
Grand, Colorado 6 $ 531,000 $ 88,500 $ 191,000
St. Lucie, Florida 6 $ 562,000 $ 93,666 $ 185,000
Volusia, Florida 6 $ 719,000 $ 119,833 $ 158,000
Marshall, Indiana 6 $ 454,000 $ 75,666 $ 96,000
Porter, Indiana 6 $ 1,829,000 $ 304,833 $ 659,000
Fayette, Kentucky 6 $ 7,823,000 $ 1,303,833 $ 206,000
Baltimore, Maryland 6 $ 192,000 $ 32,000 $ 107,000
Middlesex, Massachusetts 6 $ 54,923,000 $ 9,153,833 $ 20,000
Suffolk, Massachusetts 6 $ 13,844,000 $ 2,307,333 $ 134,000
Calhoun, Michigan 6 $ 4,468,000 $ 744,666 $ 164,000
Jackson, Michigan 6 $ 423,000 $ 70,500 $ 57,000
St. Louis, Missouri 6 $ 260,000 $ 43,333 $ 54,000
Middlesex, New Jersey 6 $ 801,000 $ 133,500 $ 213,000
Allegany, New York 6 $ 229,000 $ 38,166 $ 51,000
Madison, Ohio 6 $ 416,000 $ 69,333 $ 38,000
Union, Ohio 6 $ 4,638,000 $ 773,000 $ 59,000
Klamath, Oregon 6 $ 1,309,000 $ 218,166 $ 71,000
Montgomery, Pennsylvania 6 $ 33,170,000 $ 5,528,333 $ 51,000
Denton, Texas 6 $ 266,000 $ 44,333 $ 129,000
Uintah, Utah 6 $ 1,285,000 $ 214,166 $ 160,000
Fairfax, Virginia 6 $ 10,442,000 $ 1,740,333 $ 327,000
Skamania, Washington 6 $ 1,465,000 $ 244,166 $ 59,000
Alameda, California 5 $ 696,000 $ 139,200 $ 112,000
Stanislaus, California 5 $ 422,000 $ 84,400 $ 97,000
Logan, Colorado 5 $ 397,000 $ 79,400 $ 63,000
Routt, Colorado 5 $ 2,468,000 $ 493,600 $ 440,000
Brevard, Florida 5 $ 417,000 $ 83,400 $ 70,000
Orange, Florida 5 $ 527,000 $ 105,400 $ 148,000
Polk, Florida 5 $ 9,388,000 $ 1,877,600 $ 159,000
Fulton, Georgia 5 $ 2,591,000 $ 518,200 $ 211,000
Monroe, Indiana 5 $ 776,000 $ 155,200 $ 89,000
Pulaski, Indiana 5 $ 387,000 $ 77,400 $ 40,000
Baltimore City, Maryland 5 $ 468,000 $ 93,600 $ 181,000
Elko, Nevada 5 $ 498,000 $ 99,600 $ 52,000
Bernalillo, New Mexico 5 $ 432,000 $ 86,400 $ 88,000
Hamilton, New York 5 $ 589,000 $ 117,800 $ 64,000
Wyoming, New York 5 $ 591,000 $ 118,200 $ 41,000
Wake, North Carolina 5 $ 35,378,000 $ 7,075,600 $ 373,000
Allegheny, Pennsylvania 5 $ 797,000 $ 159,400 $ 106,000
Dallas, Texas 5 $ 35,945,000 $ 7,189,000 $ 106,000
Tarrant, Texas 5 $ 144,000 $ 28,800 $ 132,000
Williamson, Texas 5 $ 292,000 $ 58,400 $ 160,000
Washington, Vermont 5 $ 855,000 $ 171,000 $ 53,000
Okanogan, Washington 5 $ 881,000 $ 176,200 $ 76,000
Milwaukee, Wisconsin 5 $ 341,000 $ 68,200 $ 211,000
Marin, California 4 $ 3,577,000 $ 894,250 $ 217,000
Santa Clara, California 4 $ 5,159,000 $ 1,289,750 $ 421,000
Tulare, California 4 $ 168,000 $ 42,000 $ 114,000
Las Animas, Colorado 4 $ 585,000 $ 146,250 $ 81,000
New Haven, Connecticut 4 $ 1,144,000 $ 286,000 $ 158,000
Charlotte, Florida 4 $ 789,000 $ 197,250 $ 67,000
Monroe, Florida 4 $ 1,694,000 $ 423,500 $ 252,000
Okaloosa, Florida 4 $ 678,000 $ 169,500 $ 190,000
Adams, Idaho 4 $ 646,000 $ 161,500 $ 48,000
Gooding, Idaho 4 $ 274,000 $ 68,500 $ 92,000
Allen, Indiana 4 $ 229,000 $ 57,250 $ 105,000
Hendricks, Indiana 4 $ 572,000 $ 143,000 $ 81,000
Prince George's, Maryland 4 $ 109,000 $ 27,250 $ 170,000
Essex, Massachusetts 4 $ 4,073,000 $ 1,018,250 $ 207,000
Ingham, Michigan 4 $ 112,000 $ 28,000 $ 48,000
Ottawa, Michigan 4 $ 234,000 $ 58,500 $ 75,000
Shiawassee, Michigan 4 $ 1,439,000 $ 359,750 $ 44,000
Strafford, New Hampshire 4 $ 12,005,000 $ 3,001,250 $ 71,000
Cape May, New Jersey 4 $ 1,059,000 $ 264,750 $ 105,000
Union, New Jersey 4 $ 20,284,000 $ 5,071,000 $ 72,000
Ross, Ohio 4 $ 312,000 $ 78,000 $ 134,000
Tuscarawas, Ohio 4 $ 413,000 $ 103,250 $ 45,000
Wayne, Ohio 4 $ 650,000 $ 162,500 $ 76,000
Oklahoma, Oklahoma 4 $ 623,000 $ 155,750 $ 87,000
Lincoln, Oregon 4 $ 924,000 $ 231,000 $ 215,000
Delaware, Pennsylvania 4 $ 13,828,000 $ 3,457,000 $ 164,000
Erie, Pennsylvania 4 $ 408,000 $ 102,000 $ 56,000
Warren, Pennsylvania 4 $ 392,000 $ 98,000 $ 92,000
Bell, Texas 4 $ 181,000 $ 45,250 $ 127,000
Richmond City, Virginia 4 $ 4,198,000 $ 1,049,500 $ 202,000
Kittitas, Washington 4 $ 2,371,000 $ 592,750 $ 795,000
Gila, Arizona 3 $ 75,000 $ 25,000 $ 57,000
Fresno, California 3 $ 5,009,000 $ 1,669,666 $ 114,000
Kings, California 3 $ 125,000 $ 41,666 $ 132,000
Placer, California 3 $ 137,000 $ 45,666 $ 145,000
Solano, California 3 $ 116,000 $ 38,666 $ 104,000
Gunnison, Colorado 3 $ 3,702,000 $ 1,234,000 $ 537,000
Citrus, Florida 3 $ 305,000 $ 101,666 $ 74,000
Marion, Florida 3 $ 148,000 $ 49,333 $ 92,000
Martin, Florida 3 $ 542,000 $ 180,666 $ 731,000
Honolulu, Hawaii 3 $ 2,977,000 $ 992,333 $ 2,716,000
Franklin, Idaho 3 $ 392,000 $ 130,666 $ 47,000
Lincoln, Idaho 3 $ 230,000 $ 76,666 $ 72,000
Owyhee, Idaho 3 $ 457,000 $ 152,333 $ 44,000
DuPage, Illinois 3 $ 2,570,000 $ 856,666 $ 378,000
Cass, Indiana 3 $ 218,000 $ 72,666 $ 42,000
Fulton, Indiana 3 $ 328,000 $ 109,333 $ 48,000
Miami, Indiana 3 $ 40,000 $ 13,333 $ 92,000
Noble, Indiana 3 $ 317,000 $ 105,666 $ 39,000
Rush, Indiana 3 $ 104,000 $ 34,666 $ 48,000
Tipton, Indiana 3 $ 225,000 $ 75,000 $ 42,000
Johnson, Kansas 3 $ 193,000 $ 64,333 $ 93,000
Sedgwick, Kansas 3 $ 6,946,000 $ 2,315,333 $ 39,000
Pendleton, Kentucky 3 $ 643,000 $ 214,333 $ 131,000
Hampden, Massachusetts 3 $ 1,332,000 $ 444,000 $ 73,000
Worcester, Massachusetts 3 $ 8,562,000 $ 2,854,000 $ 80,000
Midland, Michigan 3 $ 4,628,000 $ 1,542,666 $ 26,000
Jackson, Missouri 3 $ 186,000 $ 62,000 $ 47,000
Bergen, New Jersey 3 $ 24,764,000 $ 8,254,666 $ 3,048,000
Burlington, New Jersey 3 $ 47,000 $ 15,666 $ 80,000
Hudson, New Jersey 3 $ 40,020,000 $ 13,340,000 $ 48,000
Monmouth, New Jersey 3 $ 820,000 $ 273,333 $ 177,000
Passaic, New Jersey 3 $ 14,852,000 $ 4,950,666 $ 24,000
Dona Ana, New Mexico 3 $ 1,510,000 $ 503,333 $ 43,000
Seneca, New York 3 $ 314,000 $ 104,666 $ 47,000
Jackson, North Carolina 3 $ 396,000 $ 132,000 $ 70,000
Adams, Ohio 3 $ 127,000 $ 42,333 $ 56,000
Allen, Ohio 3 $ 245,000 $ 81,666 $ 83,000
Champaign, Ohio 3 $ 156,000 $ 52,000 $ 46,000
Crawford, Ohio 3 $ 156,000 $ 52,000 $ 66,000
Fayette, Ohio 3 $ 465,000 $ 155,000 $ 291,000
Logan, Ohio 3 $ 684,000 $ 228,000 $ 216,000
Marion, Ohio 3 $ 51,000 $ 17,000 $ 61,000
Paulding, Ohio 3 $ 242,000 $ 80,666 $ 81,000
Putnam, Ohio 3 $ 195,000 $ 65,000 $ 98,000
Curry, Oregon 3 $ 404,000 $ 134,666 $ 121,000
Harney, Oregon 3 $ 484,000 $ 161,333 $ 74,000
Wasco, Oregon 3 $ 258,000 $ 86,000 $ 56,000
Berks, Pennsylvania 3 $ 51,000 $ 17,000 $ 60,000
Bucks, Pennsylvania 3 $ 473,000 $ 157,666 $ 184,000
Chester, Pennsylvania 3 $ 104,000 $ 34,666 $ 105,000
McKean, Pennsylvania 3 $ 187,000 $ 62,333 $ 41,000
Monroe, Pennsylvania 3 $ 50,000 $ 16,666 $ 65,000
York, Pennsylvania 3 $ 63,000 $ 21,000 $ 102,000
Pickens, South Carolina 3 $ 2,390,000 $ 796,666 $ 0
Richland, South Carolina 3 $ 184,000 $ 61,333 $ 278,000
Davidson, Tennessee 3 $ 128,000 $ 42,666 $ 91,000
Bexar, Texas 3 $ 144,000 $ 48,000 $ 153,000
Brazos, Texas 3 $ 128,000 $ 42,666 $ 138,000
Galveston, Texas 3 $ 149,000 $ 49,666 $ 156,000
Nueces, Texas 3 $ 116,000 $ 38,666 $ 130,000
Emery, Utah 3 $ 89,000 $ 29,666 $ 46,000
Iron, Utah 3 $ 156,000 $ 52,000 $ 88,000
Juab, Utah 3 $ 256,000 $ 85,333 $ 45,000
Morgan, Utah 3 $ 537,000 $ 179,000 $ 116,000
Sanpete, Utah 3 $ 221,000 $ 73,666 $ 90,000
Grand Isle, Vermont 3 $ 792,000 $ 264,000 $ 86,000
Orange, Vermont 3 $ 464,000 $ 154,666 $ 51,000
Orleans, Vermont 3 $ 407,000 $ 135,666 $ 62,000
Wahkiakum, Washington 3 $ 579,000 $ 193,000 $ 37,000
Dane, Wisconsin 3 $ 226,000 $ 75,333 $ 59,000
Racine, Wisconsin 3 $ 42,000 $ 14,000 $ 46,000
Northwest Arctic, Alaska 2 $ 806,000 $ 403,000 $ 261,000
Skagway-Hoonah-Angoon, Alaska 2 $ 237,000 $ 118,500 $ 44,000
Navajo, Arizona 2 $ 115,000 $ 57,500 $ 48,000
Benton, Arkansas 2 $ 243,000 $ 121,500 $ 138,000
Calaveras, California 2 $ 250,000 $ 125,000 $ 358,000
Merced, California 2 $ 83,000 $ 41,500 $ 164,000
San Mateo, California 2 $ 143,000 $ 71,500 $ 262,000
Sonoma, California 2 $ 61,000 $ 30,500 $ 93,000
Yolo, California 2 $ 70,000 $ 35,000 $ 88,000
Custer, Colorado 2 $ 327,000 $ 163,500 $ 82,000
Washington, Colorado 2 $ 226,000 $ 113,000 $ 30,000
Litchfield, Connecticut 2 $ 445,000 $ 222,500 $ 1,027,000
New London, Connecticut 2 $ 204,000 $ 102,000 $ 77,000
Kent, Delaware 2 $ 8,922,000 $ 4,461,000 $ 75,000
New Castle, Delaware 2 $ 14,058,000 $ 7,029,000 $ 89,000
Duval, Florida 2 $ 64,000 $ 32,000 $ 100,000
Hernando, Florida 2 $ 169,000 $ 84,500 $ 70,000
Lake, Florida 2 $ 507,000 $ 253,500 $ 56,000
Leon, Florida 2 $ 139,000 $ 69,500 $ 36,000
Manatee, Florida 2 $ 760,000 $ 380,000 $ 230,000
Okeechobee, Florida 2 $ 166,000 $ 83,000 $ 356,000
Osceola, Florida 2 $ 293,000 $ 146,500 $ 96,000
Santa Rosa, Florida 2 $ 80,000 $ 40,000 $ 84,000
Seminole, Florida 2 $ 396,000 $ 198,000 $ 48,000
Walton, Florida 2 $ 960,000 $ 480,000 $ 524,000
Clayton, Georgia 2 $ 8,550,000 $ 4,275,000 $ 17,000
DeKalb, Georgia 2 $ 22,138,000 $ 11,069,000 $ 29,000
Glynn, Georgia 2 $ 4,500,000 $ 2,250,000 $ 525,000
Elmore, Idaho 2 $ 156,000 $ 78,000 $ 63,000
Idaho, Idaho 2 $ 110,000 $ 55,000 $ 50,000
Jerome, Idaho 2 $ 163,000 $ 81,500 $ 4,000
Oneida, Idaho 2 $ 242,000 $ 121,000 $ 56,000
Will, Illinois 2 $ 60,000 $ 30,000 $ 68,000
Carroll, Indiana 2 $ 60,000 $ 30,000 $ 58,000
Clark, Indiana 2 $ 103,000 $ 51,500 $ 39,000
Delaware, Indiana 2 $ 29,000 $ 14,500 $ 48,000
Franklin, Indiana 2 $ 856,000 $ 428,000 $ 23,000
Lake, Indiana 2 $ 46,000 $ 23,000 $ 82,000
Tippecanoe, Indiana 2 $ 253,000 $ 126,500 $ 57,000
White, Indiana 2 $ 131,000 $ 65,500 $ 68,000
Cumberland, Kentucky 2 $ 288,000 $ 144,000 $ 173,000
Jefferson, Kentucky 2 $ 9,834,000 $ 4,917,000 $ 27,000
Metcalfe, Kentucky 2 $ 184,000 $ 92,000 $ 40,000
Anne Arundel, Maryland 2 $ 9,464,000 $ 4,732,000 $ 66,000
Carroll, Maryland 2 $ 91,000 $ 45,500 $ 164,000
Montgomery, Maryland 2 $ 14,140,000 $ 7,070,000 $ 84,000
Barnstable, Massachusetts 2 $ 866,000 $ 433,000 $ 226,000
Norfolk, Massachusetts 2 $ 12,845,000 $ 6,422,500 $ 21,000
Plymouth, Massachusetts 2 $ 30,511,000 $ 15,255,500 $ 88,000
Kalkaska, Michigan 2 $ 566,000 $ 283,000 $ 266,000
Muskegon, Michigan 2 $ 140,000 $ 70,000 $ 54,000
Saginaw, Michigan 2 $ 4,406,000 $ 2,203,000 $ 23,000
St. Clair, Michigan 2 $ 216,000 $ 108,000 $ 70,000
Ramsey, Minnesota 2 $ 151,000 $ 75,500 $ 48,000
Cass, Missouri 2 $ 47,000 $ 23,500 $ 65,000
Newton, Missouri 2 $ 703,000 $ 351,500 $ 175,000
St. Charles, Missouri 2 $ 222,000 $ 111,000 $ 56,000
Gallatin, Montana 2 $ 421,000 $ 210,500 $ 91,000
Missoula, Montana 2 $ 328,000 $ 164,000 $ 470,000
Lyon, Nevada 2 $ 299,000 $ 149,500 $ 81,000
Camden, New Jersey 2 $ 516,000 $ 258,000 $ 90,000
Gloucester, New Jersey 2 $ 3,014,000 $ 1,507,000 $ 25,000
Broome, New York 2 $ 25,000 $ 12,500 $ 319,000
Chenango, New York 2 $ 132,000 $ 66,000 $ 36,000
Orleans, New York 2 $ 194,000 $ 97,000 $ 54,000
Tompkins, New York 2 $ 202,000 $ 101,000 $ 98,000
Brunswick, North Carolina 2 $ 2,081,000 $ 1,040,500 $ 319,000
Cherokee, North Carolina 2 $ 1,420,000 $ 710,000 $ 60,000
Durham, North Carolina 2 $ 960,000 $ 480,000 $ 32,000
Forsyth, North Carolina 2 $ 238,000 $ 119,000 $ 172,000
New Hanover, North Carolina 2 $ 9,128,000 $ 4,564,000 $ 33,000
Union, North Carolina 2 $ 239,000 $ 119,500 $ 111,000
Vance, North Carolina 2 $ 452,000 $ 226,000 $ 102,000
Highland, Ohio 2 $ 236,000 $ 118,000 $ 34,000
Perry, Ohio 2 $ 187,000 $ 93,500 $ 93,000
Preble, Ohio 2 $ 255,000 $ 127,500 $ 189,000
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Mortgage Loan Application Detail Totals for Keybank National Association in 2008

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 9,887 $3,184,774,000 $322,000 $43,500,000 $94,000 $9,068,000
Home Purchase 5,567 $900,261,000 $161,000 $4,000,000 $119,000 $9,218,000
Home Improvement 3,928 $124,710,000 $31,000 $738,000 $87,000 $1,860,000

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 12,837 $1,840,820,000 $143,000 $6,220,000 $103,000 $9,218,000
Not Provided 3,667 $629,534,000 $171,000 $3,500,000 $110,000 $6,709,000
Black or African American 1,083 $90,843,000 $83,000 $924,000 $62,000 $1,824,000
Hispanic 961 $117,603,000 $122,000 $1,200,000 $70,000 $882,000
Asian 494 $91,213,000 $184,000 $2,580,000 $112,000 $1,661,000
American Indian or Alaskan Native 170 $20,955,000 $123,000 $550,000 $77,000 $852,000
Not applicable 141 $1,415,259,000 $10,037,000 $43,500,000 $0 $0
Native Hawaiian or Other Pacific Islander 29 $3,518,000 $121,000 $598,000 $134,000 $1,400,000

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) 16,138 $3,652,389,000 $226,000 $43,500,000 $106,000 $9,218,000
FHA-insured (Federal Housing Administration) 3,075 $524,675,000 $170,000 $10,298,000 $64,000 $1,824,000
VA-guaranteed (Veterans Administration) 131 $24,560,000 $187,000 $430,000 $63,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $8,121,000 $213,000 $1,600,000 $185,000 $4,021,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 8,551 $2,395,686,000 $280,000 $43,500,000 $107,000 $9,218,000
Application Denied By Financial Institution 5,701 $780,409,000 $136,000 $35,000,000 $88,000 $3,024,000
Application Approved But Not Accepted 2,674 $541,260,000 $202,000 $30,500,000 $101,000 $2,908,000
File Closed For Incompleteness 1,712 $351,555,000 $205,000 $2,815,000 $91,000 $3,000,000
Application Withdrawn By Applicant 744 $140,835,000 $189,000 $1,500,000 $111,000 $1,742,000
Loan Purchased By The Institution 0 $0 $0 $0 $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 1,702 $115,291,000 $67,000 $1,040,000 $80,000 $3,024,000
Debt-To-Income Ratio 1,700 $256,009,000 $150,000 $2,535,000 $72,000 $1,721,000
Collateral 1,254 $186,769,000 $148,000 $6,000,000 $95,000 $2,166,000
Other 864 $119,497,000 $138,000 $35,000,000 $121,000 $2,251,000
Insufficient Cash (Downpayment, Closing Cost) 64 $81,362,000 $1,271,000 $26,000,000 $92,000 $401,000
Credit Application Incomplete 54 $10,740,000 $198,000 $1,000,000 $127,000 $867,000
Unverifiable Information 52 $9,282,000 $178,000 $775,000 $125,000 $710,000
Employment History 11 $1,459,000 $132,000 $225,000 $88,000 $216,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association's 2008 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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