Keybank National Association Mortgage Lending & HMDA Data, 2003
In 2003, Keybank National Association of Cleveland, OH reported 27,576 mortgage applications totaling $2.3 billion. The average application was for $82,151, and applicants reported an average income of $76,953. 57% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Cleveland-Lorain-Elyria, OH (3,268), Buffalo-Niagara Falls, NY (1,501) and Syracuse, NY (1,092) (applications in parentheses).
| Mortgage Company & Address | Keybank National Association 100 Public Square Ste 600 Oh-01-10-06006 Cleveland, OH 44113 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 27,576 |
| Total Mortgage Loan Application Amount | $2,265,406,000 |
| Average Mortgage Loan Application Amount | $82,151 |
| Highest Mortgage Loan Application Amount | $6,275,000 |
| Average Applicant Income | $76,953 |
| Highest Applicant Income | $6,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland-Lorain-Elyria, OH | 3,268 | $ 260,033,000 | $ 79,569 | $ 76,000 |
| Buffalo-Niagara Falls, NY | 1,501 | $ 85,933,000 | $ 57,250 | $ 52,000 |
| Syracuse, NY | 1,092 | $ 55,974,000 | $ 51,258 | $ 66,000 |
| Indianapolis, IN | 1,014 | $ 58,268,000 | $ 57,463 | $ 68,000 |
| Albany-Schenectady-Troy, NY | 921 | $ 76,669,000 | $ 83,245 | $ 76,000 |
| Seattle-Bellevue-Everett, WA | 914 | $ 140,087,000 | $ 153,268 | $ 97,000 |
| Toledo, OH | 902 | $ 70,793,000 | $ 78,484 | $ 71,000 |
| Dayton-Springfield, OH | 693 | $ 53,741,000 | $ 77,548 | $ 76,000 |
| Columbus, OH | 597 | $ 64,070,000 | $ 107,319 | $ 98,000 |
| Denver, CO | 592 | $ 57,725,000 | $ 97,508 | $ 98,000 |
| Tacoma, WA | 568 | $ 58,589,000 | $ 103,149 | $ 60,000 |
| Portland, ME | 564 | $ 70,012,000 | $ 124,134 | $ 96,000 |
| Akron, OH | 559 | $ 51,468,000 | $ 92,071 | $ 68,000 |
| Portland-Vancouver, OR-WA | 549 | $ 65,950,000 | $ 120,127 | $ 79,000 |
| Salt Lake City-Ogden, UT | 526 | $ 32,506,000 | $ 61,798 | $ 83,000 |
| Boise City, ID | 473 | $ 62,778,000 | $ 132,723 | $ 98,000 |
| Rochester, NY | 443 | $ 24,171,000 | $ 54,562 | $ 62,000 |
| Cincinnati, OH-KY-IN | 435 | $ 41,458,000 | $ 95,305 | $ 80,000 |
| Youngstown-Warren, OH | 388 | $ 15,684,000 | $ 40,422 | $ 62,000 |
| Canton-Massillon, OH | 379 | $ 23,230,000 | $ 61,292 | $ 57,000 |
| Detroit, MI | 322 | $ 30,080,000 | $ 93,416 | $ 82,000 |
| Ann Arbor, MI | 298 | $ 30,009,000 | $ 100,701 | $ 80,000 |
| Elkhart-Goshen, IN | 288 | $ 19,055,000 | $ 66,163 | $ 57,000 |
| South Bend, IN | 274 | $ 19,503,000 | $ 71,178 | $ 64,000 |
| Burlington, VT | 209 | $ 23,370,000 | $ 111,818 | $ 67,000 |
| Newburgh, NY-PA | 207 | $ 20,256,000 | $ 97,855 | $ 77,000 |
| Olympia, WA | 192 | $ 16,868,000 | $ 87,854 | $ 72,000 |
| Eugene-Springfield, OR | 181 | $ 14,926,000 | $ 82,464 | $ 52,000 |
| Salem, OR | 172 | $ 15,197,000 | $ 88,354 | $ 61,000 |
| Anchorage, AK | 166 | $ 17,806,000 | $ 107,265 | $ 75,000 |
| Mansfield, OH | 160 | $ 8,991,000 | $ 56,193 | $ 63,000 |
| Bangor, ME | 146 | $ 8,819,000 | $ 60,404 | $ 65,000 |
| Kokomo, IN | 139 | $ 7,837,000 | $ 56,381 | $ 57,000 |
| Jamestown, NY | 133 | $ 5,752,000 | $ 43,248 | $ 55,000 |
| Dutchess County, NY | 132 | $ 14,060,000 | $ 106,515 | $ 72,000 |
| Medford-Ashland, OR | 125 | $ 12,766,000 | $ 102,128 | $ 55,000 |
| Pocatello, ID | 110 | $ 7,392,000 | $ 67,200 | $ 58,000 |
| Utica-Rome, NY | 110 | $ 4,335,000 | $ 39,409 | $ 65,000 |
| Bremerton, WA | 109 | $ 10,887,000 | $ 99,880 | $ 66,000 |
| Hamilton-Middletown, OH | 109 | $ 6,961,000 | $ 63,862 | $ 86,000 |
| Colorado Springs, CO | 105 | $ 6,268,000 | $ 59,695 | $ 75,000 |
| Fort Collins-Loveland, CO | 103 | $ 6,222,000 | $ 60,407 | $ 67,000 |
| Richland-Kennewick-Pasco, WA | 103 | $ 8,639,000 | $ 83,873 | $ 66,000 |
| Lewiston-Auburn, ME | 101 | $ 7,161,000 | $ 70,900 | $ 52,000 |
| Yakima, WA | 101 | $ 9,413,000 | $ 93,198 | $ 64,000 |
| Provo-Orem, UT | 80 | $ 4,913,000 | $ 61,412 | $ 79,000 |
| Glens Falls, NY | 79 | $ 6,081,000 | $ 76,974 | $ 142,000 |
| New York, NY | 66 | $ 10,783,000 | $ 163,378 | $ 136,000 |
| Boulder-Longmont, CO | 63 | $ 8,070,000 | $ 128,095 | $ 152,000 |
| Bellingham, WA | 47 | $ 7,229,000 | $ 153,808 | $ 128,000 |
| Greeley, CO | 47 | $ 2,625,000 | $ 55,851 | $ 87,000 |
| Fort Myers-Cape Coral, FL | 32 | $ 7,836,000 | $ 244,875 | $ 235,000 |
| Naples, FL | 27 | $ 9,074,000 | $ 336,074 | $ 274,000 |
| Benton Harbor, MI | 18 | $ 854,000 | $ 47,444 | $ 74,000 |
| Muncie, IN | 17 | $ 224,000 | $ 13,176 | $ 42,000 |
| Nassau-Suffolk, NY | 17 | $ 2,159,000 | $ 127,000 | $ 133,000 |
| Corvallis, OR | 16 | $ 1,939,000 | $ 121,187 | $ 73,000 |
| Chicago, IL | 15 | $ 3,878,000 | $ 258,533 | $ 210,000 |
| Sarasota-Bradenton, FL | 13 | $ 3,036,000 | $ 233,538 | $ 431,000 |
| Boston, MA-NH | 12 | $ 6,042,000 | $ 503,500 | $ 145,000 |
| Jackson, MI | 12 | $ 778,000 | $ 64,833 | $ 47,000 |
| Lafayette, IN | 12 | $ 394,000 | $ 32,833 | $ 75,000 |
| Lansing-East Lansing, MI | 11 | $ 1,154,000 | $ 104,909 | $ 85,000 |
| Phoenix-Mesa, AZ | 11 | $ 5,592,000 | $ 508,363 | $ 569,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 2,075,000 | $ 188,636 | $ 162,000 |
| Bloomington, IN | 10 | $ 775,000 | $ 77,500 | $ 94,000 |
| Grand Rapids-Muskegon-Holland, MI | 10 | $ 1,246,000 | $ 124,600 | $ 125,000 |
| Fort Lauderdale, FL | 9 | $ 1,171,000 | $ 130,111 | $ 179,000 |
| Los Angeles-Long Beach, CA | 9 | $ 2,954,000 | $ 328,222 | $ 183,000 |
| Terre Haute, IN | 9 | $ 191,000 | $ 21,222 | $ 47,000 |
| West Palm Beach-Boca Raton, FL | 9 | $ 3,626,000 | $ 402,888 | $ 945,000 |
| Las Vegas, NV-AZ | 8 | $ 1,253,000 | $ 156,625 | $ 202,000 |
| Binghamton, NY | 7 | $ 225,000 | $ 32,142 | $ 53,000 |
| Fort Wayne, IN | 7 | $ 319,000 | $ 45,571 | $ 79,000 |
| Jacksonville, FL | 6 | $ 1,007,000 | $ 167,833 | $ 185,000 |
| Pittsburgh, PA | 6 | $ 1,211,000 | $ 201,833 | $ 191,000 |
| Portsmouth-Rochester, NH-ME | 6 | $ 766,000 | $ 127,666 | $ 120,000 |
| Riverside-San Bernardino, CA | 6 | $ 829,000 | $ 138,166 | $ 1,172,000 |
| Flint, MI | 5 | $ 362,000 | $ 72,400 | $ 78,000 |
| Kalamazoo-Battle Creek, MI | 5 | $ 688,000 | $ 137,600 | $ 138,000 |
| Newark, NJ | 5 | $ 354,000 | $ 70,800 | $ 63,000 |
| Sacramento, CA | 5 | $ 761,000 | $ 152,200 | $ 115,000 |
| Spokane, WA | 5 | $ 991,000 | $ 198,200 | $ 62,000 |
| Daytona Beach, FL | 4 | $ 672,000 | $ 168,000 | $ 146,000 |
| Miami, FL | 4 | $ 478,000 | $ 119,500 | $ 188,000 |
| Orlando, FL | 4 | $ 1,164,000 | $ 291,000 | $ 220,000 |
| San Diego, CA | 4 | $ 888,000 | $ 222,000 | $ 133,000 |
| Sharon, PA | 4 | $ 174,000 | $ 43,500 | $ 38,000 |
| Atlanta, GA | 3 | $ 744,000 | $ 248,000 | $ 112,000 |
| Casper, WY | 3 | $ 88,000 | $ 29,333 | $ 58,000 |
| Charleston-North Charleston, SC | 3 | $ 5,200,000 | $ 1,733,333 | $ 1,120,000 |
| Elmira, NY | 3 | $ 34,000 | $ 11,333 | $ 35,000 |
| Fresno, CA | 3 | $ 316,000 | $ 105,333 | $ 62,000 |
| Lakeland-Winter Haven, FL | 3 | $ 220,000 | $ 73,333 | $ 48,000 |
| Lima, OH | 3 | $ 229,000 | $ 76,333 | $ 61,000 |
| Melbourne-Titusville-Palm Bay, FL | 3 | $ 354,000 | $ 118,000 | $ 152,000 |
| Middlesex-Somerset-Hunterdon, NJ | 3 | $ 1,771,000 | $ 590,333 | $ 302,000 |
| Tucson, AZ | 3 | $ 488,000 | $ 162,666 | $ 102,000 |
| Wilmington, NC | 3 | $ 391,000 | $ 130,333 | $ 72,000 |
| Athens, GA | 2 | $ 289,000 | $ 144,500 | $ 50,000 |
| Barnstable-Yarmouth, MA | 2 | $ 289,000 | $ 144,500 | $ 144,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 207,000 | $ 103,500 | $ 129,000 |
| Fort Pierce-Port St. Lucie, FL | 2 | $ 5,225,000 | $ 2,612,500 | $ 582,000 |
| Gary, IN | 2 | $ 307,000 | $ 153,500 | $ 80,000 |
| Honolulu, HI | 2 | $ 304,000 | $ 152,000 | $ 231,000 |
| Jersey City, NJ | 2 | $ 465,000 | $ 232,500 | $ 314,000 |
| Manchester, NH | 2 | $ 288,000 | $ 144,000 | $ 72,000 |
| Myrtle Beach, SC | 2 | $ 147,000 | $ 73,500 | $ 68,000 |
| Ocala, FL | 2 | $ 62,000 | $ 31,000 | $ 55,000 |
| Orange County, CA | 2 | $ 577,000 | $ 288,500 | $ 115,000 |
| Philadelphia, PA-NJ | 2 | $ 569,000 | $ 284,500 | $ 72,000 |
| Pittsfield, MA | 2 | $ 85,000 | $ 42,500 | $ 39,000 |
| Pueblo, CO | 2 | $ 233,000 | $ 116,500 | $ 41,000 |
| Saginaw-Bay City-Midland, MI | 2 | $ 97,000 | $ 48,500 | $ 61,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 30,000 | $ 15,000 | $ 64,000 |
| Charleston, WV | 1 | $ 200,000 | $ 200,000 | $ 800,000 |
| Cheyenne, WY | 1 | $ 18,000 | $ 18,000 | $ 40,000 |
| Columbia, MO | 1 | $ 2,110,000 | $ 2,110,000 | $ 520,000 |
| Columbia, SC | 1 | $ 280,000 | $ 280,000 | $ 78,000 |
| Flagstaff, AZ-UT | 1 | $ 300,000 | $ 300,000 | $ 734,000 |
| Fort Walton Beach, FL | 1 | $ 216,000 | $ 216,000 | $ 285,000 |
| Grand Junction, CO | 1 | $ 12,000 | $ 12,000 | $ 27,000 |
| Greenville-Spartanburg-Anderson, SC | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 1 | $ 77,000 | $ 77,000 | $ 11,000 |
| Knoxville, TN | 1 | $ 66,000 | $ 66,000 | $ 130,000 |
| Lexington, KY | 1 | $ 72,000 | $ 72,000 | $ 203,000 |
| Lowell, MA-NH | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Monmouth-Ocean, NJ | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| Nashville, TN | 1 | $ 125,000 | $ 125,000 | $ 141,000 |
| New London-Norwich, CT-RI | 1 | $ 76,000 | $ 76,000 | $ 90,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 34,000 | $ 34,000 | $ 20,000 |
| Oakland, CA | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Omaha, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Panama City, FL | 1 | $ 240,000 | $ 240,000 | $ 273,000 |
| Pensacola, FL | 1 | $ 304,000 | $ 304,000 | $ 328,000 |
| Peoria-Pekin, IL | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
| Providence-Fall River-Warwick, RI-MA | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Punta Gorda, FL | 1 | $ 152,000 | $ 152,000 | $ 138,000 |
| Rocky Mount, NC | 1 | $ 3,000 | $ 3,000 | $ 17,000 |
| Salinas, CA | 1 | $ 1,500,000 | $ 1,500,000 | $ 6,700,000 |
| San Francisco, CA | 1 | $ 322,000 | $ 322,000 | $ 337,000 |
| San Jose, CA | 1 | $ 378,000 | $ 378,000 | $ 380,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 1 | $ 170,000 | $ 170,000 | $ 222,000 |
| Santa Rosa, CA | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Savannah, GA | 1 | $ 303,000 | $ 303,000 | $ 300,000 |
| St. Louis, MO-IL | 1 | $ 122,000 | $ 122,000 | $ 180,000 |
| Stamford-Norwalk, CT | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Ventura, CA | 1 | $ 29,000 | $ 29,000 | $ 30,000 |
| Yuma, AZ | 1 | $ 47,000 | $ 47,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Keybank National Association in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 13,936 | $1,557,177,000 | $243,714 | $5,330,000 | $188,171 | $6,700,000 |
| Home Improvement (one-to-four family) | 8,556 | $154,455,000 | $78,275 | $1,500,000 | $108,586 | $4,554,000 |
| Home Purchase (one-to-four family) | 5,068 | $529,686,000 | $162,272 | $5,000,000 | $148,424 | $2,730,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 16 | $24,088,000 | $2,175,800 | $6,275,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 19,441 | $1,633,022,000 | $198,525 | $5,000,000 | $183,175 | $6,525,000 |
| Information not provided by applicant in mail or telephone application | 4,530 | $383,108,000 | $166,000 | $5,000,000 | $135,064 | $3,867,000 |
| Black | 1,767 | $96,200,000 | $98,000 | $1,220,000 | $92,055 | $1,519,000 |
| Hispanic | 951 | $51,891,000 | $50,187 | $498,000 | $50,375 | $761,000 |
| Asian or Pacific Islander | 414 | $39,819,000 | $144,222 | $2,000,000 | $77,555 | $804,000 |
| Other | 289 | $26,347,000 | $171,750 | $5,330,000 | $89,937 | $1,175,000 |
| American Indian or Alaskan Native | 160 | $9,438,000 | $68,000 | $600,000 | $54,250 | $305,000 |
| Not applicable | 24 | $25,581,000 | $1,553,750 | $6,275,000 | $1,133,500 | $6,700,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 27,453 | $2,252,972,000 | $194,170 | $6,275,000 | $173,951 | $6,700,000 |
| VA-guaranteed (Veterans Administration) | 76 | $7,912,000 | $111,600 | $235,000 | $57,400 | $117,000 |
| FHA-insured (Federal Housing Administration) | 47 | $4,522,000 | $116,700 | $206,000 | $61,500 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 15,600 | $1,492,215,000 | $216,800 | $6,275,000 | $223,800 | $6,700,000 |
| Application Denied By Financial Institution | 7,877 | $367,446,000 | $68,393 | $5,330,000 | $62,878 | $1,800,000 |
| Application Approved But Not Accepted | 2,831 | $229,139,000 | $136,800 | $1,920,000 | $139,720 | $1,740,000 |
| Application Withdrawn By Applicant | 875 | $118,396,000 | $184,250 | $5,000,000 | $115,875 | $2,730,000 |
| File Closed For Incompleteness | 393 | $58,210,000 | $410,111 | $2,762,000 | $107,666 | $1,552,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 3,264 | $92,221,000 | $36,320 | $887,000 | $58,560 | $936,000 |
| Debt-To-Income Ratio | 2,815 | $155,797,000 | $73,615 | $5,330,000 | $46,384 | $1,392,000 |
| Collateral | 850 | $64,502,000 | $91,777 | $1,429,000 | $78,000 | $707,000 |
| Other | 838 | $46,160,000 | $66,761 | $2,000,000 | $103,904 | $1,800,000 |
| Unverifiable Information | 49 | $4,605,000 | $107,083 | $425,000 | $89,583 | $262,000 |
| Employment History | 34 | $2,754,000 | $79,909 | $274,000 | $26,090 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $1,208,000 | $44,833 | $135,000 | $65,833 | $180,000 |
| Credit Application Incomplete | 2 | $199,000 | $99,500 | $120,000 | $60,500 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Keybank National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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