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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 6,152 | $ 991,566,000 | $ 161,177 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6,133 | $ 213,627,000 | $ 34,832 | $ 64,000 |
| Nassau-Suffolk, NY | 5,236 | $ 760,750,000 | $ 145,292 | $ 87,000 |
| Edison, NJ | 4,221 | $ 460,813,000 | $ 109,171 | $ 76,000 |
| Philadelphia, PA | 4,136 | $ 291,039,000 | $ 70,367 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 3,963 | $ 250,361,000 | $ 63,174 | $ 64,000 |
| Newark-Union, NJ-PA | 2,948 | $ 361,299,000 | $ 122,557 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 2,860 | $ 154,363,000 | $ 53,973 | $ 84,000 |
| Buffalo-Niagara Falls, NY | 2,570 | $ 130,055,000 | $ 50,605 | $ 49,000 |
| Boston-Quincy, MA | 2,477 | $ 308,141,000 | $ 124,400 | $ 74,000 |
| Seattle-Bellevue-Everett, WA | 2,424 | $ 304,379,000 | $ 125,568 | $ 77,000 |
| Denver-Aurora, CO | 2,406 | $ 186,171,000 | $ 77,377 | $ 82,000 |
| Chicago-Naperville-Joliet, IL | 2,332 | $ 65,724,000 | $ 28,183 | $ 70,000 |
| Camden, NJ | 2,260 | $ 150,700,000 | $ 66,681 | $ 65,000 |
| Baltimore-Towson, MD | 2,186 | $ 124,936,000 | $ 57,152 | $ 71,000 |
| Columbus, OH | 2,092 | $ 83,317,000 | $ 39,826 | $ 66,000 |
| Toledo, OH | 1,968 | $ 107,124,000 | $ 54,432 | $ 64,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,931 | $ 210,339,000 | $ 108,927 | $ 77,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1,929 | $ 225,627,000 | $ 116,965 | $ 82,000 |
| Syracuse, NY | 1,838 | $ 80,896,000 | $ 44,013 | $ 51,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,803 | $ 78,947,000 | $ 43,786 | $ 67,000 |
| Providence-New Bedford-Fall River, RI-MA | 1,782 | $ 180,605,000 | $ 101,349 | $ 56,000 |
| Rochester, NY | 1,732 | $ 81,766,000 | $ 47,209 | $ 55,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,727 | $ 127,394,000 | $ 73,766 | $ 89,000 |
| Albany-Schenectady-Troy, NY | 1,723 | $ 109,981,000 | $ 63,831 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,667 | $ 31,159,000 | $ 18,691 | $ 66,000 |
| Hartford-West Hartford-East Hartford, CT | 1,653 | $ 137,781,000 | $ 83,352 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 1,577 | $ 43,415,000 | $ 27,530 | $ 57,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,511 | $ 71,643,000 | $ 47,414 | $ 67,000 |
| Warren-Farmington Hills-Troy, MI | 1,477 | $ 54,381,000 | $ 36,818 | $ 68,000 |
| Tacoma, WA | 1,438 | $ 138,504,000 | $ 96,317 | $ 64,000 |
| Orlando, FL | 1,434 | $ 67,574,000 | $ 47,122 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 1,395 | $ 189,947,000 | $ 136,162 | $ 66,000 |
| Pittsburgh, PA | 1,379 | $ 62,040,000 | $ 44,989 | $ 52,000 |
| Portland-South Portland-Biddeford, ME | 1,373 | $ 140,241,000 | $ 102,142 | $ 71,000 |
| Las Vegas-Paradise, NV | 1,363 | $ 77,583,000 | $ 56,920 | $ 74,000 |
| Indianapolis, IN | 1,336 | $ 58,454,000 | $ 43,752 | $ 74,000 |
| New Haven-Milford, CT | 1,323 | $ 108,224,000 | $ 81,801 | $ 63,000 |
| Worcester, MA | 1,288 | $ 125,939,000 | $ 97,778 | $ 60,000 |
| Salt Lake City, UT | 1,273 | $ 95,503,000 | $ 75,021 | $ 73,000 |
| Akron, OH | 1,060 | $ 64,159,000 | $ 60,527 | $ 66,000 |
| Dayton, OH | 1,060 | $ 43,307,000 | $ 40,855 | $ 66,000 |
| Bridgeport-Stamford-Norwalk, CT | 1,052 | $ 126,638,000 | $ 120,378 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 970 | $ 51,615,000 | $ 53,211 | $ 58,000 |
| Essex County, MA | 921 | $ 109,417,000 | $ 118,802 | $ 62,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 879 | $ 53,844,000 | $ 61,255 | $ 74,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 871 | $ 53,464,000 | $ 61,382 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 856 | $ 20,034,000 | $ 23,404 | $ 62,000 |
| Wilmington, DE-MD-NJ | 824 | $ 58,585,000 | $ 71,098 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 809 | $ 37,662,000 | $ 46,553 | $ 106,000 |
| Jacksonville, FL | 806 | $ 38,931,000 | $ 48,301 | $ 61,000 |
| Ogden-Clearfield, UT | 791 | $ 42,567,000 | $ 53,814 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 777 | $ 97,199,000 | $ 125,095 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 767 | $ 45,500,000 | $ 59,322 | $ 62,000 |
| Canton-Massillon, OH | 736 | $ 47,575,000 | $ 64,639 | $ 61,000 |
| Springfield, MA | 730 | $ 44,597,000 | $ 61,091 | $ 58,000 |
| Rockingham County-Strafford County, NH | 706 | $ 80,129,000 | $ 113,497 | $ 71,000 |
| Boise City-Nampa, ID | 678 | $ 59,946,000 | $ 88,415 | $ 65,000 |
| Richmond, VA | 653 | $ 30,700,000 | $ 47,013 | $ 54,000 |
| Manchester-Nashua, NH | 638 | $ 70,315,000 | $ 110,211 | $ 62,000 |
| Grand Rapids-Wyoming, MI | 624 | $ 13,343,000 | $ 21,383 | $ 49,000 |
| St. Louis, MO-IL | 602 | $ 13,843,000 | $ 22,995 | $ 51,000 |
| Bethesda-Frederick-Gaithersburg, MD | 598 | $ 55,812,000 | $ 93,331 | $ 90,000 |
| Tucson, AZ | 595 | $ 20,072,000 | $ 33,734 | $ 70,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 576 | $ 41,546,000 | $ 72,128 | $ 81,000 |
| Kansas City, MO-KS | 568 | $ 10,228,000 | $ 18,007 | $ 55,000 |
| Kingston, NY | 555 | $ 54,630,000 | $ 98,432 | $ 55,000 |
| Youngstown-Warren-Boardman, OH-PA | 533 | $ 21,074,000 | $ 39,538 | $ 72,000 |
| Stockton, CA | 514 | $ 23,549,000 | $ 45,815 | $ 76,000 |
| Scranton--Wilkes-Barre, PA | 510 | $ 27,474,000 | $ 53,870 | $ 47,000 |
| Santa Ana-Anaheim-Irvine, CA | 505 | $ 47,293,000 | $ 93,649 | $ 85,000 |
| Charlotte-Gastonia-Concord, NC-SC | 501 | $ 19,392,000 | $ 38,706 | $ 74,000 |
| Trenton-Ewing, NJ | 496 | $ 41,088,000 | $ 82,838 | $ 68,000 |
| Utica-Rome, NY | 483 | $ 18,803,000 | $ 38,929 | $ 47,000 |
| Houston-Baytown-Sugar Land, TX | 459 | $ 6,522,000 | $ 14,209 | $ 59,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 456 | $ 30,185,000 | $ 66,195 | $ 59,000 |
| Bangor, ME | 454 | $ 24,838,000 | $ 54,709 | $ 47,000 |
| Salem, OR | 451 | $ 31,877,000 | $ 70,680 | $ 52,000 |
| Cape Coral-Fort Myers, FL | 447 | $ 26,157,000 | $ 58,516 | $ 82,000 |
| Reading, PA | 446 | $ 25,712,000 | $ 57,650 | $ 52,000 |
| Colorado Springs, CO | 444 | $ 17,438,000 | $ 39,274 | $ 62,000 |
| Louisville, KY-IN | 439 | $ 12,121,000 | $ 27,610 | $ 52,000 |
| Atlantic City, NJ | 431 | $ 28,473,000 | $ 66,062 | $ 56,000 |
| Olympia, WA | 427 | $ 39,451,000 | $ 92,391 | $ 76,000 |
| Norwich-New London, CT | 412 | $ 39,832,000 | $ 96,679 | $ 63,000 |
| Bakersfield, CA | 411 | $ 18,264,000 | $ 44,437 | $ 70,000 |
| San Diego-Carlsbad-San Marcos, CA | 409 | $ 47,994,000 | $ 117,344 | $ 90,000 |
| Barnstable Town, MA | 394 | $ 50,253,000 | $ 127,545 | $ 67,000 |
| Fresno, CA | 389 | $ 24,128,000 | $ 62,025 | $ 72,000 |
| Sarasota-Bradenton-Venice, FL | 382 | $ 22,562,000 | $ 59,062 | $ 65,000 |
| Elkhart-Goshen, IN | 377 | $ 18,339,000 | $ 48,644 | $ 54,000 |
| Flint, MI | 375 | $ 8,404,000 | $ 22,410 | $ 54,000 |
| Binghamton, NY | 371 | $ 14,173,000 | $ 38,202 | $ 47,000 |
| Columbia, SC | 364 | $ 9,244,000 | $ 25,395 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 358 | $ 18,341,000 | $ 51,231 | $ 54,000 |
| Milwaukee-Waukesha-West Allis, WI | 358 | $ 6,609,000 | $ 18,460 | $ 65,000 |
| Modesto, CA | 357 | $ 18,118,000 | $ 50,750 | $ 76,000 |
| Harrisburg-Carlisle, PA | 348 | $ 12,574,000 | $ 36,132 | $ 52,000 |
| Burlington-South Burlington, VT | 347 | $ 38,499,000 | $ 110,948 | $ 60,000 |
| Memphis, TN-MS-AR | 336 | $ 6,554,000 | $ 19,505 | $ 59,000 |
| Raleigh-Cary, NC | 335 | $ 14,358,000 | $ 42,859 | $ 74,000 |
| Ann Arbor, MI | 325 | $ 22,149,000 | $ 68,150 | $ 83,000 |
| Lansing-East Lansing, MI | 325 | $ 9,052,000 | $ 27,852 | $ 62,000 |
| Fort Worth-Arlington, TX | 323 | $ 4,768,000 | $ 14,761 | $ 61,000 |
| South Bend-Mishawaka, IN-MI | 318 | $ 14,170,000 | $ 44,559 | $ 57,000 |
| Monroe, MI | 317 | $ 17,977,000 | $ 56,709 | $ 59,000 |
| Dallas-Plano-Irving, TX | 314 | $ 5,271,000 | $ 16,786 | $ 67,000 |
| Bremerton-Silverdale, WA | 310 | $ 27,702,000 | $ 89,361 | $ 74,000 |
| Provo-Orem, UT | 302 | $ 16,553,000 | $ 54,811 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 296 | $ 15,449,000 | $ 52,192 | $ 54,000 |
| Springfield, OH | 295 | $ 9,573,000 | $ 32,450 | $ 53,000 |
| Kennewick-Richland-Pasco, WA | 294 | $ 20,533,000 | $ 69,840 | $ 56,000 |
| Mansfield, OH | 292 | $ 16,246,000 | $ 55,636 | $ 61,000 |
| Vallejo-Fairfield, CA | 292 | $ 21,071,000 | $ 72,160 | $ 76,000 |
| Eugene-Springfield, OR | 287 | $ 24,142,000 | $ 84,118 | $ 63,000 |
| Port St. Lucie-Fort Pierce, FL | 280 | $ 15,220,000 | $ 54,357 | $ 65,000 |
| Glens Falls, NY | 279 | $ 14,433,000 | $ 51,731 | $ 51,000 |
| Lancaster, PA | 265 | $ 14,667,000 | $ 55,347 | $ 76,000 |
| Oklahoma City, OK | 258 | $ 5,993,000 | $ 23,228 | $ 52,000 |
| Yakima, WA | 257 | $ 14,972,000 | $ 58,256 | $ 48,000 |
| Fayetteville, NC | 249 | $ 5,721,000 | $ 22,975 | $ 62,000 |
| Greeley, CO | 248 | $ 18,557,000 | $ 74,826 | $ 52,000 |
| York-Hanover, PA | 246 | $ 11,109,000 | $ 45,158 | $ 54,000 |
| Augusta-Richmond County, GA-SC | 245 | $ 2,822,000 | $ 11,518 | $ 59,000 |
| Medford, OR | 238 | $ 19,687,000 | $ 82,718 | $ 71,000 |
| Lakeland, FL | 235 | $ 10,320,000 | $ 43,914 | $ 48,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 231 | $ 31,548,000 | $ 136,571 | $ 104,000 |
| Tulsa, OK | 229 | $ 11,413,000 | $ 49,838 | $ 55,000 |
| Fort Wayne, IN | 228 | $ 4,774,000 | $ 20,938 | $ 42,000 |
| Omaha-Council Bluffs, NE-IA | 226 | $ 3,147,000 | $ 13,924 | $ 46,000 |
| Vineland-Millville-Bridgeton, NJ | 226 | $ 12,574,000 | $ 55,637 | $ 48,000 |
| Lewiston-Auburn, ME | 219 | $ 12,689,000 | $ 57,940 | $ 52,000 |
| Chico, CA | 217 | $ 6,323,000 | $ 29,138 | $ 59,000 |
| Greensboro-High Point, NC | 213 | $ 10,749,000 | $ 50,464 | $ 57,000 |
| Visalia-Porterville, CA | 202 | $ 8,721,000 | $ 43,173 | $ 64,000 |
| Peoria, IL | 201 | $ 2,655,000 | $ 13,208 | $ 51,000 |
| Wichita, KS | 201 | $ 2,904,000 | $ 14,447 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 199 | $ 19,005,000 | $ 95,502 | $ 101,000 |
| Fort Collins-Loveland, CO | 195 | $ 13,247,000 | $ 67,933 | $ 61,000 |
| Kalamazoo-Portage, MI | 194 | $ 6,230,000 | $ 32,113 | $ 48,000 |
| Naples-Marco Island, FL | 192 | $ 23,079,000 | $ 120,203 | $ 137,000 |
| Kokomo, IN | 189 | $ 9,763,000 | $ 51,656 | $ 65,000 |
| Charleston-North Charleston, SC | 187 | $ 9,407,000 | $ 50,304 | $ 60,000 |
| Knoxville, TN | 187 | $ 3,559,000 | $ 19,032 | $ 46,000 |
| Bellingham, WA | 184 | $ 17,169,000 | $ 93,309 | $ 55,000 |
| Sandusky, OH | 183 | $ 9,564,000 | $ 52,262 | $ 51,000 |
| Idaho Falls, ID | 181 | $ 10,157,000 | $ 56,116 | $ 68,000 |
| Dover, DE | 179 | $ 10,771,000 | $ 60,173 | $ 57,000 |
| Pensacola-Ferry Pass-Brent, FL | 178 | $ 9,014,000 | $ 50,640 | $ 52,000 |
| Ocean City, NJ | 173 | $ 17,399,000 | $ 100,572 | $ 61,000 |
| Williamsport, PA | 162 | $ 7,443,000 | $ 45,944 | $ 60,000 |
| Chattanooga, TN-GA | 159 | $ 4,015,000 | $ 25,251 | $ 49,000 |
| Austin-Round Rock, TX | 157 | $ 5,087,000 | $ 32,401 | $ 58,000 |
| Albuquerque, NM | 156 | $ 2,563,000 | $ 16,429 | $ 65,000 |
| Lexington-Fayette, KY | 155 | $ 3,307,000 | $ 21,335 | $ 61,000 |
| Winston-Salem, NC | 155 | $ 7,263,000 | $ 46,858 | $ 55,000 |
| San Francisco-San Mateo-Redwood City, CA | 154 | $ 25,699,000 | $ 166,876 | $ 81,000 |
| Merced, CA | 152 | $ 7,314,000 | $ 48,118 | $ 65,000 |
| Saginaw-Saginaw Township North, MI | 151 | $ 3,669,000 | $ 24,298 | $ 50,000 |
| Greenville, SC | 148 | $ 4,901,000 | $ 33,114 | $ 49,000 |
| Muskegon-Norton Shores, MI | 146 | $ 3,522,000 | $ 24,123 | $ 37,000 |
| Anderson, IN | 144 | $ 5,636,000 | $ 39,138 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 142 | $ 5,509,000 | $ 38,795 | $ 76,000 |
| Reno-Sparks, NV | 140 | $ 8,542,000 | $ 61,014 | $ 58,000 |
| Battle Creek, MI | 136 | $ 3,342,000 | $ 24,573 | $ 43,000 |
| Boulder, CO | 136 | $ 12,937,000 | $ 95,125 | $ 83,000 |
| Durham, NC | 134 | $ 6,908,000 | $ 51,552 | $ 75,000 |
| Birmingham-Hoover, AL | 126 | $ 1,508,000 | $ 11,968 | $ 60,000 |
| Pittsfield, MA | 126 | $ 9,502,000 | $ 75,412 | $ 49,000 |
| Punta Gorda, FL | 125 | $ 5,883,000 | $ 47,064 | $ 53,000 |
| Roanoke, VA | 123 | $ 5,669,000 | $ 46,089 | $ 48,000 |
| Holland-Grand Haven, MI | 122 | $ 3,161,000 | $ 25,909 | $ 47,000 |
| Anchorage, AK | 121 | $ 11,561,000 | $ 95,545 | $ 82,000 |
| Mount Vernon-Anacortes, WA | 118 | $ 9,383,000 | $ 79,516 | $ 82,000 |
| Niles-Benton Harbor, MI | 118 | $ 5,033,000 | $ 42,652 | $ 53,000 |
| Redding, CA | 117 | $ 3,457,000 | $ 29,547 | $ 57,000 |
| Fort Walton Beach-Crestview-Destin, FL | 116 | $ 6,184,000 | $ 53,310 | $ 67,000 |
| Wenatchee, WA | 116 | $ 9,357,000 | $ 80,663 | $ 59,000 |
| Yuba City, CA | 113 | $ 4,566,000 | $ 40,407 | $ 65,000 |
| Clarksville, TN-KY | 112 | $ 1,736,000 | $ 15,500 | $ 51,000 |
| Ocala, FL | 112 | $ 4,511,000 | $ 40,276 | $ 45,000 |
| Erie, PA | 111 | $ 5,459,000 | $ 49,180 | $ 44,000 |
| Longview, WA | 111 | $ 6,645,000 | $ 59,864 | $ 49,000 |
| Spokane, WA | 111 | $ 6,417,000 | $ 57,810 | $ 56,000 |
| Santa Rosa-Petaluma, CA | 108 | $ 9,384,000 | $ 86,888 | $ 70,000 |
| Evansville, IN-KY | 105 | $ 1,196,000 | $ 11,390 | $ 50,000 |
| Jackson, MI | 104 | $ 3,698,000 | $ 35,557 | $ 53,000 |
| Gary, IN | 101 | $ 3,162,000 | $ 31,306 | $ 51,000 |
| Panama City-Lynn Haven, FL | 100 | $ 4,214,000 | $ 42,140 | $ 50,000 |
| Spartanburg, SC | 100 | $ 2,357,000 | $ 23,570 | $ 53,000 |
| Prescott, AZ | 99 | $ 7,593,000 | $ 76,696 | $ 67,000 |
| Little Rock-North Little Rock, AR | 98 | $ 3,008,000 | $ 30,693 | $ 53,000 |
| Shreveport-Bossier City, LA | 98 | $ 1,530,000 | $ 15,612 | $ 57,000 |
| Des Moines, IA | 97 | $ 4,225,000 | $ 43,556 | $ 50,000 |
| Yuma, AZ | 97 | $ 3,458,000 | $ 35,649 | $ 58,000 |
| Fort Smith, AR-OK | 94 | $ 3,145,000 | $ 33,457 | $ 42,000 |
| Springfield, MO | 94 | $ 2,528,000 | $ 26,893 | $ 57,000 |
| Racine, WI | 93 | $ 1,631,000 | $ 17,537 | $ 50,000 |
| Pocatello, ID | 92 | $ 3,723,000 | $ 40,467 | $ 45,000 |
| San Antonio, TX | 86 | $ 1,749,000 | $ 20,337 | $ 51,000 |
| Altoona, PA | 85 | $ 2,580,000 | $ 30,352 | $ 40,000 |
| Madison, WI | 85 | $ 1,426,000 | $ 16,776 | $ 78,000 |
| Pueblo, CO | 85 | $ 3,259,000 | $ 38,341 | $ 51,000 |
| Tallahassee, FL | 84 | $ 4,206,000 | $ 50,071 | $ 59,000 |
| Killeen-Temple-Fort Hood, TX | 83 | $ 1,129,000 | $ 13,602 | $ 58,000 |
| Rockford, IL | 80 | $ 1,730,000 | $ 21,625 | $ 56,000 |
| Hickory-Lenoir-Morganton, NC | 79 | $ 2,502,000 | $ 31,670 | $ 56,000 |
| Salinas, CA | 78 | $ 7,372,000 | $ 94,512 | $ 75,000 |
| Asheville, NC | 77 | $ 4,106,000 | $ 53,324 | $ 59,000 |
| Elmira, NY | 77 | $ 2,556,000 | $ 33,194 | $ 46,000 |
| Lebanon, PA | 77 | $ 2,913,000 | $ 37,831 | $ 61,000 |
| Lima, OH | 76 | $ 3,030,000 | $ 39,868 | $ 47,000 |
| Charlottesville, VA | 74 | $ 4,796,000 | $ 64,810 | $ 50,000 |
| Cheyenne, WY | 74 | $ 1,137,000 | $ 15,364 | $ 61,000 |
| Lynchburg, VA | 72 | $ 3,397,000 | $ 47,180 | $ 50,000 |
| Bay City, MI | 71 | $ 1,899,000 | $ 26,746 | $ 77,000 |
| Salisbury, MD | 71 | $ 3,399,000 | $ 47,873 | $ 56,000 |
| Logan, UT-ID | 70 | $ 3,708,000 | $ 52,971 | $ 70,000 |
| Billings, MT | 69 | $ 1,330,000 | $ 19,275 | $ 63,000 |
| Hanford-Corcoran, CA | 69 | $ 2,798,000 | $ 40,550 | $ 65,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 68 | $ 5,712,000 | $ 84,000 | $ 53,000 |
| Hagerstown-Martinsburg, MD-WV | 67 | $ 5,518,000 | $ 82,358 | $ 55,000 |
| Johnstown, PA | 66 | $ 2,364,000 | $ 35,818 | $ 46,000 |
| Topeka, KS | 63 | $ 1,379,000 | $ 21,888 | $ 51,000 |
| Bend, OR | 62 | $ 4,084,000 | $ 65,870 | $ 53,000 |
| Ithaca, NY | 62 | $ 2,717,000 | $ 43,822 | $ 63,000 |
| Flagstaff, AZ | 60 | $ 3,746,000 | $ 62,433 | $ 52,000 |
| Casper, WY | 59 | $ 921,000 | $ 15,610 | $ 36,000 |
| Madera, CA | 59 | $ 3,766,000 | $ 63,830 | $ 53,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 58 | $ 2,917,000 | $ 50,293 | $ 53,000 |
| Bloomington-Normal, IL | 57 | $ 1,050,000 | $ 18,421 | $ 53,000 |
| Gainesville, FL | 57 | $ 3,399,000 | $ 59,631 | $ 46,000 |
| St. George, UT | 57 | $ 3,773,000 | $ 66,192 | $ 69,000 |
| St. Joseph, MO-KS | 57 | $ 1,571,000 | $ 27,561 | $ 60,000 |
| Jackson, MS | 55 | $ 3,822,000 | $ 69,490 | $ 41,000 |
| Joplin, MO | 52 | $ 1,257,000 | $ 24,173 | $ 48,000 |
| Anderson, SC | 49 | $ 1,104,000 | $ 22,530 | $ 46,000 |
| El Centro, CA | 48 | $ 2,087,000 | $ 43,479 | $ 68,000 |
| Kingsport-Bristol-Bristol, TN-VA | 48 | $ 1,164,000 | $ 24,250 | $ 44,000 |
| Winchester, VA-WV | 48 | $ 3,732,000 | $ 77,750 | $ 59,000 |
| Baton Rouge, LA | 47 | $ 1,658,000 | $ 35,276 | $ 86,000 |
| Napa, CA | 46 | $ 4,953,000 | $ 107,673 | $ 72,000 |
| Springfield, IL | 46 | $ 594,000 | $ 12,913 | $ 47,000 |
| Elizabethtown, KY | 45 | $ 1,660,000 | $ 36,888 | $ 53,000 |
| Burlington, NC | 44 | $ 2,916,000 | $ 66,272 | $ 61,000 |
| Rocky Mount, NC | 44 | $ 1,815,000 | $ 41,250 | $ 61,000 |
| State College, PA | 44 | $ 1,574,000 | $ 35,772 | $ 53,000 |
| Vero Beach, FL | 44 | $ 3,186,000 | $ 72,409 | $ 67,000 |
| Lawton, OK | 43 | $ 465,000 | $ 10,813 | $ 51,000 |
| Cleveland, TN | 42 | $ 1,051,000 | $ 25,023 | $ 49,000 |
| Wilmington, NC | 42 | $ 2,001,000 | $ 47,642 | $ 58,000 |
| Champaign-Urbana, IL | 41 | $ 443,000 | $ 10,804 | $ 46,000 |
| Janesville, WI | 41 | $ 497,000 | $ 12,121 | $ 66,000 |
| Lafayette, IN | 41 | $ 597,000 | $ 14,560 | $ 101,000 |
| Owensboro, KY | 41 | $ 615,000 | $ 15,000 | $ 43,000 |
| Blacksburg-Christiansburg-Radford, VA | 40 | $ 2,213,000 | $ 55,325 | $ 50,000 |
| Coeur D'Alene, ID | 40 | $ 1,251,000 | $ 31,275 | $ 47,000 |
| Huntsville, AL | 40 | $ 445,000 | $ 11,125 | $ 62,000 |
| Johnson City, TN | 40 | $ 810,000 | $ 20,250 | $ 62,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 40 | $ 5,568,000 | $ 139,200 | $ 123,000 |
| Corpus Christi, TX | 39 | $ 553,000 | $ 14,179 | $ 44,000 |
| Corvallis, OR | 39 | $ 3,753,000 | $ 96,230 | $ 77,000 |
| Cumberland, MD-WV | 39 | $ 2,380,000 | $ 61,025 | $ 46,000 |
| Grand Junction, CO | 39 | $ 1,740,000 | $ 44,615 | $ 53,000 |
| St. Cloud, MN | 38 | $ 3,297,000 | $ 86,763 | $ 43,000 |
| Danville, IL | 37 | $ 691,000 | $ 18,675 | $ 46,000 |
| Decatur, IL | 37 | $ 507,000 | $ 13,702 | $ 41,000 |
| Morristown, TN | 36 | $ 891,000 | $ 24,750 | $ 37,000 |
| Appleton, WI | 34 | $ 529,000 | $ 15,558 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 33 | $ 631,000 | $ 19,121 | $ 48,000 |
| Lincoln, NE | 33 | $ 545,000 | $ 16,515 | $ 44,000 |
| Great Falls, MT | 32 | $ 603,000 | $ 18,843 | $ 41,000 |
| Jacksonville, NC | 32 | $ 701,000 | $ 21,906 | $ 98,000 |
| Macon, GA | 32 | $ 1,099,000 | $ 34,343 | $ 63,000 |
| Muncie, IN | 32 | $ 1,616,000 | $ 50,500 | $ 46,000 |
| Bloomington, IN | 31 | $ 1,979,000 | $ 63,838 | $ 66,000 |
| Danville, VA | 31 | $ 1,763,000 | $ 56,870 | $ 45,000 |
| Jackson, TN | 31 | $ 821,000 | $ 26,483 | $ 68,000 |
| Terre Haute, IN | 31 | $ 1,081,000 | $ 34,870 | $ 45,000 |
| Valdosta, GA | 30 | $ 331,000 | $ 11,033 | $ 34,000 |
| Albany, GA | 29 | $ 256,000 | $ 8,827 | $ 48,000 |
| Fairbanks, AK | 29 | $ 2,688,000 | $ 92,689 | $ 66,000 |
| Sumter, SC | 29 | $ 1,242,000 | $ 42,827 | $ 61,000 |
| Carson City, NV | 28 | $ 1,962,000 | $ 70,071 | $ 67,000 |
| Farmington, NM | 28 | $ 462,000 | $ 16,500 | $ 68,000 |
| Michigan City-La Porte, IN | 28 | $ 1,187,000 | $ 42,392 | $ 72,000 |
| San Luis Obispo-Paso Robles, CA | 28 | $ 2,340,000 | $ 83,571 | $ 72,000 |
| Athens-Clarke County, GA | 27 | $ 457,000 | $ 16,925 | $ 52,000 |
| Cedar Rapids, IA | 25 | $ 858,000 | $ 34,320 | $ 53,000 |
| Columbus, IN | 25 | $ 545,000 | $ 21,800 | $ 39,000 |
| Santa Cruz-Watsonville, CA | 25 | $ 3,336,000 | $ 133,440 | $ 74,000 |
| Gulfport-Biloxi, MS | 23 | $ 870,000 | $ 37,826 | $ 81,000 |
| Sherman-Denison, TX | 23 | $ 309,000 | $ 13,434 | $ 42,000 |
| Waco, TX | 23 | $ 316,000 | $ 13,739 | $ 45,000 |
| Gainesville, GA | 22 | $ 565,000 | $ 25,681 | $ 60,000 |
| College Station-Bryan, TX | 21 | $ 372,000 | $ 17,714 | $ 63,000 |
| Dalton, GA | 21 | $ 236,000 | $ 11,238 | $ 44,000 |
| Duluth, MN-WI | 21 | $ 961,000 | $ 45,761 | $ 54,000 |
| Jonesboro, AR | 21 | $ 1,147,000 | $ 54,619 | $ 45,000 |
| Rochester, MN | 21 | $ 1,307,000 | $ 62,238 | $ 57,000 |
| Greenville, NC | 20 | $ 750,000 | $ 37,500 | $ 57,000 |
| Santa Fe, NM | 20 | $ 212,000 | $ 10,600 | $ 65,000 |
| Florence, SC | 19 | $ 2,618,000 | $ 137,789 | $ 52,000 |
| Harrisonburg, VA | 19 | $ 1,403,000 | $ 73,842 | $ 72,000 |
| Rapid City, SD | 19 | $ 264,000 | $ 13,894 | $ 59,000 |
| Sheboygan, WI | 19 | $ 258,000 | $ 13,578 | $ 42,000 |
| Bowling Green, KY | 18 | $ 349,000 | $ 19,388 | $ 69,000 |
| Brunswick, GA | 18 | $ 613,000 | $ 34,055 | $ 69,000 |
| Goldsboro, NC | 18 | $ 533,000 | $ 29,611 | $ 57,000 |
| Pascagoula, MS | 18 | $ 798,000 | $ 44,333 | $ 46,000 |
| Lafayette, LA | 17 | $ 204,000 | $ 12,000 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 17 | $ 456,000 | $ 26,823 | $ 85,000 |
| Sioux City, IA-NE-SD | 17 | $ 812,000 | $ 47,764 | $ 51,000 |
| Columbus, GA-AL | 16 | $ 211,000 | $ 13,187 | $ 42,000 |
| Longview, TX | 15 | $ 142,000 | $ 9,466 | $ 34,000 |
| Savannah, GA | 15 | $ 794,000 | $ 52,933 | $ 52,000 |
| Wichita Falls, TX | 15 | $ 159,000 | $ 10,600 | $ 50,000 |
| Amarillo, TX | 14 | $ 325,000 | $ 23,214 | $ 64,000 |
| Kankakee-Bradley, IL | 14 | $ 884,000 | $ 63,142 | $ 56,000 |
| Lubbock, TX | 14 | $ 93,000 | $ 6,642 | $ 57,000 |
| Oshkosh-Neenah, WI | 14 | $ 114,000 | $ 8,142 | $ 64,000 |
| Fond Du Lac, WI | 13 | $ 483,000 | $ 37,153 | $ 60,000 |
| Rome, GA | 13 | $ 165,000 | $ 12,692 | $ 48,000 |
| Texarkana, Tx-Texarkana, AR | 13 | $ 118,000 | $ 9,076 | $ 44,000 |
| Waterloo-Cedar Falls, IA | 13 | $ 859,000 | $ 66,076 | $ 40,000 |
| Ames, IA | 12 | $ 180,000 | $ 15,000 | $ 45,000 |
| Charleston, WV | 12 | $ 1,392,000 | $ 116,000 | $ 50,000 |
| Decatur, AL | 12 | $ 128,000 | $ 10,666 | $ 53,000 |
| Green Bay, WI | 12 | $ 341,000 | $ 28,416 | $ 62,000 |
| Jefferson City, MO | 12 | $ 518,000 | $ 43,166 | $ 37,000 |
| Laredo, TX | 12 | $ 211,000 | $ 17,583 | $ 56,000 |
| Las Cruces, NM | 12 | $ 395,000 | $ 32,916 | $ 49,000 |
| Lawrence, KS | 12 | $ 510,000 | $ 42,500 | $ 59,000 |
| Pine Bluff, AR | 12 | $ 273,000 | $ 22,750 | $ 32,000 |
| Warner Robins, GA | 12 | $ 142,000 | $ 11,833 | $ 62,000 |
| Wausau, WI | 12 | $ 329,000 | $ 27,416 | $ 41,000 |
| Bismarck, ND | 11 | $ 226,000 | $ 20,545 | $ 48,000 |
| Columbia, MO | 11 | $ 988,000 | $ 89,818 | $ 48,000 |
| Sioux Falls, SD | 11 | $ 504,000 | $ 45,818 | $ 58,000 |
| Tuscaloosa, AL | 11 | $ 121,000 | $ 11,000 | $ 61,000 |
| Weirton-Steubenville, WV-OH | 11 | $ 414,000 | $ 37,636 | $ 57,000 |
| Missoula, MT | 10 | $ 97,000 | $ 9,700 | $ 45,000 |
| Eau Claire, WI | 9 | $ 285,000 | $ 31,666 | $ 44,000 |
| Gadsden, AL | 9 | $ 129,000 | $ 14,333 | $ 41,000 |
| Tyler, TX | 9 | $ 151,000 | $ 16,777 | $ 35,000 |
| Abilene, TX | 8 | $ 102,000 | $ 12,750 | $ 37,000 |
| Beaumont-Port Arthur, TX | 8 | $ 106,000 | $ 13,250 | $ 48,000 |
| Midland, TX | 8 | $ 65,000 | $ 8,125 | $ 49,000 |
| Odessa, TX | 8 | $ 80,000 | $ 10,000 | $ 46,000 |
| Hot Springs, AR | 7 | $ 131,000 | $ 18,714 | $ 66,000 |
| La Crosse, WI-MN | 7 | $ 483,000 | $ 69,000 | $ 55,000 |
| Alexandria, LA | 6 | $ 61,000 | $ 10,166 | $ 42,000 |
| Anniston-Oxford, AL | 6 | $ 146,000 | $ 24,333 | $ 55,000 |
| Dubuque, IA | 6 | $ 286,000 | $ 47,666 | $ 56,000 |
| Fargo, ND-MN | 6 | $ 135,000 | $ 22,500 | $ 57,000 |
| El Paso, TX | 5 | $ 148,000 | $ 29,600 | $ 30,000 |
| Montgomery, AL | 5 | $ 53,000 | $ 10,600 | $ 51,000 |
| Lewiston, ID-WA | 4 | $ 86,000 | $ 21,500 | $ 59,000 |
| Monroe, LA | 4 | $ 55,000 | $ 13,750 | $ 44,000 |
| Parkersburg-Marietta, WV-OH | 4 | $ 159,000 | $ 39,750 | $ 36,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 274,000 | $ 68,500 | $ 67,000 |
| Hattiesburg, MS | 3 | $ 244,000 | $ 81,333 | $ 32,000 |
| Honolulu, HI | 3 | $ 3,125,000 | $ 1,041,666 | $ 2,748,000 |
| Mobile, AL | 3 | $ 118,000 | $ 39,333 | $ 49,000 |
| Auburn-Opelika, AL | 2 | $ 29,000 | $ 14,500 | $ 53,000 |
| Dothan, AL | 2 | $ 20,000 | $ 10,000 | $ 22,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 91,000 | $ 45,500 | $ 64,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 25,000 | $ 12,500 | $ 45,000 |
| Iowa City, IA | 2 | $ 193,000 | $ 96,500 | $ 55,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 61,000 | $ 30,500 | $ 35,000 |
| Victoria, TX | 2 | $ 33,000 | $ 16,500 | $ 68,000 |
| Wheeling, WV-OH | 2 | $ 30,000 | $ 15,000 | $ 36,000 |
| Brownsville-Harlingen, TX | 1 | $ 14,000 | $ 14,000 | $ 61,000 |
| Morgantown, WV | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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