Keybank National Association Mortgage Lending & HMDA Data, 2005
In 2005, Keybank National Association of Cleveland, OH reported 177,020 mortgage applications totaling $13.9 billion, down 4% from 2004. The average application was for $78,322, and applicants reported an average income of $66,561. 28% of its applications resulted in an originated loan and 27% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (5,268), Phoenix-Mesa-Scottsdale, AZ (4,897) and Edison, NJ (4,726) (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 | 177,020 |
| Total Mortgage Loan Application Amount | $13,864,563,000 |
| Average Mortgage Loan Application Amount | $78,322 |
| Highest Mortgage Loan Application Amount | $8,425,000 |
| Average Applicant Income | $66,561 |
| Highest Applicant Income | $6,822,000 |
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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Keybank National Association in 2005
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 | 89,008 | $10,832,604,000 | $143,350 | $5,500,000 | $85,725 | $6,822,000 |
| Home Improvement | 82,786 | $2,300,976,000 | $24,820 | $8,425,000 | $65,900 | $3,733,000 |
| Home Purchase | 5,226 | $730,983,000 | $188,611 | $6,000,000 | $119,388 | $3,647,000 |
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 | 86,608 | $4,998,494,000 | $52,745 | $6,000,000 | $68,529 | $6,822,000 |
| Not Provided | 61,827 | $7,450,380,000 | $104,320 | $4,000,000 | $89,760 | $6,667,000 |
| Black or African American | 15,619 | $721,046,000 | $44,040 | $2,302,000 | $62,775 | $1,800,000 |
| Hispanic | 9,182 | $439,665,000 | $42,204 | $8,425,000 | $68,428 | $3,588,000 |
| Asian | 1,851 | $162,508,000 | $58,755 | $3,505,000 | $78,177 | $2,975,000 |
| American Indian or Alaskan Native | 809 | $42,687,000 | $40,458 | $1,100,000 | $61,562 | $1,678,000 |
| Not applicable | 673 | $27,350,000 | $213,727 | $1,900,000 | $10,545 | $581,000 |
| Native Hawaiian or Other Pacific Islander | 451 | $22,433,000 | $46,694 | $675,000 | $85,972 | $1,800,000 |
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) | 176,860 | $13,847,845,000 | $67,019 | $8,425,000 | $73,557 | $6,822,000 |
| VA-guaranteed (Veterans Administration) | 83 | $9,533,000 | $83,368 | $344,000 | $63,157 | $150,000 |
| FHA-insured (Federal Housing Administration) | 76 | $7,139,000 | $79,105 | $236,000 | $56,684 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $46,000 | $46,000 | $46,000 | $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 Withdrawn By Applicant | 54,677 | $6,614,716,000 | $78,897 | $2,950,000 | $69,571 | $6,667,000 |
| Loan Originated | 50,193 | $3,250,199,000 | $67,705 | $6,000,000 | $87,862 | $6,822,000 |
| Application Denied By Financial Institution | 48,404 | $2,573,184,000 | $39,880 | $8,425,000 | $59,720 | $4,752,000 |
| Application Approved But Not Accepted | 20,299 | $1,065,671,000 | $41,693 | $3,750,000 | $72,673 | $1,980,000 |
| File Closed For Incompleteness | 2,360 | $289,796,000 | $115,700 | $2,400,000 | $72,000 | $5,417,000 |
| Loan Purchased By The Institution | 694 | $24,032,000 | $36,555 | $220,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 393 | $46,965,000 | $119,000 | $830,000 | $35,000 | $360,000 |
| 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 | 23,111 | $621,024,000 | $24,647 | $8,425,000 | $61,823 | $3,733,000 |
| Debt-To-Income Ratio | 14,494 | $1,122,865,000 | $54,660 | $2,302,000 | $47,320 | $4,752,000 |
| Collateral | 5,459 | $453,828,000 | $60,080 | $2,600,000 | $74,980 | $2,819,000 |
| Other | 4,767 | $304,880,000 | $55,285 | $1,610,000 | $68,877 | $2,700,000 |
| Unverifiable Information | 745 | $93,290,000 | $99,424 | $852,000 | $44,848 | $581,000 |
| Employment History | 88 | $8,888,000 | $116,720 | $555,000 | $78,720 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 86 | $9,297,000 | $102,461 | $324,000 | $72,000 | $340,000 |
| Credit Application Incomplete | 47 | $6,077,000 | $140,111 | $470,000 | $44,777 | $288,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association's 2005 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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