Keybank National Association Mortgage Lending & HMDA Data, 2023

In 2023, Keybank National Association of Cleveland, OH reported 23,305 mortgage applications totaling $5.5 billion, down 57% from 2022. The average application was for $236,691, and applicants reported an average income of $148,987. 51% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Cleveland-Elyria, OH (1,976), Buffalo-Cheektowaga-Niagara Falls, NY (1,934) and Seattle-Bellevue-Everett, WA (1,297) (applications in parentheses).

Mortgage Company & Address Keybank National Association
127 Public Square
Cleveland, OH 44114
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 23,305
Total Mortgage Loan Application Amount $5,516,105,000
Average Mortgage Loan Application Amount $236,691
Highest Mortgage Loan Application Amount $98,005,000
Average Applicant Income $148,987
Highest Applicant Income $7,836,000

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records Keybank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Erie, New York 1,587 $ 235,085,000 $ 148,131 $ 114,000
Cuyahoga, Ohio 1,490 $ 180,500,000 $ 121,140 $ 126,000
King, Washington 922 $ 474,110,000 $ 514,219 $ 223,000
Allegheny, Pennsylvania 450 $ 57,740,000 $ 128,311 $ 99,000
Monroe, New York 444 $ 62,410,000 $ 140,563 $ 109,000
Pierce, Washington 422 $ 97,100,000 $ 230,094 $ 144,000
Snohomish, Washington 375 $ 154,155,000 $ 411,080 $ 197,000
Onondaga, New York 372 $ 66,580,000 $ 178,978 $ 127,000
Lucas, Ohio 357 $ 41,695,000 $ 116,792 $ 91,000
New Haven, Connecticut 349 $ 53,665,000 $ 153,767 $ 124,000
Niagara, New York 347 $ 41,025,000 $ 118,227 $ 90,000
Franklin, Ohio 321 $ 83,505,000 $ 260,140 $ 101,000
Summit, Ohio 304 $ 64,640,000 $ 212,631 $ 114,000
Salt Lake, Utah 304 $ 114,080,000 $ 375,263 $ 197,000
Montgomery, Pennsylvania 302 $ 52,200,000 $ 172,847 $ 126,000
Albany, New York 271 $ 50,115,000 $ 184,926 $ 148,000
Hartford, Connecticut 249 $ 32,325,000 $ 129,819 $ 121,000
Stark, Ohio 246 $ 30,760,000 $ 125,040 $ 104,000
Multnomah, Oregon 246 $ 75,270,000 $ 305,975 $ 180,000
Clackamas, Oregon 227 $ 71,425,000 $ 314,647 $ 208,000
Denver, Colorado 223 $ 91,415,000 $ 409,932 $ 202,000
Lorain, Ohio 190 $ 23,300,000 $ 122,631 $ 114,000
Cumberland, Maine 184 $ 42,320,000 $ 230,000 $ 161,000
Hamilton, Ohio 184 $ 34,960,000 $ 190,000 $ 144,000
Marion, Indiana 183 $ 28,435,000 $ 155,382 $ 130,000
Washington, Oregon 182 $ 48,600,000 $ 267,032 $ 169,000
Jefferson, Colorado 177 $ 53,975,000 $ 304,943 $ 204,000
Rockland, New York 169 $ 33,425,000 $ 197,781 $ 177,000
Lake, Ohio 167 $ 21,525,000 $ 128,892 $ 99,000
Tolland, Connecticut 157 $ 21,835,000 $ 139,076 $ 112,000
Yakima, Washington 157 $ 28,755,000 $ 183,152 $ 97,000
Arapahoe, Colorado 154 $ 51,240,000 $ 332,727 $ 166,000
Ada, Idaho 154 $ 51,910,000 $ 337,077 $ 219,000
Saratoga, New York 151 $ 25,825,000 $ 171,026 $ 137,000
Dutchess, New York 148 $ 32,880,000 $ 222,162 $ 160,000
Orange, New York 145 $ 27,875,000 $ 192,241 $ 134,000
Westchester, New York 145 $ 40,795,000 $ 281,344 $ 249,000
Fairfield, Connecticut 141 $ 45,755,000 $ 324,503 $ 270,000
Westmoreland, Pennsylvania 136 $ 13,830,000 $ 101,691 $ 147,000
Montgomery, Ohio 135 $ 16,075,000 $ 119,074 $ 109,000
Oneida, New York 133 $ 15,675,000 $ 117,857 $ 84,000
Chester, Pennsylvania 133 $ 19,185,000 $ 144,248 $ 143,000
Douglas, Colorado 130 $ 43,490,000 $ 334,538 $ 246,000
Hamilton, Indiana 130 $ 25,000,000 $ 192,307 $ 128,000
Schenectady, New York 130 $ 19,780,000 $ 152,153 $ 98,000
Marion, Oregon 125 $ 25,405,000 $ 203,240 $ 132,000
Hampden, Massachusetts 121 $ 14,495,000 $ 119,793 $ 85,000
Washington, Pennsylvania 121 $ 12,285,000 $ 101,528 $ 92,000
Rensselaer, New York 120 $ 17,460,000 $ 145,500 $ 131,000
St. Joseph, Indiana 117 $ 13,275,000 $ 113,461 $ 73,000
Clark, Washington 117 $ 30,355,000 $ 259,444 $ 170,000
Chautauqua, New York 116 $ 12,730,000 $ 109,741 $ 87,000
Erie, Ohio 115 $ 11,845,000 $ 103,000 $ 88,000
Adams, Colorado 110 $ 21,860,000 $ 198,727 $ 113,000
Columbia, New York 109 $ 15,975,000 $ 146,559 $ 128,000
Madison, Indiana 108 $ 9,900,000 $ 91,666 $ 58,000
Anchorage, Alaska 105 $ 29,465,000 $ 280,619 $ 151,000
Thurston, Washington 104 $ 19,580,000 $ 188,269 $ 164,000
Elkhart, Indiana 101 $ 10,245,000 $ 101,435 $ 62,000
Matanuska-Susitna, Alaska 100 $ 17,210,000 $ 172,100 $ 118,000
York, Maine 94 $ 19,060,000 $ 202,765 $ 122,000
Aroostook, Maine 93 $ 11,605,000 $ 124,784 $ 90,000
Wood, Ohio 93 $ 13,215,000 $ 142,096 $ 110,000
Linn, Oregon 93 $ 17,815,000 $ 191,559 $ 116,000
Cayuga, New York 88 $ 9,810,000 $ 111,477 $ 106,000
Oswego, New York 86 $ 8,270,000 $ 96,162 $ 93,000
Ulster, New York 86 $ 19,890,000 $ 231,279 $ 130,000
Portage, Ohio 86 $ 11,690,000 $ 135,930 $ 101,000
Utah, Utah 84 $ 30,550,000 $ 363,690 $ 257,000
Canyon, Idaho 83 $ 16,975,000 $ 204,518 $ 214,000
Penobscot, Maine 82 $ 10,530,000 $ 128,414 $ 81,000
Huron, Ohio 82 $ 9,200,000 $ 112,195 $ 70,000
Monroe, Michigan 80 $ 10,180,000 $ 127,250 $ 80,000
Davis, Utah 78 $ 24,760,000 $ 317,435 $ 173,000
Broome, New York 77 $ 8,045,000 $ 104,480 $ 67,000
Larimer, Colorado 76 $ 21,740,000 $ 286,052 $ 134,000
Washtenaw, Michigan 72 $ 14,410,000 $ 200,138 $ 110,000
Lehigh, Pennsylvania 70 $ 10,290,000 $ 147,000 $ 102,000
Howard, Indiana 69 $ 5,605,000 $ 81,231 $ 72,000
Erie, Pennsylvania 68 $ 6,540,000 $ 96,176 $ 86,000
Lane, Oregon 67 $ 13,115,000 $ 195,746 $ 119,000
Bucks, Pennsylvania 66 $ 10,160,000 $ 153,939 $ 166,000
Medina, Ohio 65 $ 11,295,000 $ 173,769 $ 115,000
Lenawee, Michigan 64 $ 7,640,000 $ 119,375 $ 81,000
Montgomery, New York 64 $ 6,910,000 $ 107,968 $ 76,000
Geauga, Ohio 64 $ 12,610,000 $ 197,031 $ 174,000
Kitsap, Washington 64 $ 16,940,000 $ 264,687 $ 255,000
Butler, Ohio 63 $ 7,115,000 $ 112,936 $ 192,000
Delaware, Ohio 62 $ 14,970,000 $ 241,451 $ 175,000
Maricopa, Arizona 61 $ 73,565,000 $ 1,205,983 $ 354,000
Middlesex, Connecticut 61 $ 10,885,000 $ 178,442 $ 150,000
Windham, Connecticut 61 $ 6,605,000 $ 108,278 $ 96,000
Fulton, New York 61 $ 5,425,000 $ 88,934 $ 64,000
Mahoning, Ohio 60 $ 6,960,000 $ 116,000 $ 108,000
Whatcom, Washington 60 $ 19,180,000 $ 319,666 $ 183,000
Boulder, Colorado 58 $ 18,020,000 $ 310,689 $ 224,000
Clermont, Ohio 57 $ 4,885,000 $ 85,701 $ 104,000
Chittenden, Vermont 56 $ 13,400,000 $ 239,285 $ 177,000
Richland, Ohio 54 $ 4,290,000 $ 79,444 $ 72,000
Clinton, New York 53 $ 5,455,000 $ 102,924 $ 89,000
Wayne, Michigan 52 $ 48,390,000 $ 930,576 $ 104,000
St. Lawrence, New York 52 $ 4,460,000 $ 85,769 $ 85,000
Jackson, Oregon 50 $ 11,890,000 $ 237,800 $ 135,000
Carbon, Pennsylvania 50 $ 4,640,000 $ 92,800 $ 93,000
Johnson, Indiana 49 $ 5,105,000 $ 104,183 $ 89,000
Weber, Utah 49 $ 15,315,000 $ 312,551 $ 179,000
El Paso, Colorado 48 $ 13,950,000 $ 290,625 $ 202,000
Greene, New York 48 $ 6,040,000 $ 125,833 $ 94,000
Jefferson, New York 48 $ 5,910,000 $ 123,125 $ 125,000
Warren, Ohio 46 $ 6,740,000 $ 146,521 $ 145,000
Genesee, New York 45 $ 4,865,000 $ 108,111 $ 83,000
Orleans, New York 45 $ 3,975,000 $ 88,333 $ 96,000
Ashtabula, Ohio 45 $ 3,895,000 $ 86,555 $ 54,000
Yamhill, Oregon 45 $ 9,775,000 $ 217,222 $ 138,000
Bonneville, Idaho 44 $ 11,840,000 $ 269,090 $ 137,000
Clallam, Washington 44 $ 5,950,000 $ 135,227 $ 114,000
Androscoggin, Maine 43 $ 5,485,000 $ 127,558 $ 99,000
Putnam, New York 43 $ 8,145,000 $ 189,418 $ 129,000
Hood River, Oregon 43 $ 13,115,000 $ 305,000 $ 231,000
Berks, Pennsylvania 43 $ 6,165,000 $ 143,372 $ 105,000
Cortland, New York 41 $ 3,245,000 $ 79,146 $ 72,000
Wayne, New York 41 $ 3,775,000 $ 92,073 $ 83,000
Fayette, Pennsylvania 41 $ 3,465,000 $ 84,512 $ 77,000
Fairbanks North Star, Alaska 40 $ 5,230,000 $ 130,750 $ 119,000
Kennebec, Maine 40 $ 5,680,000 $ 142,000 $ 100,000
Oakland, Michigan 40 $ 11,770,000 $ 294,250 $ 257,000
Kenai Peninsula, Alaska 39 $ 5,345,000 $ 137,051 $ 99,000
Hendricks, Indiana 39 $ 5,195,000 $ 133,205 $ 113,000
Lewis, Washington 37 $ 6,835,000 $ 184,729 $ 103,000
Mason, Washington 37 $ 5,175,000 $ 139,864 $ 81,000
Madison, New York 36 $ 4,630,000 $ 128,611 $ 114,000
Livingston, New York 35 $ 5,565,000 $ 159,000 $ 98,000
Summit, Utah 35 $ 16,765,000 $ 479,000 $ 429,000
Weld, Colorado 34 $ 6,050,000 $ 177,941 $ 175,000
Morgan, Indiana 34 $ 5,080,000 $ 149,411 $ 99,000
Bingham, Idaho 33 $ 5,445,000 $ 165,000 $ 142,000
Benton, Washington 33 $ 8,165,000 $ 247,424 $ 179,000
Summit, Colorado 32 $ 20,100,000 $ 628,125 $ 381,000
Cattaraugus, New York 32 $ 4,130,000 $ 129,062 $ 137,000
Hancock, Ohio 32 $ 3,930,000 $ 122,812 $ 114,000
Clark, Nevada 31 $ 13,945,000 $ 449,838 $ 353,000
Franklin, New York 31 $ 2,265,000 $ 73,064 $ 70,000
Clark, Ohio 31 $ 3,265,000 $ 105,322 $ 77,000
Benton, Oregon 31 $ 11,975,000 $ 386,290 $ 153,000
Warren, Pennsylvania 31 $ 2,355,000 $ 75,967 $ 76,000
Lee, Florida 30 $ 11,410,000 $ 380,333 $ 242,000
Shelby, Indiana 30 $ 4,400,000 $ 146,666 $ 122,000
Nassau, New York 30 $ 18,030,000 $ 601,000 $ 285,000
Fulton, Ohio 30 $ 3,430,000 $ 114,333 $ 69,000
Collier, Florida 29 $ 26,115,000 $ 900,517 $ 449,000
Twin Falls, Idaho 29 $ 4,285,000 $ 147,758 $ 130,000
Somerset, Maine 29 $ 3,525,000 $ 121,551 $ 73,000
Deschutes, Oregon 29 $ 17,705,000 $ 610,517 $ 488,000
Philadelphia, Pennsylvania 29 $ 8,075,000 $ 278,448 $ 124,000
Island, Washington 29 $ 8,945,000 $ 308,448 $ 194,000
Stevens, Washington 29 $ 5,515,000 $ 190,172 $ 93,000
Palm Beach, Florida 28 $ 14,190,000 $ 506,785 $ 280,000
Boone, Indiana 28 $ 3,300,000 $ 117,857 $ 107,000
Greene, Ohio 28 $ 4,590,000 $ 163,928 $ 124,000
Polk, Oregon 28 $ 4,580,000 $ 163,571 $ 105,000
Tooele, Utah 28 $ 4,300,000 $ 153,571 $ 93,000
Skagit, Washington 28 $ 5,860,000 $ 209,285 $ 170,000
Oxford, Maine 26 $ 4,380,000 $ 168,461 $ 99,000
Sullivan, New York 26 $ 3,840,000 $ 147,692 $ 90,000
Ottawa, Ohio 26 $ 4,140,000 $ 159,230 $ 173,000
Trumbull, Ohio 26 $ 1,780,000 $ 68,461 $ 72,000
Grant, Washington 26 $ 5,500,000 $ 211,538 $ 173,000
Chelan, Washington 25 $ 9,935,000 $ 397,400 $ 433,000
Bannock, Idaho 24 $ 5,860,000 $ 244,166 $ 115,000
Grays Harbor, Washington 24 $ 5,530,000 $ 230,416 $ 172,000
Orange, California 23 $ 19,215,000 $ 835,434 $ 371,000
Waldo, Maine 23 $ 3,185,000 $ 138,478 $ 89,000
Sandusky, Ohio 23 $ 2,465,000 $ 107,173 $ 75,000
Hillsborough, Florida 22 $ 20,240,000 $ 920,000 $ 307,000
Washington, Utah 22 $ 20,760,000 $ 943,636 $ 619,000
Addison, Vermont 22 $ 2,910,000 $ 132,272 $ 85,000
Warren, New York 21 $ 4,015,000 $ 191,190 $ 161,000
Licking, Ohio 21 $ 4,835,000 $ 230,238 $ 159,000
Franklin, Vermont 21 $ 2,035,000 $ 96,904 $ 82,000
Los Angeles, California 20 $ 51,850,000 $ 2,592,500 $ 280,000
Kosciusko, Indiana 20 $ 2,460,000 $ 123,000 $ 88,000
Starke, Indiana 20 $ 1,550,000 $ 77,500 $ 58,000
Sagadahoc, Maine 20 $ 3,160,000 $ 158,000 $ 92,000
Lewis, New York 20 $ 1,800,000 $ 90,000 $ 131,000
Queens, New York 20 $ 6,820,000 $ 341,000 $ 156,000
Fairfield, Ohio 20 $ 3,660,000 $ 183,000 $ 86,000
Otsego, New York 19 $ 2,035,000 $ 107,105 $ 79,000
Schoharie, New York 19 $ 3,175,000 $ 167,105 $ 120,000
Marshall, Indiana 18 $ 1,940,000 $ 107,777 $ 63,000
Hancock, Maine 18 $ 3,100,000 $ 172,222 $ 244,000
Bergen, New Jersey 18 $ 6,690,000 $ 371,666 $ 214,000
Wyoming, New York 18 $ 2,280,000 $ 126,666 $ 85,000
Broomfield, Colorado 17 $ 7,825,000 $ 460,294 $ 209,000
Columbiana, Ohio 17 $ 1,445,000 $ 85,000 $ 56,000
Northampton, Pennsylvania 17 $ 2,175,000 $ 127,941 $ 85,000
Cache, Utah 17 $ 4,405,000 $ 259,117 $ 185,000
Ketchikan Gateway, Alaska 16 $ 3,210,000 $ 200,625 $ 146,000
Pinellas, Florida 16 $ 8,370,000 $ 523,125 $ 478,000
Jefferson, Idaho 16 $ 3,600,000 $ 225,000 $ 120,000
Knox, Maine 16 $ 2,480,000 $ 155,000 $ 90,000
Monmouth, New Jersey 16 $ 9,440,000 $ 590,000 $ 271,000
Butler, Pennsylvania 16 $ 2,760,000 $ 172,500 $ 97,000
Charleston, South Carolina 16 $ 6,370,000 $ 398,125 $ 392,000
Wasatch, Utah 16 $ 12,910,000 $ 806,875 $ 718,000
Klickitat, Washington 16 $ 2,600,000 $ 162,500 $ 97,000
Spokane, Washington 16 $ 7,680,000 $ 480,000 $ 235,000
New London, Connecticut 15 $ 1,955,000 $ 130,333 $ 134,000
Miami-Dade, Florida 15 $ 8,335,000 $ 555,666 $ 1,173,000
Sarasota, Florida 15 $ 7,695,000 $ 513,000 $ 268,000
Steuben, Indiana 15 $ 1,945,000 $ 129,666 $ 97,000
Ontario, New York 15 $ 4,555,000 $ 303,666 $ 200,000
Suffolk, New York 15 $ 7,275,000 $ 485,000 $ 302,000
Wasco, Oregon 15 $ 3,035,000 $ 202,333 $ 128,000
Pacific, Washington 15 $ 2,515,000 $ 167,666 $ 83,000
San Juan, Washington 15 $ 2,415,000 $ 161,000 $ 113,000
Kodiak Island, Alaska 14 $ 1,390,000 $ 99,285 $ 78,000
San Diego, California 14 $ 9,420,000 $ 672,857 $ 249,000
Manatee, Florida 14 $ 6,510,000 $ 465,000 $ 368,000
Gem, Idaho 14 $ 2,340,000 $ 167,142 $ 108,000
Cook, Illinois 14 $ 5,340,000 $ 381,428 $ 760,000
Middlesex, Massachusetts 14 $ 12,000,000 $ 857,142 $ 323,000
Livingston, Michigan 14 $ 1,940,000 $ 138,571 $ 108,000
Tompkins, New York 14 $ 3,020,000 $ 215,714 $ 129,000
Dare, North Carolina 14 $ 9,330,000 $ 666,428 $ 393,000
Defiance, Ohio 14 $ 2,100,000 $ 150,000 $ 71,000
Seneca, Ohio 14 $ 1,170,000 $ 83,571 $ 60,000
Monroe, Pennsylvania 14 $ 1,590,000 $ 113,571 $ 111,000
Macomb, Michigan 13 $ 1,465,000 $ 112,692 $ 87,000
Herkimer, New York 13 $ 1,915,000 $ 147,307 $ 89,000
Box Elder, Utah 13 $ 1,695,000 $ 130,384 $ 102,000
Juneau, Alaska 12 $ 1,870,000 $ 155,833 $ 95,000
Pima, Arizona 12 $ 5,710,000 $ 475,833 $ 270,000
Pasco, Florida 12 $ 4,520,000 $ 376,666 $ 146,000
Madison, Idaho 12 $ 3,210,000 $ 267,500 $ 147,000
Valley, Idaho 12 $ 6,210,000 $ 517,500 $ 490,000
Bronx, New York 12 $ 7,320,000 $ 610,000 $ 98,000
Kings, New York 12 $ 6,100,000 $ 508,333 $ 218,000
New York, New York 12 $ 10,680,000 $ 890,000 $ 850,000
Wayne, Ohio 12 $ 1,630,000 $ 135,833 $ 129,000
Lincoln, Oregon 12 $ 2,290,000 $ 190,833 $ 139,000
Tillamook, Oregon 12 $ 4,410,000 $ 367,500 $ 259,000
Franklin, Washington 12 $ 3,540,000 $ 295,000 $ 186,000
Kittitas, Washington 12 $ 4,810,000 $ 400,833 $ 275,000
Aleutians West, Alaska 11 $ 4,395,000 $ 399,545 $ 151,000
Broward, Florida 11 $ 6,065,000 $ 551,363 $ 931,000
Teton, Idaho 11 $ 2,105,000 $ 191,363 $ 98,000
Franklin, Maine 11 $ 1,585,000 $ 144,090 $ 161,000
Ocean, New Jersey 11 $ 3,585,000 $ 325,909 $ 899,000
Essex, New York 11 $ 2,335,000 $ 212,272 $ 203,000
Delaware, Pennsylvania 11 $ 3,185,000 $ 289,545 $ 158,000
Beaufort, South Carolina 11 $ 8,135,000 $ 739,545 $ 476,000
Riverside, California 10 $ 4,680,000 $ 468,000 $ 285,000
Charlotte, Florida 10 $ 3,060,000 $ 306,000 $ 189,000
Hancock, Indiana 10 $ 1,550,000 $ 155,000 $ 151,000
Kenton, Kentucky 10 $ 1,790,000 $ 179,000 $ 174,000
Jackson, Michigan 10 $ 1,320,000 $ 132,000 $ 81,000
Jackson, Missouri 10 $ 1,710,000 $ 171,000 $ 215,000
Allegany, New York 10 $ 1,120,000 $ 112,000 $ 79,000
Mecklenburg, North Carolina 10 $ 5,170,000 $ 517,000 $ 240,000
Josephine, Oregon 10 $ 2,540,000 $ 254,000 $ 128,000
Horry, South Carolina 10 $ 2,970,000 $ 297,000 $ 205,000
Davidson, Tennessee 10 $ 6,370,000 $ 637,000 $ 182,000
Windham, Vermont 10 $ 2,260,000 $ 226,000 $ 96,000
Cowlitz, Washington 10 $ 10,850,000 $ 1,085,000 $ 98,000
Payette, Idaho 9 $ 655,000 $ 72,777 $ 74,000
Suffolk, Massachusetts 9 $ 8,245,000 $ 916,111 $ 358,000
Berrien, Michigan 9 $ 1,475,000 $ 163,888 $ 86,000
Delaware, New York 9 $ 1,145,000 $ 127,222 $ 123,000
Brown, Ohio 9 $ 945,000 $ 105,000 $ 74,000
Pickaway, Ohio 9 $ 915,000 $ 101,666 $ 143,000
Beaver, Pennsylvania 9 $ 1,095,000 $ 121,666 $ 70,000
Morgan, Utah 9 $ 5,045,000 $ 560,555 $ 361,000
Douglas, Washington 9 $ 2,555,000 $ 283,888 $ 199,000
Alachua, Florida 8 $ 3,040,000 $ 380,000 $ 388,000
Fulton, Georgia 8 $ 3,650,000 $ 456,250 $ 310,000
Dearborn, Indiana 8 $ 490,000 $ 61,250 $ 52,000
Delaware, Indiana 8 $ 1,040,000 $ 130,000 $ 85,000
Lincoln, Maine 8 $ 1,580,000 $ 197,500 $ 133,000
Cass, Michigan 8 $ 920,000 $ 115,000 $ 279,000
Chemung, New York 8 $ 570,000 $ 71,250 $ 74,000
Currituck, North Carolina 8 $ 8,240,000 $ 1,030,000 $ 452,000
Henry, Ohio 8 $ 1,180,000 $ 147,500 $ 93,000
Tuscarawas, Ohio 8 $ 1,190,000 $ 148,750 $ 82,000
Travis, Texas 8 $ 3,950,000 $ 493,750 $ 222,000
Rutland, Vermont 8 $ 1,070,000 $ 133,750 $ 147,000
Washington, Vermont 8 $ 3,050,000 $ 381,250 $ 177,000
Santa Clara, California 7 $ 6,385,000 $ 912,142 $ 452,000
Elbert, Colorado 7 $ 2,705,000 $ 386,428 $ 145,000
Brevard, Florida 7 $ 3,385,000 $ 483,571 $ 201,000
Duval, Florida 7 $ 15,745,000 $ 2,249,285 $ 359,000
Seminole, Florida 7 $ 3,035,000 $ 433,571 $ 567,000
Walton, Florida 7 $ 4,935,000 $ 705,000 $ 1,101,000
Minidoka, Idaho 7 $ 2,635,000 $ 376,428 $ 449,000
Worcester, Massachusetts 7 $ 2,965,000 $ 423,571 $ 402,000
Hudson, New Jersey 7 $ 2,125,000 $ 303,571 $ 313,000
Madison, Ohio 7 $ 725,000 $ 103,571 $ 68,000
Coos, Oregon 7 $ 2,265,000 $ 323,571 $ 257,000
Schuylkill, Pennsylvania 7 $ 575,000 $ 82,142 $ 114,000
Harris, Texas 7 $ 4,645,000 $ 663,571 $ 325,000
Lincoln, Washington 7 $ 605,000 $ 86,428 $ 87,000
Pinal, Arizona 6 $ 1,340,000 $ 223,333 $ 106,000
San Bernardino, California 6 $ 3,190,000 $ 531,666 $ 263,000
Grand, Colorado 6 $ 3,930,000 $ 655,000 $ 409,000
Pueblo, Colorado 6 $ 1,740,000 $ 290,000 $ 474,000
Litchfield, Connecticut 6 $ 910,000 $ 151,666 $ 87,000
District of Columbia, District Of Columbia 6 $ 5,050,000 $ 841,666 $ 514,000
Marion, Florida 6 $ 1,640,000 $ 273,333 $ 133,000
Orange, Florida 6 $ 2,810,000 $ 468,333 $ 239,000
Elmore, Idaho 6 $ 830,000 $ 138,333 $ 291,000
Allen, Indiana 6 $ 1,090,000 $ 181,666 $ 86,000
Pulaski, Indiana 6 $ 520,000 $ 86,666 $ 54,000
Campbell, Kentucky 6 $ 600,000 $ 100,000 $ 121,000
Howard, Maryland 6 $ 2,880,000 $ 480,000 $ 209,000
Hillsdale, Michigan 6 $ 590,000 $ 98,333 $ 39,000
Washoe, Nevada 6 $ 3,680,000 $ 613,333 $ 319,000
Chenango, New York 6 $ 710,000 $ 118,333 $ 137,000
Hamilton, New York 6 $ 1,070,000 $ 178,333 $ 215,000
Washington, New York 6 $ 850,000 $ 141,666 $ 138,000
Morrow, Ohio 6 $ 630,000 $ 105,000 $ 99,000
Preble, Ohio 6 $ 1,030,000 $ 171,666 $ 77,000
Denton, Texas 6 $ 4,170,000 $ 695,000 $ 238,000
Fort Bend, Texas 6 $ 38,970,000 $ 6,495,000 $ 292,000
Williamson, Texas 6 $ 3,900,000 $ 650,000 $ 233,000
Clear Creek, Colorado 5 $ 2,195,000 $ 439,000 $ 201,000
Mesa, Colorado 5 $ 1,085,000 $ 217,000 $ 237,000
Park, Colorado 5 $ 1,755,000 $ 351,000 $ 297,000
St. Johns, Florida 5 $ 2,855,000 $ 571,000 $ 418,000
Honolulu, Hawaii 5 $ 4,305,000 $ 861,000 $ 251,000
Blaine, Idaho 5 $ 625,000 $ 125,000 $ 83,000
Bonner, Idaho 5 $ 2,645,000 $ 529,000 $ 189,000
Kootenai, Idaho 5 $ 1,435,000 $ 287,000 $ 259,000
Barnstable, Massachusetts 5 $ 4,365,000 $ 873,000 $ 220,000
Berkshire, Massachusetts 5 $ 6,755,000 $ 1,351,000 $ 587,000
Grand Traverse, Michigan 5 $ 5,725,000 $ 1,145,000 $ 2,156,000
Kent, Michigan 5 $ 1,455,000 $ 291,000 $ 144,000
Ottawa, Michigan 5 $ 1,215,000 $ 243,000 $ 168,000
St. Joseph, Michigan 5 $ 625,000 $ 125,000 $ 80,000
Burlington, New Jersey 5 $ 895,000 $ 179,000 $ 136,000
Middlesex, New Jersey 5 $ 1,335,000 $ 267,000 $ 126,000
Morris, New Jersey 5 $ 1,605,000 $ 321,000 $ 177,000
Seneca, New York 5 $ 445,000 $ 89,000 $ 79,000
Union, Ohio 5 $ 1,295,000 $ 259,000 $ 177,000
Clatsop, Oregon 5 $ 695,000 $ 139,000 $ 119,000
Crawford, Pennsylvania 5 $ 595,000 $ 119,000 $ 52,000
Williamson, Tennessee 5 $ 2,965,000 $ 593,000 $ 958,000
Tarrant, Texas 5 $ 1,335,000 $ 267,000 $ 136,000
Sacramento, California 4 $ 1,850,000 $ 462,500 $ 332,000
San Francisco, California 4 $ 5,320,000 $ 1,330,000 $ 943,000
San Mateo, California 4 $ 6,360,000 $ 1,590,000 $ 819,000
Sonoma, California 4 $ 3,360,000 $ 840,000 $ 212,000
Eagle, Colorado 4 $ 1,980,000 $ 495,000 $ 228,000
La Plata, Colorado 4 $ 2,150,000 $ 537,500 $ 449,000
Indian River, Florida 4 $ 1,760,000 $ 440,000 $ 242,000
Osceola, Florida 4 $ 710,000 $ 177,500 $ 212,000
Polk, Florida 4 $ 1,520,000 $ 380,000 $ 150,000
St. Lucie, Florida 4 $ 2,230,000 $ 557,500 $ 257,000
Sumter, Florida 4 $ 810,000 $ 202,500 $ 186,000
Gwinnett, Georgia 4 $ 1,680,000 $ 420,000 $ 177,000
Hawaii, Hawaii 4 $ 6,470,000 $ 1,617,500 $ 756,000
Kauai, Hawaii 4 $ 1,940,000 $ 485,000 $ 629,000
Washington, Idaho 4 $ 570,000 $ 142,500 $ 123,000
Bartholomew, Indiana 4 $ 800,000 $ 200,000 $ 128,000
Lake, Indiana 4 $ 1,730,000 $ 432,500 $ 269,000
Monroe, Indiana 4 $ 740,000 $ 185,000 $ 287,000
Owen, Indiana 4 $ 2,150,000 $ 537,500 $ 389,000
Boone, Kentucky 4 $ 640,000 $ 160,000 $ 127,000
Piscataquis, Maine 4 $ 470,000 $ 117,500 $ 55,000
Montgomery, Maryland 4 $ 3,130,000 $ 782,500 $ 262,000
Dukes, Massachusetts 4 $ 1,530,000 $ 382,500 $ 142,000
Genesee, Michigan 4 $ 470,000 $ 117,500 $ 88,000
Ingham, Michigan 4 $ 790,000 $ 197,500 $ 95,000
St. Louis, Missouri 4 $ 730,000 $ 182,500 $ 150,000
Cape May, New Jersey 4 $ 1,180,000 $ 295,000 $ 184,000
Essex, New Jersey 4 $ 99,150,000 $ 24,787,500 $ 227,000
Richmond, New York 4 $ 1,410,000 $ 352,500 $ 149,000
Buncombe, North Carolina 4 $ 1,660,000 $ 415,000 $ 143,000
Cumberland, North Carolina 4 $ 1,090,000 $ 272,500 $ 233,000
Union, North Carolina 4 $ 2,520,000 $ 630,000 $ 172,000
Clinton, Ohio 4 $ 450,000 $ 112,500 $ 138,000
Knox, Ohio 4 $ 320,000 $ 80,000 $ 81,000
Columbia, Oregon 4 $ 620,000 $ 155,000 $ 87,000
Crook, Oregon 4 $ 800,000 $ 200,000 $ 214,000
Douglas, Oregon 4 $ 1,570,000 $ 392,500 $ 174,000
Cumberland, Pennsylvania 4 $ 1,280,000 $ 320,000 $ 231,000
Lancaster, Pennsylvania 4 $ 1,110,000 $ 277,500 $ 148,000
Venango, Pennsylvania 4 $ 470,000 $ 117,500 $ 94,000
Bexar, Texas 4 $ 1,400,000 $ 350,000 $ 227,000
Collin, Texas 4 $ 1,900,000 $ 475,000 $ 306,000
Dallas, Texas 4 $ 2,360,000 $ 590,000 $ 191,000
Lamoille, Vermont 4 $ 1,030,000 $ 257,500 $ 191,000
Windsor, Vermont 4 $ 1,280,000 $ 320,000 $ 280,000
Fairfax, Virginia 4 $ 5,170,000 $ 1,292,500 $ 381,000
Virginia Beach, Virginia 4 $ 1,270,000 $ 317,500 $ 230,000
Jefferson, Washington 4 $ 800,000 $ 200,000 $ 154,000
Laramie, Wyoming 4 $ 1,970,000 $ 492,500 $ 183,000
Fresno, California 3 $ 26,585,000 $ 8,861,666 $ 1,744,000
Placer, California 3 $ 2,545,000 $ 848,333 $ 331,000
Delta, Colorado 3 $ 265,000 $ 88,333 $ 92,000
Garfield, Colorado 3 $ 1,695,000 $ 565,000 $ 209,000
Gilpin, Colorado 3 $ 785,000 $ 261,666 $ 92,000
Logan, Colorado 3 $ 165,000 $ 55,000 $ 50,000
Morgan, Colorado 3 $ 375,000 $ 125,000 $ 255,000
Routt, Colorado 3 $ 1,075,000 $ 358,333 $ 370,000
New Castle, Delaware 3 $ 1,285,000 $ 428,333 $ 285,000
Sussex, Delaware 3 $ 785,000 $ 261,666 $ 317,000
Chatham, Georgia 3 $ 1,325,000 $ 441,666 $ 380,000
Cassia, Idaho 3 $ 225,000 $ 75,000 $ 44,000
Fremont, Idaho 3 $ 635,000 $ 211,666 $ 135,000
Gooding, Idaho 3 $ 315,000 $ 105,000 $ 91,000
Owyhee, Idaho 3 $ 445,000 $ 148,333 $ 69,000
St. Clair, Illinois 3 $ 135,000 $ 45,000 $ 91,000
Cass, Indiana 3 $ 425,000 $ 141,666 $ 112,000
Franklin, Indiana 3 $ 635,000 $ 211,666 $ 52,000
Fulton, Indiana 3 $ 175,000 $ 58,333 $ 46,000
Jasper, Indiana 3 $ 165,000 $ 55,000 $ 31,000
LaGrange, Indiana 3 $ 335,000 $ 111,666 $ 66,000
Tipton, Indiana 3 $ 175,000 $ 58,333 $ 72,000
Vanderburgh, Indiana 3 $ 765,000 $ 255,000 $ 136,000
Whitley, Indiana 3 $ 485,000 $ 161,666 $ 66,000
Orleans, Louisiana 3 $ 1,165,000 $ 388,333 $ 87,000
Franklin, Massachusetts 3 $ 165,000 $ 55,000 $ 95,000
Norfolk, Massachusetts 3 $ 2,165,000 $ 721,666 $ 237,000
Plymouth, Massachusetts 3 $ 845,000 $ 281,666 $ 298,000
Emmet, Michigan 3 $ 1,735,000 $ 578,333 $ 300,000
Kalamazoo, Michigan 3 $ 495,000 $ 165,000 $ 178,000
Lewis and Clark, Montana 3 $ 945,000 $ 315,000 $ 136,000
Atlantic, New Jersey 3 $ 415,000 $ 138,333 $ 275,000
Passaic, New Jersey 3 $ 425,000 $ 141,666 $ 172,000
Somerset, New Jersey 3 $ 1,815,000 $ 605,000 $ 235,000
Union, New Jersey 3 $ 1,325,000 $ 441,666 $ 445,000
Bernalillo, New Mexico 3 $ 2,115,000 $ 705,000 $ 332,000
Tioga, New York 3 $ 435,000 $ 145,000 $ 74,000
Yates, New York 3 $ 565,000 $ 188,333 $ 274,000
Brunswick, North Carolina 3 $ 505,000 $ 168,333 $ 146,000
Guilford, North Carolina 3 $ 515,000 $ 171,666 $ 46,000
Moore, North Carolina 3 $ 585,000 $ 195,000 $ 104,000
Champaign, Ohio 3 $ 535,000 $ 178,333 $ 78,000
Hardin, Ohio 3 $ 465,000 $ 155,000 $ 101,000
Miami, Ohio 3 $ 155,000 $ 51,666 $ 60,000
Noble, Ohio 3 $ 185,000 $ 61,666 $ 249,000
Jefferson, Oregon 3 $ 605,000 $ 201,666 $ 413,000
Malheur, Oregon 3 $ 665,000 $ 221,666 $ 153,000
Dauphin, Pennsylvania 3 $ 875,000 $ 291,666 $ 116,000
Lawrence, Pennsylvania 3 $ 355,000 $ 118,333 $ 51,000
Luzerne, Pennsylvania 3 $ 625,000 $ 208,333 $ 188,000
Mercer, Pennsylvania 3 $ 605,000 $ 201,666 $ 82,000
Providence, Rhode Island 3 $ 1,365,000 $ 455,000 $ 330,000
Dorchester, South Carolina 3 $ 735,000 $ 245,000 $ 76,000
Jefferson, Tennessee 3 $ 1,185,000 $ 395,000 $ 141,000
Sumner, Tennessee 3 $ 755,000 $ 251,666 $ 112,000
Hidalgo, Texas 3 $ 455,000 $ 151,666 $ 275,000
Montgomery, Texas 3 $ 1,415,000 $ 471,666 $ 273,000
Bennington, Vermont 3 $ 945,000 $ 315,000 $ 170,000
Orange, Vermont 3 $ 335,000 $ 111,666 $ 56,000
Skamania, Washington 3 $ 1,125,000 $ 375,000 $ 234,000
Dane, Wisconsin 3 $ 2,575,000 $ 858,333 $ 793,000
Mohave, Arizona 2 $ 1,090,000 $ 545,000 $ 272,000
Pulaski, Arkansas 2 $ 790,000 $ 395,000 $ 222,000
Butte, California 2 $ 8,270,000 $ 4,135,000 $ 240,000
Marin, California 2 $ 970,000 $ 485,000 $ 833,000
Napa, California 2 $ 1,620,000 $ 810,000 $ 141,000
Nevada, California 2 $ 1,560,000 $ 780,000 $ 419,000
San Joaquin, California 2 $ 1,740,000 $ 870,000 $ 253,000
Ventura, California 2 $ 700,000 $ 350,000 $ 128,000
Gunnison, Colorado 2 $ 110,000 $ 55,000 $ 59,000
Lake, Colorado 2 $ 340,000 $ 170,000 $ 115,000
Saguache, Colorado 2 $ 580,000 $ 290,000 $ 186,000
San Miguel, Colorado 2 $ 1,140,000 $ 570,000 $ 410,000
Bay, Florida 2 $ 410,000 $ 205,000 $ 102,000
Martin, Florida 2 $ 2,180,000 $ 1,090,000 $ 2,415,000
Monroe, Florida 2 $ 5,510,000 $ 2,755,000 $ 854,000
Santa Rosa, Florida 2 $ 2,270,000 $ 1,135,000 $ 272,000
Volusia, Florida 2 $ 710,000 $ 355,000 $ 173,000
Camden, Georgia 2 $ 800,000 $ 400,000 $ 176,000
Columbia, Georgia 2 $ 360,000 $ 180,000 $ 72,000
Houston, Georgia 2 $ 850,000 $ 425,000 $ 84,000
Thomas, Georgia 2 $ 30,170,000 $ 15,085,000 $ 0
Walton, Georgia 2 $ 590,000 $ 295,000 $ 60,000
Maui, Hawaii 2 $ 1,740,000 $ 870,000 $ 315,000
Adams, Idaho 2 $ 610,000 $ 305,000 $ 219,000
Butte, Idaho 2 $ 130,000 $ 65,000 $ 89,000
Jerome, Idaho 2 $ 500,000 $ 250,000 $ 142,000
Adams, Illinois 2 $ 310,000 $ 155,000 $ 86,000
Decatur, Indiana 2 $ 130,000 $ 65,000 $ 30,000
Henry, Indiana 2 $ 380,000 $ 190,000 $ 73,000
LaPorte, Indiana 2 $ 360,000 $ 180,000 $ 74,000
Porter, Indiana 2 $ 860,000 $ 430,000 $ 181,000
Douglas, Kansas 2 $ 580,000 $ 290,000 $ 275,000
Johnson, Kansas 2 $ 1,230,000 $ 615,000 $ 300,000
Pike, Kentucky 2 $ 370,000 $ 185,000 $ 60,000
Baltimore, Maryland 2 $ 1,450,000 $ 725,000 $ 275,000
Frederick, Maryland 2 $ 1,280,000 $ 640,000 $ 454,000
Bristol, Massachusetts 2 $ 1,240,000 $ 620,000 $ 254,000
Essex, Massachusetts 2 $ 1,150,000 $ 575,000 $ 269,000
Hampshire, Massachusetts 2 $ 140,000 $ 70,000 $ 69,000
Calhoun, Michigan 2 $ 550,000 $ 275,000 $ 184,000
Crawford, Michigan 2 $ 310,000 $ 155,000 $ 89,000
Eaton, Michigan 2 $ 370,000 $ 185,000 $ 107,000
Iosco, Michigan 2 $ 210,000 $ 105,000 $ 152,000
Van Buren, Michigan 2 $ 200,000 $ 100,000 $ 22,000
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Mortgage Loan Application Detail Totals for Keybank National Association in 2023

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 Purchase 6,750 $2,993,040,000 $443,000 $98,005,000 $189,000 $7,678,000
Other Purpose 6,037 $836,185,000 $138,000 $3,505,000 $147,000 $7,836,000
Home Improvement 5,034 $568,420,000 $112,000 $32,135,000 $127,000 $6,171,000
Refinancing 3,890 $748,720,000 $192,000 $29,085,000 $128,000 $4,341,000
Cash-out Refinancing 1,566 $367,310,000 $234,000 $3,505,000 $107,000 $4,582,000
Not Applicable 28 $2,430,000 $86,000 $695,000 $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 16,207 $3,164,995,000 $195,000 $4,005,000 $149,000 $7,836,000
Not Provided 2,963 $706,005,000 $238,000 $5,505,000 $158,000 $7,678,000
Black or African American 1,343 $183,705,000 $136,000 $1,925,000 $99,000 $4,582,000
Asian 1,163 $513,075,000 $441,000 $2,135,000 $200,000 $2,421,000
Hispanic 1,034 $192,780,000 $186,000 $1,335,000 $112,000 $1,725,000
American Indian or Alaskan Native 136 $25,480,000 $187,000 $855,000 $110,000 $1,047,000
Not applicable 94 $592,430,000 $6,302,000 $98,005,000 $0 $0
Native Hawaiian or Other Pacific Islander 29 $7,015,000 $241,000 $705,000 $115,000 $345,000

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) 22,232 $5,283,240,000 $237,000 $98,005,000 $152,000 $7,836,000
FHA-insured (Federal Housing Administration) 945 $198,765,000 $210,000 $935,000 $75,000 $2,968,000
VA-guaranteed (Veterans Administration) 128 $34,100,000 $266,000 $875,000 $91,000 $398,000
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 11,856 $2,948,800,000 $248,000 $32,135,000 $164,000 $7,836,000
Application Denied By Financial Institution 7,132 $1,366,660,000 $191,000 $98,005,000 $116,000 $6,171,000
Application Withdrawn By Applicant 2,332 $889,560,000 $381,000 $51,055,000 $170,000 $7,592,000
File Closed For Incompleteness 1,596 $253,520,000 $158,000 $2,085,000 $151,000 $4,214,000
Application Approved But Not Accepted 328 $47,640,000 $145,000 $1,885,000 $156,000 $3,016,000
Loan Purchased By The Institution 61 $9,925,000 $162,000 $695,000 $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
Not applicable 16,173 $4,149,445,000 $256,000 $51,055,000 $163,000 $7,836,000
Credit History 2,462 $235,780,000 $95,000 $4,005,000 $103,000 $2,921,000
Debt-To-Income Ratio 1,760 $339,790,000 $193,000 $2,505,000 $74,000 $1,141,000
Credit Application Incomplete 1,528 $390,040,000 $255,000 $3,505,000 $149,000 $4,788,000
Collateral 704 $127,940,000 $181,000 $7,225,000 $165,000 $5,796,000
Other 516 $245,240,000 $475,000 $98,005,000 $160,000 $6,171,000
Unverifiable Information 98 $13,560,000 $138,000 $1,105,000 $182,000 $2,880,000
Insufficient Cash (Downpayment, Closing Cost) 41 $10,245,000 $249,000 $2,505,000 $101,000 $998,000
Employment History 23 $4,065,000 $176,000 $855,000 $34,000 $155,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank National Association's 2023 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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