Keybank USA, N.A. Mortgage Lending & HMDA Data, 2003

In 2003, Keybank USA, N.A. of Cleveland, OH reported 199,908 mortgage applications totaling $17.2 billion. The average application was for $86,216, and applicants reported an average income of $58,613. 23% of its applications resulted in an originated loan and 32% were denied. Its largest markets were New York, NY (9,481), Nassau-Suffolk, NY (8,271) and Boston, MA-NH (6,051) (applications in parentheses).

Mortgage Company & Address Keybank USA, N.A.
127 Public Square
Cleveland, OH 44114
Federal Regulator * available with data download
Years 2003  
Total Number of Mortgage Applications 199,908
Total Mortgage Loan Application Amount $17,235,452,000
Average Mortgage Loan Application Amount $86,216
Highest Mortgage Loan Application Amount $5,300,000
Average Applicant Income $58,613
Highest Applicant Income $4,694,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keybank USA, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 USA, N.A. by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 5,250 $ 680,637,000 $ 129,645 $ 72,000
Maricopa, Arizona 3,932 $ 154,455,000 $ 39,281 $ 58,000
Los Angeles, California 3,092 $ 297,139,000 $ 96,099 $ 74,000
Nassau, New York 3,021 $ 501,520,000 $ 166,011 $ 86,000
Queens, New York 2,542 $ 389,730,000 $ 153,316 $ 67,000
Ocean, New Jersey 2,534 $ 250,425,000 $ 98,825 $ 66,000
Middlesex, Massachusetts 2,433 $ 357,844,000 $ 147,079 $ 69,000
Middlesex, New Jersey 2,397 $ 281,466,000 $ 117,424 $ 65,000
Worcester, Massachusetts 2,118 $ 229,266,000 $ 108,246 $ 58,000
Monmouth, New Jersey 2,087 $ 275,995,000 $ 132,244 $ 72,000
Cook, Illinois 2,078 $ 87,873,000 $ 42,287 $ 52,000
Philadelphia, Pennsylvania 1,967 $ 89,529,000 $ 45,515 $ 52,000
New Haven, Connecticut 1,895 $ 168,510,000 $ 88,923 $ 55,000
Riverside, California 1,826 $ 130,620,000 $ 71,533 $ 74,000
Kings, New York 1,826 $ 305,681,000 $ 167,404 $ 64,000
Bergen, New Jersey 1,815 $ 288,794,000 $ 159,115 $ 88,000
Hartford, Connecticut 1,766 $ 156,454,000 $ 88,592 $ 57,000
Essex, New Jersey 1,720 $ 224,222,000 $ 130,361 $ 70,000
Plymouth, Massachusetts 1,677 $ 208,335,000 $ 124,230 $ 60,000
San Bernardino, California 1,632 $ 101,175,000 $ 61,994 $ 66,000
Fairfield, Connecticut 1,613 $ 226,156,000 $ 140,208 $ 79,000
Orange, New York 1,571 $ 184,365,000 $ 117,355 $ 64,000
Essex, Massachusetts 1,511 $ 199,110,000 $ 131,773 $ 63,000
Westchester, New York 1,498 $ 288,608,000 $ 192,662 $ 86,000
Providence, Rhode Island 1,489 $ 145,966,000 $ 98,029 $ 47,000
Richmond, New York 1,459 $ 214,942,000 $ 147,321 $ 71,000
Wayne, Michigan 1,380 $ 37,853,000 $ 27,429 $ 59,000
Norfolk, Massachusetts 1,343 $ 193,125,000 $ 143,801 $ 75,000
Union, New Jersey 1,322 $ 166,933,000 $ 126,273 $ 69,000
Morris, New Jersey 1,292 $ 202,983,000 $ 157,107 $ 81,000
Camden, New Jersey 1,237 $ 77,252,000 $ 62,451 $ 54,000
Bristol, Massachusetts 1,234 $ 143,359,000 $ 116,174 $ 61,000
Broward, Florida 1,217 $ 102,520,000 $ 84,239 $ 60,000
Burlington, New Jersey 1,197 $ 93,208,000 $ 77,868 $ 64,000
Allegheny, Pennsylvania 1,111 $ 64,590,000 $ 58,136 $ 54,000
Prince George's, Maryland 1,086 $ 82,773,000 $ 76,218 $ 70,000
Contra Costa, California 1,050 $ 154,025,000 $ 146,690 $ 74,000
Hillsborough, New Hampshire 1,048 $ 117,825,000 $ 112,428 $ 61,000
Miami-Dade, Florida 1,047 $ 79,414,000 $ 75,849 $ 56,000
Orange, California 1,040 $ 136,036,000 $ 130,803 $ 86,000
Sacramento, California 1,020 $ 68,391,000 $ 67,050 $ 66,000
Passaic, New Jersey 1,019 $ 126,146,000 $ 123,793 $ 65,000
Rockingham, New Hampshire 991 $ 118,720,000 $ 119,798 $ 70,000
Montgomery, Pennsylvania 977 $ 95,374,000 $ 97,619 $ 64,000
Dutchess, New York 963 $ 120,804,000 $ 125,445 $ 72,000
Fairfax, Virginia 947 $ 134,475,000 $ 142,001 $ 83,000
Erie, New York 946 $ 47,598,000 $ 50,315 $ 44,000
Suffolk, Massachusetts 932 $ 135,498,000 $ 145,384 $ 68,000
San Diego, California 857 $ 112,755,000 $ 131,569 $ 74,000
New Castle, Delaware 845 $ 67,433,000 $ 79,802 $ 64,000
Duval, Florida 842 $ 56,749,000 $ 67,397 $ 50,000
Somerset, New Jersey 840 $ 124,403,000 $ 148,098 $ 84,000
Franklin, Ohio 823 $ 24,700,000 $ 30,012 $ 54,000
Hudson, New Jersey 818 $ 101,157,000 $ 123,663 $ 65,000
Rockland, New York 805 $ 128,783,000 $ 159,978 $ 89,000
Sussex, New Jersey 802 $ 92,065,000 $ 114,794 $ 69,000
Gloucester, New Jersey 800 $ 54,352,000 $ 67,940 $ 59,000
Clark, Nevada 786 $ 27,321,000 $ 34,759 $ 83,000
Multnomah, Oregon 778 $ 72,609,000 $ 93,327 $ 44,000
Bronx, New York 772 $ 117,909,000 $ 152,731 $ 63,000
Orange, Florida 769 $ 52,266,000 $ 67,966 $ 53,000
Mercer, New Jersey 766 $ 68,034,000 $ 88,817 $ 62,000
Palm Beach, Florida 764 $ 66,841,000 $ 87,488 $ 65,000
Delaware, Pennsylvania 758 $ 56,720,000 $ 74,828 $ 55,000
Bucks, Pennsylvania 756 $ 81,386,000 $ 107,653 $ 78,000
Hamilton, Ohio 754 $ 31,464,000 $ 41,729 $ 55,000
Hillsborough, Florida 750 $ 49,828,000 $ 66,437 $ 59,000
Montgomery, Maryland 738 $ 98,283,000 $ 133,174 $ 89,000
Alameda, California 709 $ 121,612,000 $ 171,526 $ 74,000
Baltimore, Maryland 708 $ 52,563,000 $ 74,241 $ 75,000
Monroe, New York 680 $ 29,735,000 $ 43,727 $ 48,000
Lucas, Ohio 654 $ 24,214,000 $ 37,024 $ 50,000
San Joaquin, California 645 $ 40,481,000 $ 62,761 $ 77,000
Arapahoe, Colorado 632 $ 53,889,000 $ 85,267 $ 62,000
King, Washington 630 $ 59,913,000 $ 95,100 $ 70,000
Anne Arundel, Maryland 619 $ 57,611,000 $ 93,071 $ 69,000
Hennepin, Minnesota 610 $ 91,463,000 $ 149,939 $ 71,000
Barnstable, Massachusetts 604 $ 73,438,000 $ 121,586 $ 60,000
Kent, Rhode Island 593 $ 56,812,000 $ 95,804 $ 68,000
Solano, California 590 $ 61,095,000 $ 103,550 $ 70,000
Prince William, Virginia 588 $ 64,158,000 $ 109,112 $ 69,000
Santa Clara, California 582 $ 116,015,000 $ 199,338 $ 88,000
New London, Connecticut 581 $ 58,946,000 $ 101,456 $ 58,000
Pinellas, Florida 574 $ 39,329,000 $ 68,517 $ 50,000
Atlantic, New Jersey 570 $ 39,235,000 $ 68,833 $ 50,000
Ulster, New York 553 $ 53,094,000 $ 96,010 $ 51,000
Monroe, Pennsylvania 549 $ 41,625,000 $ 75,819 $ 64,000
Kent, Michigan 548 $ 15,658,000 $ 28,572 $ 49,000
Adams, Colorado 542 $ 42,462,000 $ 78,343 $ 49,000
Jefferson, Colorado 542 $ 55,022,000 $ 101,516 $ 61,000
Onondaga, New York 536 $ 25,030,000 $ 46,697 $ 48,000
St. Louis, Missouri 533 $ 18,128,000 $ 34,011 $ 56,000
Montgomery, Ohio 527 $ 12,182,000 $ 23,115 $ 51,000
Litchfield, Connecticut 522 $ 56,562,000 $ 108,356 $ 64,000
Virginia Beach, Virginia 515 $ 30,790,000 $ 59,786 $ 56,000
Oakland, Michigan 509 $ 21,376,000 $ 41,996 $ 74,000
Chester, Pennsylvania 506 $ 54,248,000 $ 107,209 $ 67,000
Kern, California 505 $ 30,970,000 $ 61,326 $ 54,000
Baltimore City, Maryland 505 $ 24,626,000 $ 48,764 $ 52,000
Cuyahoga, Ohio 503 $ 38,845,000 $ 77,226 $ 69,000
Hampden, Massachusetts 496 $ 30,845,000 $ 62,187 $ 54,000
Marion, Indiana 490 $ 13,258,000 $ 27,057 $ 44,000
Denver, Colorado 489 $ 45,036,000 $ 92,098 $ 50,000
Warren, New Jersey 484 $ 55,694,000 $ 115,070 $ 61,000
Northampton, Pennsylvania 458 $ 32,304,000 $ 70,532 $ 63,000
Pierce, Washington 458 $ 34,039,000 $ 74,320 $ 61,000
El Paso, Colorado 446 $ 28,980,000 $ 64,977 $ 56,000
Fresno, California 440 $ 32,650,000 $ 74,204 $ 58,000
Summit, Ohio 440 $ 27,362,000 $ 62,186 $ 51,000
Washington, Oregon 432 $ 47,726,000 $ 110,476 $ 56,000
Brevard, Florida 427 $ 28,474,000 $ 66,683 $ 57,000
Lee, Florida 417 $ 29,621,000 $ 71,033 $ 54,000
Stanislaus, California 415 $ 25,455,000 $ 61,337 $ 57,000
Pima, Arizona 411 $ 15,142,000 $ 36,841 $ 62,000
Salt Lake, Utah 400 $ 21,019,000 $ 52,547 $ 48,000
Middlesex, Connecticut 383 $ 42,032,000 $ 109,744 $ 79,000
Macomb, Michigan 383 $ 9,185,000 $ 23,981 $ 71,000
Clark, Washington 380 $ 32,179,000 $ 84,681 $ 49,000
DuPage, Illinois 378 $ 17,802,000 $ 47,095 $ 63,000
Putnam, New York 370 $ 52,509,000 $ 141,916 $ 81,000
Harris, Texas 365 $ 7,750,000 $ 21,232 $ 50,000
Berks, Pennsylvania 362 $ 21,672,000 $ 59,867 $ 42,000
Merrimack, New Hampshire 356 $ 33,524,000 $ 94,168 $ 56,000
Volusia, Florida 349 $ 21,643,000 $ 62,014 $ 48,000
Tarrant, Texas 349 $ 5,930,000 $ 16,991 $ 74,000
Ventura, California 346 $ 42,655,000 $ 123,280 $ 92,000
Jackson, Missouri 346 $ 12,885,000 $ 37,239 $ 52,000
Stark, Ohio 346 $ 18,024,000 $ 52,092 $ 47,000
Genesee, Michigan 342 $ 6,790,000 $ 19,853 $ 54,000
Will, Illinois 332 $ 23,177,000 $ 69,810 $ 57,000
San Mateo, California 331 $ 76,905,000 $ 232,341 $ 89,000
York, Pennsylvania 330 $ 18,166,000 $ 55,048 $ 48,000
Butler, Ohio 325 $ 15,834,000 $ 48,720 $ 53,000
Shelby, Tennessee 324 $ 7,452,000 $ 23,000 $ 60,000
Windham, Connecticut 322 $ 29,153,000 $ 90,537 $ 53,000
Clackamas, Oregon 321 $ 37,050,000 $ 115,420 $ 53,000
Westmoreland, Pennsylvania 318 $ 19,830,000 $ 62,358 $ 47,000
Hunterdon, New Jersey 315 $ 51,786,000 $ 164,400 $ 87,000
Seminole, Florida 312 $ 22,432,000 $ 71,897 $ 54,000
Lehigh, Pennsylvania 312 $ 19,259,000 $ 61,727 $ 55,000
Guilford, North Carolina 311 $ 26,413,000 $ 84,929 $ 67,000
Marion, Oregon 311 $ 22,445,000 $ 72,170 $ 41,000
Washington, Rhode Island 311 $ 33,903,000 $ 109,012 $ 63,000
Pasco, Florida 308 $ 18,272,000 $ 59,324 $ 51,000
Loudoun, Virginia 305 $ 45,349,000 $ 148,685 $ 90,000
Cumberland, New Jersey 304 $ 17,849,000 $ 58,713 $ 43,000
Mecklenburg, North Carolina 303 $ 16,406,000 $ 54,145 $ 60,000
Weld, Colorado 293 $ 27,979,000 $ 95,491 $ 54,000
Wake, North Carolina 293 $ 27,012,000 $ 92,191 $ 63,000
Tolland, Connecticut 292 $ 29,502,000 $ 101,034 $ 58,000
Pike, Pennsylvania 292 $ 24,531,000 $ 84,010 $ 47,000
Dakota, Minnesota 288 $ 44,523,000 $ 154,593 $ 66,000
Davidson, Tennessee 282 $ 4,836,000 $ 17,148 $ 53,000
Jefferson, Kentucky 280 $ 7,756,000 $ 27,700 $ 51,000
Strafford, New Hampshire 280 $ 28,789,000 $ 102,817 $ 52,000
Chesterfield, Virginia 278 $ 16,860,000 $ 60,647 $ 62,000
Luzerne, Pennsylvania 271 $ 17,126,000 $ 63,195 $ 52,000
Polk, Florida 264 $ 14,710,000 $ 55,719 $ 50,000
Snohomish, Washington 260 $ 22,508,000 $ 86,569 $ 65,000
Harford, Maryland 259 $ 21,455,000 $ 82,837 $ 65,000
Pinal, Arizona 258 $ 9,534,000 $ 36,953 $ 50,000
DeKalb, Georgia 256 $ 7,125,000 $ 27,832 $ 66,000
Albany, New York 254 $ 15,007,000 $ 59,082 $ 65,000
Larimer, Colorado 253 $ 31,713,000 $ 125,347 $ 54,000
Lancaster, Pennsylvania 252 $ 14,578,000 $ 57,849 $ 52,000
Howard, Maryland 245 $ 27,829,000 $ 113,587 $ 102,000
Richland, South Carolina 245 $ 12,698,000 $ 51,828 $ 48,000
Sedgwick, Kansas 243 $ 5,534,000 $ 22,773 $ 42,000
Lexington, South Carolina 239 $ 17,632,000 $ 73,774 $ 50,000
Stafford, Virginia 237 $ 22,179,000 $ 93,582 $ 79,000
Milwaukee, Wisconsin 237 $ 3,282,000 $ 13,848 $ 58,000
Ramsey, Minnesota 233 $ 30,422,000 $ 130,566 $ 60,000
Fulton, Georgia 232 $ 10,342,000 $ 44,577 $ 83,000
Frederick, Maryland 232 $ 20,502,000 $ 88,370 $ 72,000
Manatee, Florida 231 $ 16,212,000 $ 70,181 $ 62,000
Cape May, New Jersey 231 $ 23,872,000 $ 103,341 $ 68,000
Sullivan, New York 231 $ 19,010,000 $ 82,294 $ 54,000
Chesapeake, Virginia 231 $ 13,527,000 $ 58,558 $ 60,000
Sarasota, Florida 230 $ 15,193,000 $ 66,056 $ 54,000
Placer, California 228 $ 18,423,000 $ 80,802 $ 77,000
Niagara, New York 228 $ 10,952,000 $ 48,035 $ 52,000
Forsyth, North Carolina 227 $ 16,943,000 $ 74,638 $ 56,000
Anoka, Minnesota 225 $ 30,262,000 $ 134,497 $ 65,000
Cumberland, North Carolina 225 $ 7,115,000 $ 31,622 $ 56,000
Dauphin, Pennsylvania 224 $ 11,327,000 $ 50,566 $ 49,000
Allen, Indiana 223 $ 7,395,000 $ 33,161 $ 44,000
Charles, Maryland 217 $ 11,905,000 $ 54,861 $ 96,000
Osceola, Florida 216 $ 13,527,000 $ 62,625 $ 49,000
Rutherford, Tennessee 216 $ 5,443,000 $ 25,199 $ 47,000
Sonoma, California 214 $ 32,064,000 $ 149,831 $ 69,000
Tulare, California 214 $ 11,081,000 $ 51,780 $ 55,000
Henrico, Virginia 213 $ 14,036,000 $ 65,896 $ 61,000
Lake, Illinois 212 $ 12,953,000 $ 61,099 $ 70,000
Cheshire, New Hampshire 209 $ 18,507,000 $ 88,550 $ 55,000
New York, New York 209 $ 49,260,000 $ 235,693 $ 116,000
St. Clair, Illinois 208 $ 5,179,000 $ 24,899 $ 61,000
Beaver, Pennsylvania 206 $ 10,906,000 $ 52,941 $ 42,000
Washington, Pennsylvania 206 $ 12,795,000 $ 62,111 $ 51,000
St. Lucie, Florida 204 $ 14,158,000 $ 69,401 $ 50,000
Kane, Illinois 204 $ 9,613,000 $ 47,122 $ 56,000
Saratoga, New York 200 $ 15,051,000 $ 75,255 $ 61,000
Clay, Florida 198 $ 13,143,000 $ 66,378 $ 61,000
Dallas, Texas 196 $ 5,996,000 $ 30,591 $ 48,000
Douglas, Colorado 195 $ 26,692,000 $ 136,882 $ 78,000
Oneida, New York 193 $ 9,488,000 $ 49,160 $ 51,000
Schuylkill, Pennsylvania 193 $ 8,687,000 $ 45,010 $ 48,000
Knox, Tennessee 192 $ 4,114,000 $ 21,427 $ 53,000
Lorain, Ohio 191 $ 9,938,000 $ 52,031 $ 49,000
Saginaw, Michigan 189 $ 3,711,000 $ 19,634 $ 47,000
Cobb, Georgia 187 $ 6,544,000 $ 34,994 $ 59,000
Ingham, Michigan 187 $ 5,059,000 $ 27,053 $ 56,000
Douglas, Nebraska 187 $ 2,681,000 $ 14,336 $ 42,000
Belknap, New Hampshire 186 $ 18,695,000 $ 100,510 $ 53,000
Clayton, Georgia 181 $ 3,079,000 $ 17,011 $ 55,000
Johnson, Kansas 181 $ 14,136,000 $ 78,099 $ 74,000
Greenville, South Carolina 181 $ 12,361,000 $ 68,292 $ 46,000
Gwinnett, Georgia 179 $ 7,754,000 $ 43,318 $ 70,000
Lake, Florida 178 $ 12,164,000 $ 68,337 $ 50,000
Washtenaw, Michigan 178 $ 7,695,000 $ 43,230 $ 61,000
Oklahoma, Oklahoma 175 $ 8,840,000 $ 50,514 $ 58,000
Spotsylvania, Virginia 175 $ 14,556,000 $ 83,177 $ 67,000
Collier, Florida 171 $ 14,068,000 $ 82,269 $ 73,000
Clermont, Ohio 171 $ 10,087,000 $ 58,988 $ 57,000
Spartanburg, South Carolina 168 $ 8,354,000 $ 49,726 $ 48,000
Boulder, Colorado 167 $ 19,293,000 $ 115,526 $ 85,000
Davidson, North Carolina 167 $ 13,629,000 $ 81,610 $ 47,000
Newport, Rhode Island 167 $ 22,965,000 $ 137,514 $ 62,000
Kent, Delaware 166 $ 11,750,000 $ 70,783 $ 62,000
Schenectady, New York 166 $ 8,501,000 $ 51,210 $ 53,000
Calvert, Maryland 165 $ 11,451,000 $ 69,400 $ 69,000
Carroll, Maryland 164 $ 14,670,000 $ 89,451 $ 81,000
Warren, Ohio 164 $ 13,719,000 $ 83,652 $ 91,000
Lackawanna, Pennsylvania 164 $ 10,048,000 $ 61,268 $ 52,000
Trumbull, Ohio 162 $ 4,649,000 $ 28,697 $ 52,000
Erie, Pennsylvania 162 $ 9,028,000 $ 55,728 $ 49,000
Escambia, Florida 161 $ 9,062,000 $ 56,285 $ 54,000
Butte, California 160 $ 7,195,000 $ 44,968 $ 48,000
Horry, South Carolina 160 $ 12,697,000 $ 79,356 $ 46,000
St. Charles, Missouri 159 $ 7,946,000 $ 49,974 $ 70,000
Portage, Ohio 159 $ 10,408,000 $ 65,459 $ 51,000
St. Louis City, Missouri 157 $ 5,341,000 $ 34,019 $ 40,000
Salem, New Jersey 157 $ 13,662,000 $ 87,019 $ 53,000
Tulsa, Oklahoma 157 $ 15,257,000 $ 97,178 $ 74,000
Lake, Indiana 156 $ 7,395,000 $ 47,403 $ 46,000
Oswego, New York 155 $ 6,508,000 $ 41,987 $ 48,000
Travis, Texas 155 $ 9,390,000 $ 60,580 $ 48,000
Broome, New York 154 $ 5,727,000 $ 37,188 $ 43,000
San Francisco, California 153 $ 31,849,000 $ 208,163 $ 83,000
Mahoning, Ohio 153 $ 6,357,000 $ 41,549 $ 42,000
Clark, Ohio 151 $ 3,829,000 $ 25,357 $ 42,000
Cowlitz, Washington 149 $ 10,792,000 $ 72,429 $ 45,000
El Dorado, California 148 $ 14,404,000 $ 97,324 $ 74,000
Sussex, Delaware 148 $ 11,878,000 $ 80,256 $ 53,000
Utah, Utah 148 $ 7,312,000 $ 49,405 $ 49,000
York, Maine 146 $ 10,049,000 $ 68,828 $ 51,000
Greene, Ohio 145 $ 5,331,000 $ 36,765 $ 55,000
Charleston, South Carolina 145 $ 9,336,000 $ 64,386 $ 54,000
Marion, Florida 143 $ 8,615,000 $ 60,244 $ 50,000
St. Johns, Florida 143 $ 12,924,000 $ 90,377 $ 54,000
McHenry, Illinois 140 $ 10,799,000 $ 77,135 $ 68,000
Linn, Oregon 139 $ 10,363,000 $ 74,553 $ 52,000
Butler, Pennsylvania 138 $ 12,321,000 $ 89,282 $ 50,000
Leon, Florida 137 $ 9,859,000 $ 71,963 $ 100,000
Washington, Minnesota 137 $ 24,518,000 $ 178,963 $ 72,000
Rensselaer, New York 137 $ 8,361,000 $ 61,029 $ 56,000
Cumberland, Pennsylvania 137 $ 8,063,000 $ 58,854 $ 51,000
Monroe, Michigan 136 $ 8,086,000 $ 59,455 $ 67,000
Muskegon, Michigan 136 $ 3,726,000 $ 27,397 $ 45,000
Merced, California 135 $ 11,066,000 $ 81,970 $ 51,000
Shasta, California 135 $ 7,872,000 $ 58,311 $ 58,000
Cumberland, Maine 135 $ 8,793,000 $ 65,133 $ 56,000
Kitsap, Washington 134 $ 9,545,000 $ 71,231 $ 55,000
Chautauqua, New York 133 $ 6,739,000 $ 50,669 $ 44,000
Hampshire, Massachusetts 132 $ 10,888,000 $ 82,484 $ 77,000
Mercer, Pennsylvania 131 $ 7,379,000 $ 56,328 $ 38,000
Bay, Florida 130 $ 6,042,000 $ 46,476 $ 50,000
Ottawa, Michigan 129 $ 7,522,000 $ 58,310 $ 46,000
St. Joseph, Indiana 128 $ 3,283,000 $ 25,648 $ 52,000
Jackson, Michigan 128 $ 4,155,000 $ 32,460 $ 47,000
Norfolk, Virginia 128 $ 6,567,000 $ 51,304 $ 60,000
Navajo, Arizona 127 $ 3,396,000 $ 26,740 $ 61,000
Lycoming, Pennsylvania 127 $ 5,741,000 $ 45,204 $ 41,000
Madison, Illinois 126 $ 3,797,000 $ 30,134 $ 52,000
Lenawee, Michigan 126 $ 5,921,000 $ 46,992 $ 67,000
Buncombe, North Carolina 126 $ 10,220,000 $ 81,111 $ 47,000
Wyandotte, Kansas 123 $ 4,141,000 $ 33,666 $ 48,000
Cecil, Maryland 123 $ 8,785,000 $ 71,422 $ 80,000
Jefferson, Missouri 123 $ 6,717,000 $ 54,609 $ 54,000
Wayne, New York 122 $ 4,901,000 $ 40,172 $ 42,000
Lane, Oregon 122 $ 7,331,000 $ 60,090 $ 53,000
Hamilton, Tennessee 122 $ 2,511,000 $ 20,581 $ 57,000
Gaston, North Carolina 121 $ 6,211,000 $ 51,330 $ 51,000
Okaloosa, Florida 120 $ 6,171,000 $ 51,425 $ 55,000
Calhoun, Michigan 120 $ 5,139,000 $ 42,825 $ 42,000
Randolph, North Carolina 120 $ 8,700,000 $ 72,500 $ 43,000
Lake, Ohio 119 $ 10,315,000 $ 86,680 $ 53,000
Davis, Utah 119 $ 5,482,000 $ 46,067 $ 48,000
Polk, Iowa 118 $ 2,699,000 $ 22,872 $ 52,000
Berkshire, Massachusetts 117 $ 9,031,000 $ 77,188 $ 62,000
Fauquier, Virginia 116 $ 13,964,000 $ 120,379 $ 74,000
Santa Rosa, Florida 115 $ 5,814,000 $ 50,556 $ 56,000
Iredell, North Carolina 115 $ 9,686,000 $ 84,226 $ 55,000
Richmond, Georgia 114 $ 1,014,000 $ 8,894 $ 48,000
Blair, Pennsylvania 114 $ 4,291,000 $ 37,640 $ 43,000
Wood, Ohio 113 $ 4,891,000 $ 43,283 $ 57,000
Thurston, Washington 113 $ 6,810,000 $ 60,265 $ 55,000
Alachua, Florida 112 $ 9,382,000 $ 83,767 $ 42,000
Cayuga, New York 112 $ 4,697,000 $ 41,937 $ 45,000
Fayette, Pennsylvania 112 $ 5,249,000 $ 46,866 $ 35,000
Wright, Minnesota 111 $ 16,386,000 $ 147,621 $ 56,000
Medina, Ohio 111 $ 12,469,000 $ 112,333 $ 63,000
Monterey, California 110 $ 15,311,000 $ 139,190 $ 77,000
Sumner, Tennessee 110 $ 2,448,000 $ 22,254 $ 55,000
Newport News, Virginia 110 $ 5,146,000 $ 46,781 $ 52,000
Charlotte, Florida 109 $ 6,060,000 $ 55,596 $ 47,000
Cattaraugus, New York 109 $ 4,365,000 $ 40,045 $ 38,000
Hamilton, Indiana 108 $ 5,296,000 $ 49,037 $ 86,000
Licking, Ohio 107 $ 3,400,000 $ 31,775 $ 58,000
Lawrence, Pennsylvania 107 $ 5,662,000 $ 52,915 $ 53,000
Hampton, Virginia 107 $ 5,487,000 $ 51,280 $ 45,000
Ontario, New York 106 $ 5,290,000 $ 49,905 $ 50,000
Carbon, Pennsylvania 106 $ 5,146,000 $ 48,547 $ 47,000
Aiken, South Carolina 106 $ 4,809,000 $ 45,367 $ 51,000
Hernando, Florida 105 $ 6,317,000 $ 60,161 $ 49,000
York, South Carolina 105 $ 7,977,000 $ 75,971 $ 65,000
Bristol, Rhode Island 104 $ 13,397,000 $ 128,817 $ 60,000
Berkeley, South Carolina 104 $ 5,798,000 $ 55,750 $ 54,000
Richmond City, Virginia 104 $ 6,228,000 $ 59,884 $ 49,000
Fayette, Kentucky 103 $ 2,938,000 $ 28,524 $ 52,000
Kenton, Kentucky 103 $ 3,839,000 $ 37,271 $ 68,000
St. Mary's, Maryland 103 $ 7,385,000 $ 71,699 $ 57,000
Lake, California 102 $ 8,762,000 $ 85,901 $ 49,000
Napa, California 101 $ 17,424,000 $ 172,514 $ 72,000
Franklin, Massachusetts 101 $ 8,402,000 $ 83,188 $ 53,000
Kalamazoo, Michigan 101 $ 4,765,000 $ 47,178 $ 49,000
Jefferson, New York 101 $ 4,328,000 $ 42,851 $ 43,000
Greenwood, South Carolina 100 $ 7,787,000 $ 77,870 $ 46,000
Windham, Vermont 99 $ 8,950,000 $ 90,404 $ 48,000
Livingston, Michigan 98 $ 5,078,000 $ 51,816 $ 90,000
Buchanan, Missouri 98 $ 6,006,000 $ 61,285 $ 63,000
Clay, Missouri 98 $ 5,021,000 $ 51,234 $ 60,000
Sandusky, Ohio 98 $ 3,068,000 $ 31,306 $ 46,000
Sangamon, Illinois 97 $ 3,216,000 $ 33,154 $ 53,000
Elkhart, Indiana 97 $ 2,827,000 $ 29,144 $ 41,000
Washington, Maryland 96 $ 7,221,000 $ 75,218 $ 51,000
Yamhill, Oregon 96 $ 8,762,000 $ 91,270 $ 43,000
Columbia, New York 95 $ 6,760,000 $ 71,157 $ 50,000
Santa Barbara, California 94 $ 17,201,000 $ 182,989 $ 67,000
Warren, New York 94 $ 5,917,000 $ 62,946 $ 52,000
Johnston, North Carolina 94 $ 4,849,000 $ 51,585 $ 53,000
Henry, Georgia 93 $ 2,783,000 $ 29,924 $ 65,000
Wayne, Pennsylvania 93 $ 6,532,000 $ 70,236 $ 51,000
Anderson, South Carolina 93 $ 7,045,000 $ 75,752 $ 48,000
DeSoto, Mississippi 92 $ 1,611,000 $ 17,510 $ 59,000
Madison, New York 92 $ 4,151,000 $ 45,119 $ 46,000
Lebanon, Pennsylvania 92 $ 3,242,000 $ 35,239 $ 49,000
Alexandria, Virginia 92 $ 10,266,000 $ 111,586 $ 74,000
Ada, Idaho 90 $ 2,959,000 $ 32,877 $ 53,000
Cochise, Arizona 89 $ 2,888,000 $ 32,449 $ 48,000
San Luis Obispo, California 88 $ 10,374,000 $ 117,886 $ 59,000
Berrien, Michigan 88 $ 4,071,000 $ 46,261 $ 45,000
Dorchester, South Carolina 88 $ 5,939,000 $ 67,488 $ 55,000
Montgomery, Tennessee 88 $ 1,674,000 $ 19,022 $ 52,000
Denton, Texas 87 $ 3,445,000 $ 39,597 $ 54,000
Alamance, North Carolina 86 $ 6,233,000 $ 72,476 $ 50,000
Union, North Carolina 86 $ 4,805,000 $ 55,872 $ 61,000
Wilson, Tennessee 86 $ 2,168,000 $ 25,209 $ 47,000
Jefferson, Alabama 85 $ 896,000 $ 10,541 $ 51,000
Sutter, California 85 $ 4,907,000 $ 57,729 $ 55,000
Durham, North Carolina 85 $ 5,707,000 $ 67,141 $ 68,000
Waukesha, Wisconsin 85 $ 1,293,000 $ 15,211 $ 53,000
Kennebec, Maine 84 $ 4,019,000 $ 47,845 $ 42,000
Grafton, New Hampshire 84 $ 7,395,000 $ 88,035 $ 59,000
Cambria, Pennsylvania 84 $ 3,008,000 $ 35,809 $ 42,000
Bexar, Texas 84 $ 2,390,000 $ 28,452 $ 37,000
Mendocino, California 83 $ 9,669,000 $ 116,493 $ 47,000
Scott, Minnesota 83 $ 14,303,000 $ 172,325 $ 69,000
St. Louis, Minnesota 83 $ 10,223,000 $ 123,168 $ 63,000
Erie, Ohio 83 $ 3,747,000 $ 45,144 $ 45,000
Northumberland, Pennsylvania 83 $ 2,986,000 $ 35,975 $ 35,000
Roanoke City, Virginia 83 $ 3,717,000 $ 44,783 $ 45,000
Weber, Utah 82 $ 4,081,000 $ 49,768 $ 39,000
Shiawassee, Michigan 81 $ 2,097,000 $ 25,888 $ 48,000
Cabarrus, North Carolina 81 $ 4,960,000 $ 61,234 $ 63,000
Fairfield, Ohio 81 $ 2,544,000 $ 31,407 $ 67,000
Racine, Wisconsin 81 $ 1,597,000 $ 19,716 $ 49,000
Washoe, Nevada 80 $ 2,637,000 $ 32,962 $ 74,000
Washington, New York 80 $ 4,718,000 $ 58,975 $ 50,000
Columbiana, Ohio 80 $ 4,107,000 $ 51,337 $ 68,000
Jackson, Oregon 80 $ 6,483,000 $ 81,037 $ 58,000
Polk, Oregon 80 $ 6,279,000 $ 78,487 $ 47,000
Franklin, Pennsylvania 80 $ 4,760,000 $ 59,500 $ 45,000
Wicomico, Maryland 79 $ 5,308,000 $ 67,189 $ 46,000
Catawba, North Carolina 79 $ 4,492,000 $ 56,860 $ 47,000
Rowan, North Carolina 79 $ 5,219,000 $ 66,063 $ 47,000
Richland, Ohio 79 $ 2,286,000 $ 28,936 $ 36,000
Frederick, Virginia 79 $ 6,376,000 $ 80,708 $ 56,000
Kings, California 78 $ 3,819,000 $ 48,961 $ 62,000
Peoria, Illinois 78 $ 1,092,000 $ 14,000 $ 49,000
Greene, New York 78 $ 5,424,000 $ 69,538 $ 43,000
Collin, Texas 78 $ 3,059,000 $ 39,217 $ 46,000
Benton, Washington 78 $ 3,732,000 $ 47,846 $ 47,000
Bay, Michigan 77 $ 1,351,000 $ 17,545 $ 39,000
Stearns, Minnesota 77 $ 7,361,000 $ 95,597 $ 50,000
Chittenden, Vermont 77 $ 8,504,000 $ 110,441 $ 60,000
Portsmouth, Virginia 77 $ 4,348,000 $ 56,467 $ 46,000
Yolo, California 76 $ 6,405,000 $ 84,276 $ 66,000
St. Lawrence, New York 76 $ 4,126,000 $ 54,289 $ 42,000
Allen, Ohio 76 $ 1,948,000 $ 25,631 $ 39,000
Delaware, Ohio 76 $ 6,603,000 $ 86,881 $ 78,000
Eaton, Michigan 75 $ 2,137,000 $ 28,493 $ 58,000
Cleveland, Oklahoma 75 $ 3,429,000 $ 45,720 $ 51,000
Hanover, Virginia 75 $ 7,006,000 $ 93,413 $ 58,000
Vigo, Indiana 74 $ 4,905,000 $ 66,283 $ 43,000
Arlington, Virginia 74 $ 10,339,000 $ 139,716 $ 87,000
Santa Cruz, California 73 $ 14,878,000 $ 203,808 $ 101,000
Tazewell, Illinois 73 $ 923,000 $ 12,643 $ 53,000
Chenango, New York 73 $ 2,638,000 $ 36,136 $ 44,000
Fulton, New York 73 $ 3,785,000 $ 51,849 $ 44,000
Lincoln, Oregon 73 $ 5,500,000 $ 75,342 $ 48,000
Blount, Tennessee 73 $ 2,154,000 $ 29,506 $ 52,000
Tioga, New York 72 $ 3,327,000 $ 46,208 $ 51,000
Clearfield, Pennsylvania 72 $ 3,018,000 $ 41,916 $ 49,000
Pueblo, Colorado 71 $ 3,596,000 $ 50,647 $ 46,000
Williamson, Texas 71 $ 2,790,000 $ 39,295 $ 47,000
Indian River, Florida 70 $ 5,901,000 $ 84,300 $ 47,000
Orangeburg, South Carolina 70 $ 3,887,000 $ 55,528 $ 41,000
Williamson, Tennessee 70 $ 2,116,000 $ 30,228 $ 63,000
Yakima, Washington 70 $ 2,105,000 $ 30,071 $ 43,000
Madera, California 69 $ 6,259,000 $ 90,710 $ 57,000
Columbia, Georgia 69 $ 963,000 $ 13,956 $ 57,000
Hendricks, Indiana 69 $ 2,345,000 $ 33,985 $ 57,000
Queen Anne's, Maryland 69 $ 7,280,000 $ 105,507 $ 65,000
Ashtabula, Ohio 69 $ 4,477,000 $ 64,884 $ 45,000
Nassau, Florida 68 $ 4,857,000 $ 71,426 $ 48,000
Sarpy, Nebraska 68 $ 920,000 $ 13,529 $ 59,000
Montgomery, New York 68 $ 2,986,000 $ 43,911 $ 45,000
Adams, Pennsylvania 68 $ 3,839,000 $ 56,455 $ 55,000
Imperial, California 67 $ 4,261,000 $ 63,597 $ 72,000
Marin, California 67 $ 14,186,000 $ 211,731 $ 100,000
Allegany, Maryland 67 $ 3,753,000 $ 56,014 $ 35,000
Allegan, Michigan 67 $ 2,898,000 $ 43,253 $ 43,000
Carroll, New Hampshire 67 $ 6,191,000 $ 92,402 $ 60,000
Herkimer, New York 67 $ 3,037,000 $ 45,328 $ 45,000
Caldwell, North Carolina 67 $ 3,818,000 $ 56,985 $ 36,000
Deschutes, Oregon 67 $ 5,988,000 $ 89,373 $ 55,000
Macon, Illinois 66 $ 983,000 $ 14,893 $ 50,000
Madison, Indiana 66 $ 2,722,000 $ 41,242 $ 38,000
Chemung, New York 66 $ 3,630,000 $ 55,000 $ 50,000
Otsego, New York 66 $ 3,896,000 $ 59,030 $ 38,000
Columbia, Oregon 66 $ 6,192,000 $ 93,818 $ 60,000
Crawford, Pennsylvania 66 $ 3,884,000 $ 58,848 $ 31,000
Martin, Florida 65 $ 5,784,000 $ 88,984 $ 54,000
Greene, Missouri 65 $ 2,151,000 $ 33,092 $ 39,000
Coos, New Hampshire 65 $ 4,051,000 $ 62,323 $ 52,000
Rockingham, North Carolina 65 $ 4,337,000 $ 66,723 $ 50,000
Dane, Wisconsin 65 $ 2,036,000 $ 31,323 $ 57,000
St. Croix, Wisconsin 65 $ 9,918,000 $ 152,584 $ 56,000
Montcalm, Michigan 64 $ 2,384,000 $ 37,250 $ 40,000
Sherburne, Minnesota 64 $ 9,204,000 $ 143,812 $ 63,000
Clinton, New York 64 $ 4,423,000 $ 69,109 $ 50,000
Steuben, New York 64 $ 3,551,000 $ 55,484 $ 35,000
Vanderburgh, Indiana 63 $ 1,838,000 $ 29,174 $ 46,000
Ionia, Michigan 63 $ 2,442,000 $ 38,761 $ 54,000
Bernalillo, New Mexico 63 $ 2,406,000 $ 38,190 $ 63,000
Delaware, New York 63 $ 4,804,000 $ 76,253 $ 97,000
Lewis, Washington 63 $ 2,737,000 $ 43,444 $ 46,000
Laramie, Wyoming 63 $ 1,436,000 $ 22,793 $ 54,000
Boone, Kentucky 62 $ 1,962,000 $ 31,645 $ 56,000
Androscoggin, Maine 62 $ 1,843,000 $ 29,725 $ 46,000
Livingston, New York 62 $ 2,737,000 $ 44,145 $ 46,000
Sumter, South Carolina 62 $ 2,831,000 $ 45,661 $ 40,000
Spokane, Washington 62 $ 3,672,000 $ 59,225 $ 43,000
Kenosha, Wisconsin 62 $ 1,526,000 $ 24,612 $ 57,000
Flagler, Florida 61 $ 4,800,000 $ 78,688 $ 56,000
Caddo, Louisiana 61 $ 750,000 $ 12,295 $ 39,000
Henderson, North Carolina 61 $ 4,495,000 $ 73,688 $ 50,000
Wayne, Ohio 61 $ 3,214,000 $ 52,688 $ 48,000
Bell, Texas 61 $ 787,000 $ 12,901 $ 54,000
Mason, Washington 61 $ 5,240,000 $ 85,901 $ 59,000
Putnam, Florida 60 $ 3,730,000 $ 62,166 $ 43,000
Cleveland, North Carolina 60 $ 4,073,000 $ 67,883 $ 49,000
Columbia, Pennsylvania 60 $ 3,156,000 $ 52,600 $ 48,000
Beaufort, South Carolina 60 $ 4,619,000 $ 76,983 $ 69,000
Canyon, Idaho 59 $ 1,533,000 $ 25,983 $ 43,000
Johnson, Indiana 59 $ 3,162,000 $ 53,593 $ 60,000
Hardin, Kentucky 59 $ 1,776,000 $ 30,101 $ 51,000
Cortland, New York 59 $ 2,153,000 $ 36,491 $ 39,000
Miami, Ohio 59 $ 1,744,000 $ 29,559 $ 46,000
Seneca, Ohio 59 $ 1,887,000 $ 31,983 $ 47,000
Centre, Pennsylvania 59 $ 3,202,000 $ 54,271 $ 66,000
Culpeper, Virginia 59 $ 4,149,000 $ 70,322 $ 61,000
Suffolk, Virginia 59 $ 3,739,000 $ 63,372 $ 61,000
Genesee, New York 58 $ 2,714,000 $ 46,793 $ 50,000
Huron, Ohio 58 $ 2,817,000 $ 48,568 $ 52,000
Bradley, Tennessee 58 $ 1,477,000 $ 25,465 $ 44,000
Yavapai, Arizona 57 $ 3,443,000 $ 60,403 $ 43,000
Tehama, California 57 $ 2,848,000 $ 49,964 $ 39,000
Morgan, Colorado 57 $ 3,197,000 $ 56,087 $ 48,000
Paulding, Georgia 57 $ 2,246,000 $ 39,403 $ 55,000
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Mortgage Loan Application Detail Totals for Keybank USA, N.A. 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) 101,419 $14,836,648,000 $120,100 $3,242,000 $54,880 $1,950,000
Home Improvement (one-to-four family) 93,806 $1,831,508,000 $15,803 $5,300,000 $54,098 $4,694,000
Home Purchase (one-to-four family) 4,683 $567,296,000 $110,458 $1,500,000 $55,750 $1,000,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $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 106,702 $7,799,373,000 $52,549 $5,300,000 $55,882 $3,600,000
Information not provided by applicant in mail or telephone application 56,584 $6,886,302,000 $103,060 $2,800,000 $53,700 $1,950,000
Black 18,519 $1,089,737,000 $46,195 $1,120,000 $52,804 $1,088,000
Hispanic 10,415 $756,146,000 $52,021 $3,235,000 $55,956 $4,694,000
Asian or Pacific Islander 2,491 $281,840,000 $72,809 $1,080,000 $66,571 $1,000,000
Other 2,291 $237,911,000 $63,720 $920,000 $55,953 $960,000
Not applicable 2,005 $108,676,000 $76,052 $750,000 $23,078 $300,000
American Indian or Alaskan Native 901 $75,467,000 $57,840 $650,000 $60,727 $366,000

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) 199,847 $17,233,967,000 $60,098 $5,300,000 $54,215 $4,694,000
VA-guaranteed (Veterans Administration) 37 $837,000 $19,444 $115,000 $64,277 $176,000
FHA-insured (Federal Housing Administration) 18 $525,000 $32,750 $165,000 $69,500 $135,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $123,000 $22,000 $32,000 $56,400 $113,000

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 63,701 $4,195,597,000 $51,215 $5,300,000 $48,607 $4,694,000
Application Approved But Not Accepted 51,848 $4,862,736,000 $61,200 $3,242,000 $61,340 $1,498,000
Loan Originated 45,289 $3,103,552,000 $50,840 $1,277,000 $60,700 $2,937,000
Application Withdrawn By Applicant 36,927 $4,955,803,000 $104,140 $2,130,000 $59,740 $1,950,000
Loan Purchased By The Institution 2,112 $114,374,000 $62,085 $750,000 $19,285 $427,000
File Closed For Incompleteness 31 $3,390,000 $123,722 $429,000 $67,166 $191,000

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 28,926 $1,144,198,000 $34,265 $2,125,000 $51,326 $4,694,000
Debt-To-Income Ratio 19,924 $1,587,774,000 $52,500 $5,300,000 $38,800 $1,271,000
Collateral 7,538 $697,490,000 $68,708 $1,135,000 $51,979 $3,600,000
Other 6,126 $617,405,000 $78,591 $2,800,000 $56,795 $845,000
Unverifiable Information 798 $101,996,000 $108,294 $1,500,000 $46,911 $1,000,000
Employment History 234 $24,228,000 $95,513 $1,750,000 $53,189 $565,000
Credit Application Incomplete 152 $22,483,000 $146,538 $520,000 $82,538 $720,000
Insufficient Cash (Downpayment, Closing Cost) 2 $17,000 $8,500 $13,000 $26,500 $36,000
Mortgage Insurance Denied 1 $6,000 $6,000 $6,000 $5,000 $5,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keybank USA, N.A.'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 USA, N.A.'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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