Keybank Mortgage Rates, Fees & Info

Cleveland, OH

LEI: HUX2X73FUCYHUVH1BK78

Tax ID: 34-0797057

4.7 stars

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Keybank is a large bank specializing in Refi and Home Purchase loans. Keybank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Seattle, Denver, Portland, Cleveland, and Buffalo among others. We have data for 477 markets. (Some data included below & more in-depth data is available with an active subscription.)

Keybank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Keybank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	7.76%	10/3/22
30 Year Conventional Purchase	6.25%	10/3/22
30 Year Conventional Refi	6.45%	10/3/22
30 Year Cash-out Refi	6.42%	10/3/22
30 Year FHA Purchase	7.25%	10/3/22
30 Year FHA Refi	6.99%	10/3/22
30 Year VA Purchase	6.26%	10/3/22
30 Year VA Refi	6.03%	10/3/22
15 Year Conventional Purchase	6.13%	10/3/22
15 Year Conventional Refi	6.39%	10/3/22
15 Year Cash-out Refi	6.39%	10/3/22
15 Year FHA Purchase	5.96%	10/3/22
15 Year FHA Refi	5.96%	10/3/22
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Originations

52,366

Origination Dollar Volume (All Markets)

$25,003,730,000

Employee count

17,297

Awards

KeyBank 30 Year Conventional Loans silver

KeyBank 30 Year Conventional Loans bronze

Show all (162) awards

Relative Rate

Keybank's average 30 year fixed mortgage rate was 3.38%.

The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

This yields a difference of 0.23%.

Relative Fees (Closing Costs)

Keybank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,349.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	6,600	$4,211,590,000	$638,120	$4,722	2.97%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	2,011	$1,237,875,000	$615,552	$3,661	3.31%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2,509	$999,425,000	$398,336	$4,205	3.44%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	3,200	$713,900,000	$223,094	$2,371	3.08%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	3,494	$687,500,000	$196,766	$2,203	3.31%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1,104	$604,960,000	$547,971	$4,732	3.22%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	416	$473,980,000	$1,139,375	$5,566	2.47%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	389	$458,625,000	$1,178,985	$4,191	2.35%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	136	$442,970,000	$3,257,132	$4,745	2.76%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	717	$438,445,000	$611,499	$3,932	3.24%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	39	$389,865,000	$9,996,538	$4,982	2.68%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	1,295	$371,995,000	$287,255	$3,114	3.30%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	395	$367,835,000	$931,228	$5,369	3.17%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	95	$355,695,000	$3,744,158	$5,790	2.80%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	317	$354,165,000	$1,117,240	$7,218	2.72%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA\|USDA\|VA)	33	$335,355,000	$10,162,273	$5,704	2.80%
Outside of Metro Areas	1,492	$333,220,000	$223,338	$2,589	3.32%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	186	$329,640,000	$1,772,258	$4,591	2.92%
BOISE CITY, ID (FHA\|USDA\|VA)	860	$288,200,000	$335,116	$4,193	3.20%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	1,229	$274,925,000	$223,698	$2,913	3.18%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	246	$257,870,000	$1,048,252	$5,802	2.85%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	101	$253,155,000	$2,506,485	$6,489	2.84%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	97	$243,445,000	$2,509,742	$5,494	2.94%
ANN ARBOR, MI (FHA\|USDA\|VA)	223	$238,395,000	$1,069,036	$2,351	3.51%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	78	$229,140,000	$2,937,692	$4,828	2.75%
COLUMBUS, OH (FHA\|USDA\|VA)	799	$228,745,000	$286,289	$2,529	3.35%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	39	$225,045,000	$5,770,385	$4,698	2.77%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	934	$215,540,000	$230,771	$2,595	3.46%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	147	$212,935,000	$1,448,537	$7,860	2.84%
PITTSBURGH, PA (FHA\|USDA\|VA)	1,354	$206,410,000	$152,445	$2,300	3.33%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1,019	$202,535,000	$198,759	$1,760	3.44%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	44	$195,560,000	$4,444,545	$7,992	2.76%
SYRACUSE, NY (FHA\|USDA\|VA)	829	$195,335,000	$235,627	$1,498	3.42%
ROCHESTER, NY (FHA\|USDA\|VA)	829	$192,385,000	$232,069	$2,154	3.26%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	614	$188,330,000	$306,726	$2,862	3.43%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	73	$185,065,000	$2,535,137	$5,383	2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	28	$170,870,000	$6,102,500	$7,532	2.96%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	621	$160,995,000	$259,251	$3,293	3.17%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	13	$159,285,000	$12,252,692	$6,015	2.95%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	7	$157,945,000	$22,563,571	$2,786	3.51%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	855	$157,695,000	$184,439	$2,668	3.24%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	57	$153,355,000	$2,690,439	$4,026	2.91%
AKRON, OH (FHA\|USDA\|VA)	791	$139,965,000	$176,947	$1,697	3.32%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	624	$132,770,000	$212,772	$2,482	3.41%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	289	$129,235,000	$447,180	$2,321	3.71%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	106	$128,330,000	$1,210,660	$9,010	2.72%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	131	$126,205,000	$963,397	$3,707	3.40%
TOLEDO, OH (FHA\|USDA\|VA)	895	$124,345,000	$138,933	$1,920	3.28%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	89	$120,785,000	$1,357,135	$6,714	2.92%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	50	$113,270,000	$2,265,400	$6,610	2.81%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	54	$113,210,000	$2,096,481	$7,242	2.62%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	353	$110,175,000	$312,110	$3,038	3.44%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	16	$104,200,000	$6,512,500	$2,964	2.92%
SALEM, OR (FHA\|USDA\|VA)	407	$104,185,000	$255,983	$3,786	3.17%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	14	$103,990,000	$7,427,857	$5,222	2.52%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	76	$102,630,000	$1,350,395	$5,975	2.82%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$102,595,000	$34,198,333	$0	3.04%
Breckenridge, CO (FHA\|USDA\|VA)	151	$101,995,000	$675,464	$4,191	2.78%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	181	$100,125,000	$553,177	$1,416	3.31%
PROVO-OREM, UT (FHA\|USDA\|VA)	183	$97,625,000	$533,470	$5,028	3.15%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	92	$95,570,000	$1,038,804	$7,716	2.89%
BOULDER, CO (FHA\|USDA\|VA)	148	$94,880,000	$641,081	$4,056	3.19%
Heber, UT (FHA\|USDA\|VA)	114	$86,390,000	$757,807	$5,131	3.19%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	100	$86,000,000	$860,000	$7,128	2.79%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	7	$82,125,000	$11,732,143	$5,214	2.80%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	220	$77,070,000	$350,318	$2,828	3.30%
TULSA, OK (FHA\|USDA\|VA)	3	$75,965,000	$25,321,667	$0	2.68%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	16	$75,180,000	$4,698,750	$3,965	2.82%
BATON ROUGE, LA (FHA\|USDA\|VA)	2	$72,820,000	$36,410,000	$0	3.06%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	618	$71,560,000	$115,793	$1,237	3.40%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	10	$71,210,000	$7,121,000	$5,100	2.89%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	60	$69,450,000	$1,157,500	$6,143	2.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	172	$66,040,000	$383,953	$3,389	3.42%
BELLINGHAM, WA (FHA\|USDA\|VA)	160	$65,810,000	$411,313	$3,964	3.34%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	331	$63,055,000	$190,498	$1,901	3.16%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	9	$62,945,000	$6,993,889	$2,768	2.87%
WILMINGTON, NC (FHA\|USDA\|VA)	12	$62,380,000	$5,198,333	$4,187	3.00%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	117	$60,715,000	$518,932	$2,151	3.17%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	25	$60,135,000	$2,405,400	$3,982	2.97%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	290	$57,610,000	$198,655	$2,634	3.63%
BEND, OR (FHA\|USDA\|VA)	66	$57,330,000	$868,636	$6,082	3.11%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	67	$56,405,000	$841,866	$6,072	2.80%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	2	$55,570,000	$27,785,000	$0	3.32%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	16	$55,100,000	$3,443,750	$5,848	3.14%
FORT COLLINS, CO (FHA\|USDA\|VA)	183	$53,325,000	$291,393	$2,743	3.41%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	14	$53,180,000	$3,798,571	$3,247	3.05%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	8	$52,450,000	$6,556,250	$3,515	2.71%
YAKIMA, WA (FHA\|USDA\|VA)	306	$52,340,000	$171,046	$1,905	3.26%
KINGSTON, NY (FHA\|USDA\|VA)	216	$50,220,000	$232,500	$2,979	3.22%
ASHEVILLE, NC (FHA\|USDA\|VA)	9	$49,445,000	$5,493,889	$5,415	3.37%
TUCSON, AZ (FHA\|USDA\|VA)	40	$48,930,000	$1,223,250	$4,485	2.98%
HUNTSVILLE, AL (FHA\|USDA\|VA)	5	$44,055,000	$8,811,000	$4,288	3.10%
UTICA-ROME, NY (FHA\|USDA\|VA)	303	$41,535,000	$137,079	$2,474	3.17%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	328	$41,500,000	$126,524	$1,910	3.60%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	206	$41,250,000	$200,243	$2,325	3.33%
MEDFORD, OR (FHA\|USDA\|VA)	153	$40,505,000	$264,739	$3,304	3.38%
IDAHO FALLS, ID (FHA\|USDA\|VA)	203	$40,235,000	$198,202	$3,553	3.55%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	15	$38,215,000	$2,547,667	$5,949	2.93%
GAINESVILLE, GA (FHA\|USDA\|VA)	3	$37,215,000	$12,405,000	$4,899	2.68%
ANCHORAGE, AK (FHA\|USDA\|VA)	156	$36,770,000	$235,705	$3,052	3.98%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$36,005,000	$36,005,000	$0	3.06%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	192	$35,460,000	$184,688	$2,570	3.57%
PUNTA GORDA, FL (FHA\|USDA\|VA)	14	$33,490,000	$2,392,143	$5,361	2.80%
JACKSON, MS (FHA\|USDA\|VA)	2	$33,110,000	$16,555,000	$2,896	2.98%
GREENVILLE, NC (FHA\|USDA\|VA)	1	$32,495,000	$32,495,000	$0	3.40%
COLUMBIA, SC (FHA\|USDA\|VA)	8	$32,280,000	$4,035,000	$4,841	2.96%
EL PASO, TX (FHA\|USDA\|VA)	5	$31,355,000	$6,271,000	$5,084	2.97%
GLENS FALLS, NY (FHA\|USDA\|VA)	82	$30,900,000	$376,829	$3,605	3.20%
SPRINGFIELD, MA (FHA\|USDA\|VA)	172	$30,690,000	$178,430	$2,248	3.32%
Hood River, OR (FHA\|USDA\|VA)	101	$30,235,000	$299,356	$3,516	3.57%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	14	$27,440,000	$1,960,000	$3,391	3.48%
RICHMOND, VA (FHA\|USDA\|VA)	10	$27,260,000	$2,726,000	$5,372	2.83%
WENATCHEE, WA (FHA\|USDA\|VA)	63	$26,715,000	$424,048	$3,724	3.02%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	2	$26,670,000	$13,335,000	$3,309	3.13%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	2	$26,450,000	$13,225,000	$2,153	3.02%
Hudson, NY (FHA\|USDA\|VA)	155	$26,425,000	$170,484	$2,211	3.32%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	102	$26,240,000	$257,255	$2,634	3.42%
SANTA FE, NM (FHA\|USDA\|VA)	6	$26,000,000	$4,333,333	$9,130	3.44%
JACKSONVILLE, FL (FHA\|USDA\|VA)	46	$25,770,000	$560,217	$7,051	2.83%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	88	$25,700,000	$292,045	$3,471	3.15%
MONROE, MI (FHA\|USDA\|VA)	186	$25,340,000	$136,237	$1,633	3.19%
RAPID CITY, SD (FHA\|USDA\|VA)	1	$24,755,000	$24,755,000	$0	3.14%
BANGOR, ME (FHA\|USDA\|VA)	195	$24,465,000	$125,462	$1,790	3.45%
OCEAN CITY, NJ (FHA\|USDA\|VA)	33	$24,395,000	$739,242	$5,312	2.70%
Glenwood Springs, CO (FHA\|USDA\|VA)	12	$24,340,000	$2,028,333	$5,265	2.66%
WORCESTER, MA-CT (FHA\|USDA\|VA)	122	$24,320,000	$199,344	$2,306	3.43%
GREELEY, CO (FHA\|USDA\|VA)	86	$24,060,000	$279,767	$2,825	3.47%
NILES, MI (FHA\|USDA\|VA)	11	$23,905,000	$2,173,182	$1,099	3.97%
CORVALLIS, OR (FHA\|USDA\|VA)	93	$23,875,000	$256,720	$3,390	3.41%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	3	$23,455,000	$7,818,333	$0	2.72%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	169	$23,115,000	$136,775	$1,344	3.17%
Auburn, NY (FHA\|USDA\|VA)	193	$23,045,000	$119,404	$1,623	3.18%
Jackson, WY-ID (FHA\|USDA\|VA)	50	$22,740,000	$454,800	$5,100	3.31%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	7	$21,665,000	$3,095,000	$3,014	2.82%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	18	$21,180,000	$1,176,667	$6,631	3.03%
Adrian, MI (FHA\|USDA\|VA)	156	$21,170,000	$135,705	$1,757	3.45%
ERIE, PA (FHA\|USDA\|VA)	125	$20,765,000	$166,120	$1,600	3.43%
Ellensburg, WA (FHA\|USDA\|VA)	37	$20,395,000	$551,216	$4,158	2.96%
Shelton, WA (FHA\|USDA\|VA)	85	$19,785,000	$232,765	$2,426	3.30%
WATERTOWN-FORT DRUM, NY (FHA\|USDA\|VA)	134	$19,780,000	$147,612	$1,533	3.40%
RENO, NV (FHA\|USDA\|VA)	27	$19,385,000	$717,963	$8,035	2.75%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	2	$18,660,000	$9,330,000	$0	2.36%
Augusta-Waterville, ME (FHA\|USDA\|VA)	148	$18,630,000	$125,878	$1,656	3.39%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	28	$18,430,000	$658,214	$5,148	2.93%
Oak Harbor, WA (FHA\|USDA\|VA)	53	$18,325,000	$345,755	$2,897	3.29%
FLORENCE, SC (FHA\|USDA\|VA)	2	$17,820,000	$8,910,000	$4,537	3.01%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	156	$17,800,000	$114,103	$1,567	3.20%
Edwards, CO (FHA\|USDA\|VA)	19	$17,775,000	$935,526	$4,253	2.59%
Sandusky, OH (FHA\|USDA\|VA)	133	$17,615,000	$132,444	$2,393	3.26%
AMARILLO, TX (FHA\|USDA\|VA)	1	$17,395,000	$17,395,000	$0	3.56%
SPRINGFIELD, IL (FHA\|USDA\|VA)	2	$17,260,000	$8,630,000	$0	2.43%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	12	$16,640,000	$1,386,667	$2,301	3.49%
Moses Lake, WA (FHA\|USDA\|VA)	76	$15,990,000	$210,395	$2,514	3.24%
FRESNO, CA (FHA\|USDA\|VA)	20	$15,910,000	$795,500	$5,137	2.83%
Port Angeles, WA (FHA\|USDA\|VA)	73	$15,705,000	$215,137	$2,233	3.72%
Ozark, AL (FHA\|USDA\|VA)	1	$15,235,000	$15,235,000	$0	3.41%
LOGAN, UT-ID (FHA\|USDA\|VA)	48	$15,120,000	$315,000	$3,457	3.05%
STOCKTON, CA (FHA\|USDA\|VA)	22	$15,000,000	$681,818	$4,231	2.58%
LEWISTON-AUBURN, ME (FHA\|USDA\|VA)	107	$14,935,000	$139,579	$1,609	3.51%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	12	$14,660,000	$1,221,667	$4,966	3.19%
Jamestown-Dunkirk-Fredonia, NY (FHA\|USDA\|VA)	120	$14,560,000	$121,333	$2,015	3.41%
Centralia, WA (FHA\|USDA\|VA)	89	$14,475,000	$162,640	$1,735	3.48%
Granbury, TX (FHA\|USDA\|VA)	2	$14,200,000	$7,100,000	$6,913	2.83%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	2	$13,890,000	$6,945,000	$0	2.26%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	14	$13,890,000	$992,143	$9,264	2.63%
ITHACA, NY (FHA\|USDA\|VA)	54	$13,850,000	$256,481	$1,837	3.13%
Aberdeen, WA (FHA\|USDA\|VA)	71	$13,545,000	$190,775	$2,404	3.22%
Plattsburgh, NY (FHA\|USDA\|VA)	107	$13,465,000	$125,841	$1,864	3.33%
Warsaw, IN (FHA\|USDA\|VA)	78	$13,450,000	$172,436	$1,586	3.25%
Blackfoot, ID (FHA\|USDA\|VA)	71	$13,225,000	$186,268	$2,528	3.27%
READING, PA (FHA\|USDA\|VA)	98	$13,190,000	$134,592	$1,895	3.57%
Oneonta, NY (FHA\|USDA\|VA)	79	$12,955,000	$163,987	$1,989	3.31%
ST. GEORGE, UT (FHA\|USDA\|VA)	23	$12,645,000	$549,783	$4,269	2.91%
POCATELLO, ID (FHA\|USDA\|VA)	58	$12,460,000	$214,828	$3,118	3.45%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	112	$12,380,000	$110,536	$1,846	3.09%
TWIN FALLS, ID (FHA\|USDA\|VA)	60	$12,130,000	$202,167	$2,920	3.44%
DOTHAN, AL (FHA\|USDA\|VA)	1	$11,945,000	$11,945,000	$0	3.93%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	49	$11,795,000	$240,714	$3,043	3.33%
SALINAS, CA (FHA\|USDA\|VA)	10	$11,730,000	$1,173,000	$6,874	2.85%
Hilo, HI (FHA\|USDA\|VA)	8	$11,720,000	$1,465,000	$13,074	2.66%
Norwalk, OH (FHA\|USDA\|VA)	93	$11,545,000	$124,140	$2,345	3.27%
Steamboat Springs, CO (FHA\|USDA\|VA)	15	$11,485,000	$765,667	$4,686	3.10%
Gloversville, NY (FHA\|USDA\|VA)	99	$11,305,000	$114,192	$1,942	3.37%
TOPEKA, KS (FHA\|USDA\|VA)	1	$11,245,000	$11,245,000	$0	3.12%
Key West, FL (FHA\|USDA\|VA)	13	$11,105,000	$854,231	$10,159	2.87%
BINGHAMTON, NY (FHA\|USDA\|VA)	93	$10,845,000	$116,613	$1,950	3.39%
KNOXVILLE, TN (FHA\|USDA\|VA)	12	$10,840,000	$903,333	$3,579	2.65%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	5	$10,525,000	$2,105,000	$3,320	2.85%
Shelbyville, TN (FHA\|USDA\|VA)	1	$10,475,000	$10,475,000	$0	3.46%
Ashtabula, OH (FHA\|USDA\|VA)	103	$10,275,000	$99,757	$1,244	3.14%
Batavia, NY (FHA\|USDA\|VA)	88	$10,250,000	$116,477	$1,512	3.35%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$10,125,000	$10,125,000	$0	3.26%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	3	$10,005,000	$3,335,000	$1,088	2.75%
BAY CITY, MI (FHA\|USDA\|VA)	2	$9,940,000	$4,970,000	$2,508	3.39%
KOKOMO, IN (FHA\|USDA\|VA)	105	$9,825,000	$93,571	$1,296	3.40%
Olean, NY (FHA\|USDA\|VA)	63	$9,575,000	$151,984	$2,402	3.26%
Rexburg, ID (FHA\|USDA\|VA)	42	$9,360,000	$222,857	$2,542	3.50%
WICHITA, KS (FHA\|USDA\|VA)	1	$9,305,000	$9,305,000	$0	3.65%
Cortland, NY (FHA\|USDA\|VA)	96	$9,270,000	$96,563	$1,410	3.45%
Outside of Metro Areas	18	$9,240,000	$513,333	$5,294	3.27%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	12	$9,190,000	$765,833	$6,629	2.78%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	11	$8,915,000	$810,455	$7,700	2.92%
Durango, CO (FHA\|USDA\|VA)	12	$8,720,000	$726,667	$4,302	3.25%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	9	$8,445,000	$938,333	$4,358	2.99%
Amsterdam, NY (FHA\|USDA\|VA)	79	$8,405,000	$106,392	$1,682	3.22%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	8	$8,370,000	$1,046,250	$5,970	4.09%
Malone, NY (FHA\|USDA\|VA)	75	$8,205,000	$109,400	$2,003	3.49%
Ottawa, IL (FHA\|USDA\|VA)	2	$8,120,000	$4,060,000	$0	3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	26	$8,090,000	$311,154	$4,420	2.95%
TYLER, TX (FHA\|USDA\|VA)	3	$8,025,000	$2,675,000	$6,832	2.65%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	8	$7,940,000	$992,500	$5,530	2.77%
Kalispell, MT (FHA\|USDA\|VA)	9	$7,905,000	$878,333	$5,994	2.76%
Burley, ID (FHA\|USDA\|VA)	53	$7,765,000	$146,509	$2,285	3.12%
Sandpoint, ID (FHA\|USDA\|VA)	12	$7,590,000	$632,500	$4,500	3.08%
ROANOKE, VA (FHA\|USDA\|VA)	1	$7,515,000	$7,515,000	$0	2.86%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	2	$7,350,000	$3,675,000	$1,764	4.15%
Astoria, OR (FHA\|USDA\|VA)	23	$7,255,000	$315,435	$3,443	3.31%
Lebanon, NH-VT (FHA\|USDA\|VA)	23	$7,035,000	$305,870	$2,928	3.08%
FAIRBANKS, AK (FHA\|USDA\|VA)	15	$6,995,000	$466,333	$3,338	4.17%
Hailey, ID (FHA\|USDA\|VA)	11	$6,925,000	$629,545	$7,164	3.05%
Ketchikan, AK (FHA\|USDA\|VA)	33	$6,905,000	$209,242	$3,580	3.37%
Salem, OH (FHA\|USDA\|VA)	57	$6,845,000	$120,088	$1,314	3.33%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	6	$6,830,000	$1,138,333	$7,033	2.95%
LONGVIEW, WA (FHA\|USDA\|VA)	31	$6,675,000	$215,323	$1,740	3.24%
Traverse City, MI (FHA\|USDA\|VA)	12	$6,570,000	$547,500	$4,845	2.98%
Kill Devil Hills, NC (FHA\|USDA\|VA)	8	$6,520,000	$815,000	$4,518	2.84%
Torrington, CT (FHA\|USDA\|VA)	17	$6,495,000	$382,059	$3,547	2.94%
PANAMA CITY, FL (FHA\|USDA\|VA)	7	$6,435,000	$919,286	$8,805	2.73%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	14	$6,410,000	$457,857	$3,641	2.90%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	11	$6,395,000	$581,364	$4,530	3.01%
Ontario, OR-ID (FHA\|USDA\|VA)	37	$6,295,000	$170,135	$2,721	3.23%
Wilmington, OH (FHA\|USDA\|VA)	3	$6,125,000	$2,041,667	$3,250	2.96%
GRANTS PASS, OR (FHA\|USDA\|VA)	32	$6,030,000	$188,438	$2,251	3.40%
FOND DU LAC, WI (FHA\|USDA\|VA)	1	$5,645,000	$5,645,000	$0	2.36%
MANSFIELD, OH (FHA\|USDA\|VA)	68	$5,620,000	$82,647	$1,202	3.67%
Angola, IN (FHA\|USDA\|VA)	35	$5,515,000	$157,571	$1,447	3.40%
Warren, PA (FHA\|USDA\|VA)	68	$5,430,000	$79,853	$1,325	3.60%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	6	$5,340,000	$890,000	$6,212	2.94%
BATTLE CREEK, MI (FHA\|USDA\|VA)	4	$5,260,000	$1,315,000	$1,168	4.04%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	8	$5,000,000	$625,000	$4,785	2.78%
Zanesville, OH (FHA\|USDA\|VA)	5	$4,925,000	$985,000	$6,134	2.78%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	8	$4,900,000	$612,500	$5,355	2.94%
Juneau, AK (FHA\|USDA\|VA)	17	$4,765,000	$280,294	$3,121	3.55%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	41	$4,705,000	$114,756	$1,879	3.82%
SPRINGFIELD, OH (FHA\|USDA\|VA)	46	$4,660,000	$101,304	$1,605	3.40%
The Dalles, OR (FHA\|USDA\|VA)	24	$4,650,000	$193,750	$2,517	3.83%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	7	$4,635,000	$662,143	$5,226	3.04%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	21	$4,565,000	$217,381	$3,778	2.85%
Findlay, OH (FHA\|USDA\|VA)	38	$4,270,000	$112,368	$1,834	3.38%
Jefferson, GA (FHA\|USDA\|VA)	2	$4,230,000	$2,115,000	$3,654	3.41%
Newport, OR (FHA\|USDA\|VA)	17	$4,135,000	$243,235	$3,474	3.29%
Moultrie, GA (FHA\|USDA\|VA)	1	$4,105,000	$4,105,000	$0	4.18%
MUSKEGON, MI (FHA\|USDA\|VA)	3	$4,085,000	$1,361,667	$2,818	3.16%
Fremont, OH (FHA\|USDA\|VA)	37	$4,055,000	$109,595	$1,313	3.24%
SALISBURY, MD-DE (FHA\|USDA\|VA)	4	$4,050,000	$1,012,500	$2,077	3.09%
Plymouth, IN (FHA\|USDA\|VA)	37	$3,965,000	$107,162	$1,151	3.07%
Sevierville, TN (FHA\|USDA\|VA)	6	$3,940,000	$656,667	$7,859	3.23%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	6	$3,940,000	$656,667	$5,357	3.10%
SAVANNAH, GA (FHA\|USDA\|VA)	12	$3,940,000	$328,333	$3,698	2.87%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$3,935,000	$3,935,000	$0	2.36%
PITTSFIELD, MA (FHA\|USDA\|VA)	11	$3,835,000	$348,636	$3,643	3.17%
Vineyard Haven, MA (FHA\|USDA\|VA)	4	$3,820,000	$955,000	$4,474	2.66%
Sturgis, MI (FHA\|USDA\|VA)	20	$3,750,000	$187,500	$1,711	3.00%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$3,725,000	$3,725,000	$0	3.83%
NAPA, CA (FHA\|USDA\|VA)	4	$3,710,000	$927,500	$4,312	2.63%
JACKSON, MI (FHA\|USDA\|VA)	17	$3,675,000	$216,176	$1,579	3.03%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	5	$3,615,000	$723,000	$4,200	2.85%
MISSOULA, MT (FHA\|USDA\|VA)	5	$3,585,000	$717,000	$6,483	2.78%
VISALIA, CA (FHA\|USDA\|VA)	7	$3,455,000	$493,571	$5,323	2.88%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	5	$3,195,000	$639,000	$3,698	2.96%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$3,195,000	$3,195,000	$0	3.83%
Wooster, OH (FHA\|USDA\|VA)	23	$3,165,000	$137,609	$1,753	3.54%
Corning, NY (FHA\|USDA\|VA)	8	$3,150,000	$393,750	$3,527	2.87%
Roseburg, OR (FHA\|USDA\|VA)	11	$3,075,000	$279,545	$3,861	3.08%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	11	$3,075,000	$279,545	$3,625	3.24%
Rutland, VT (FHA\|USDA\|VA)	19	$2,905,000	$152,895	$2,751	3.28%
OCALA, FL (FHA\|USDA\|VA)	11	$2,835,000	$257,727	$4,383	3.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	5	$2,825,000	$565,000	$5,731	2.67%
Bozeman, MT (FHA\|USDA\|VA)	4	$2,790,000	$697,500	$4,929	2.65%
VALLEJO, CA (FHA\|USDA\|VA)	4	$2,790,000	$697,500	$7,365	2.81%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA\|USDA\|VA)	6	$2,790,000	$465,000	$4,798	2.99%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	5	$2,675,000	$535,000	$4,824	2.70%
Kapaa, HI (FHA\|USDA\|VA)	3	$2,665,000	$888,333	$7,087	2.54%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	5	$2,645,000	$529,000	$6,294	2.69%
SAN ANGELO, TX (FHA\|USDA\|VA)	2	$2,570,000	$1,285,000	$7,435	4.33%
Barre, VT (FHA\|USDA\|VA)	13	$2,545,000	$195,769	$2,720	2.86%
BRUNSWICK, GA (FHA\|USDA\|VA)	3	$2,515,000	$838,333	$4,931	2.42%
CHEYENNE, WY (FHA\|USDA\|VA)	4	$2,490,000	$622,500	$5,760	2.78%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$2,405,000	$2,405,000	$0	2.71%
GAINESVILLE, FL (FHA\|USDA\|VA)	5	$2,345,000	$469,000	$8,613	2.85%
BLOOMINGTON, IL (FHA\|USDA\|VA)	2	$2,170,000	$1,085,000	$3,346	2.79%
Pottsville, PA (FHA\|USDA\|VA)	20	$2,140,000	$107,000	$1,475	3.69%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	4	$2,100,000	$525,000	$2,808	2.97%
PUEBLO, CO (FHA\|USDA\|VA)	8	$2,080,000	$260,000	$3,159	3.08%
WALLA WALLA, WA (FHA\|USDA\|VA)	5	$2,025,000	$405,000	$3,098	3.05%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$1,965,000	$1,965,000	$5,174	2.75%
Mountain Home, ID (FHA\|USDA\|VA)	7	$1,945,000	$277,857	$2,868	3.33%
Defiance, OH (FHA\|USDA\|VA)	15	$1,925,000	$128,333	$1,913	3.50%
Coos Bay, OR (FHA\|USDA\|VA)	4	$1,920,000	$480,000	$7,379	3.12%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	7	$1,915,000	$273,571	$3,840	3.05%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	7	$1,905,000	$272,143	$1,983	3.28%
SAN GERMÁN, PR (FHA\|USDA\|VA)	1	$1,855,000	$1,855,000	$0	3.65%
Concord, NH (FHA\|USDA\|VA)	5	$1,855,000	$371,000	$3,558	2.84%
Prineville, OR (FHA\|USDA\|VA)	3	$1,785,000	$595,000	$1,147	5.15%
Tiffin, OH (FHA\|USDA\|VA)	23	$1,765,000	$76,739	$1,354	3.58%
Hillsdale, MI (FHA\|USDA\|VA)	16	$1,740,000	$108,750	$1,480	3.27%
Klamath Falls, OR (FHA\|USDA\|VA)	9	$1,705,000	$189,444	$2,439	3.16%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	14	$1,670,000	$119,286	$1,318	3.54%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	7	$1,655,000	$236,429	$4,886	3.61%
Bennington, VT (FHA\|USDA\|VA)	7	$1,645,000	$235,000	$4,108	2.68%
EAU CLAIRE, WI (FHA\|USDA\|VA)	1	$1,635,000	$1,635,000	$0	2.71%
Cedar City, UT (FHA\|USDA\|VA)	2	$1,600,000	$800,000	$3,199	2.88%
THE VILLAGES, FL (FHA\|USDA\|VA)	5	$1,575,000	$315,000	$4,072	3.24%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	2	$1,570,000	$785,000	$5,369	3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	10	$1,550,000	$155,000	$1,480	3.40%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	7	$1,535,000	$219,286	$3,619	3.05%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	6	$1,530,000	$255,000	$2,871	2.77%
TALLAHASSEE, FL (FHA\|USDA\|VA)	3	$1,525,000	$508,333	$7,395	2.42%
FORT WAYNE, IN (FHA\|USDA\|VA)	11	$1,505,000	$136,818	$1,295	3.25%
Laconia, NH (FHA\|USDA\|VA)	4	$1,490,000	$372,500	$4,771	3.27%
MODESTO, CA (FHA\|USDA\|VA)	2	$1,410,000	$705,000	$3,230	2.94%
BAKERSFIELD, CA (FHA\|USDA\|VA)	3	$1,345,000	$448,333	$3,067	2.50%
Morehead City, NC (FHA\|USDA\|VA)	2	$1,340,000	$670,000	$5,240	2.38%
Mount Vernon, OH (FHA\|USDA\|VA)	6	$1,320,000	$220,000	$2,653	2.91%
Seneca Falls, NY (FHA\|USDA\|VA)	3	$1,255,000	$418,333	$3,798	2.96%
FLINT, MI (FHA\|USDA\|VA)	7	$1,225,000	$175,000	$2,282	4.15%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	2	$1,180,000	$590,000	$6,160	3.13%
ROCHESTER, MN (FHA\|USDA\|VA)	2	$1,180,000	$590,000	$3,140	2.19%
Ukiah, CA (FHA\|USDA\|VA)	2	$1,160,000	$580,000	$3,786	2.94%
Dixon, IL (FHA\|USDA\|VA)	1	$1,155,000	$1,155,000	$0	2.36%
Georgetown, SC (FHA\|USDA\|VA)	3	$1,125,000	$375,000	$3,361	2.63%
Oxford, MS (FHA\|USDA\|VA)	1	$1,125,000	$1,125,000	$5,960	3.00%
Eureka-Arcata, CA (FHA\|USDA\|VA)	2	$1,100,000	$550,000	$4,980	2.69%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	3	$1,085,000	$361,667	$3,091	2.71%
Othello, WA (FHA\|USDA\|VA)	5	$1,055,000	$211,000	$1,555	3.64%
MORGANTOWN, WV (FHA\|USDA\|VA)	1	$1,055,000	$1,055,000	$4,986	3.00%
La Grande, OR (FHA\|USDA\|VA)	3	$1,035,000	$345,000	$4,990	2.90%
JACKSON, TN (FHA\|USDA\|VA)	2	$1,030,000	$515,000	$3,653	2.56%
Keene, NH (FHA\|USDA\|VA)	8	$990,000	$123,750	$1,278	3.78%
St. Marys, GA (FHA\|USDA\|VA)	2	$990,000	$495,000	$4,049	2.44%
MADERA, CA (FHA\|USDA\|VA)	2	$980,000	$490,000	$3,846	2.44%
BLOOMINGTON, IN (FHA\|USDA\|VA)	8	$950,000	$118,750	$2,270	2.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	3	$945,000	$315,000	$4,599	2.75%
Fort Morgan, CO (FHA\|USDA\|VA)	4	$910,000	$227,500	$2,425	3.24%
YUMA, AZ (FHA\|USDA\|VA)	3	$905,000	$301,667	$4,145	3.97%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	3	$905,000	$301,667	$3,071	2.75%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	2	$900,000	$450,000	$3,903	2.75%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$890,000	$445,000	$2,211	2.69%
Helena, MT (FHA\|USDA\|VA)	1	$865,000	$865,000	$3,505	2.88%
MIDLAND, MI (FHA\|USDA\|VA)	2	$860,000	$430,000	$2,830	2.69%
Payson, AZ (FHA\|USDA\|VA)	2	$850,000	$425,000	$4,120	3.00%
MUNCIE, IN (FHA\|USDA\|VA)	7	$815,000	$116,429	$1,266	3.13%
Meadville, PA (FHA\|USDA\|VA)	11	$815,000	$74,091	$655	3.87%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	4	$810,000	$202,500	$3,312	2.84%
Lufkin, TX (FHA\|USDA\|VA)	1	$785,000	$785,000	$8,568	2.88%
LEWISTON, ID-WA (FHA\|USDA\|VA)	2	$780,000	$390,000	$5,962	3.06%
COLUMBUS, IN (FHA\|USDA\|VA)	4	$770,000	$192,500	$2,116	2.73%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$755,000	$755,000	$5,389	3.00%
BOWLING GREEN, KY (FHA\|USDA\|VA)	1	$745,000	$745,000	$9,372	2.63%
Athens, OH (FHA\|USDA\|VA)	3	$745,000	$248,333	$3,172	3.25%
LANCASTER, PA (FHA\|USDA\|VA)	5	$725,000	$145,000	$3,091	3.02%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$725,000	$725,000	$6,256	3.00%
MERCED, CA (FHA\|USDA\|VA)	2	$710,000	$355,000	$5,696	2.69%
Somerset, PA (FHA\|USDA\|VA)	3	$705,000	$235,000	$3,606	2.75%
Nacogdoches, TX (FHA\|USDA\|VA)	1	$705,000	$705,000	$10,535	2.63%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	6	$690,000	$115,000	$1,432	3.29%
JACKSONVILLE, NC (FHA\|USDA\|VA)	4	$670,000	$167,500	$2,686	3.41%
Safford, AZ (FHA\|USDA\|VA)	2	$660,000	$330,000	$6,168	2.81%
Kendallville, IN (FHA\|USDA\|VA)	7	$655,000	$93,571	$1,503	3.57%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$645,000	$645,000	$3,739	2.88%
Easton, MD (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,325	2.50%
Cañon City, CO (FHA\|USDA\|VA)	2	$630,000	$315,000	$3,114	2.81%
Sayre, PA (FHA\|USDA\|VA)	3	$625,000	$208,333	$4,983	2.71%
CARSON CITY, NV (FHA\|USDA\|VA)	1	$605,000	$605,000	$5,746	2.75%
Urbana, OH (FHA\|USDA\|VA)	4	$600,000	$150,000	$2,343	2.49%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$585,000	$585,000	$3,872	2.75%
ELMIRA, NY (FHA\|USDA\|VA)	3	$585,000	$195,000	$3,071	3.63%
Ashland, OH (FHA\|USDA\|VA)	5	$575,000	$115,000	$534	3.74%
CASPER, WY (FHA\|USDA\|VA)	2	$550,000	$275,000	$3,108	2.75%
Crawfordsville, IN (FHA\|USDA\|VA)	2	$540,000	$270,000	$4,007	2.50%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$535,000	$535,000	$2,468	3.25%
VALDOSTA, GA (FHA\|USDA\|VA)	2	$520,000	$260,000	$4,875	3.19%
GREAT FALLS, MT (FHA\|USDA\|VA)	1	$515,000	$515,000	$4,063	3.25%
Crossville, TN (FHA\|USDA\|VA)	2	$510,000	$255,000	$3,683	2.25%
Sunbury, PA (FHA\|USDA\|VA)	2	$500,000	$250,000	$7,024	3.24%
Brainerd, MN (FHA\|USDA\|VA)	1	$495,000	$495,000	$2,832	2.88%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	4	$490,000	$122,500	$1,277	3.29%
SPRINGFIELD, MO (FHA\|USDA\|VA)	2	$490,000	$245,000	$2,007	2.19%
Show Low, AZ (FHA\|USDA\|VA)	1	$485,000	$485,000	$4,161	2.25%
Natchez, MS-LA (FHA\|USDA\|VA)	1	$475,000	$475,000	$9,752	2.25%
Elko, NV (FHA\|USDA\|VA)	2	$470,000	$235,000	$2,735	2.75%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$465,000	$465,000	$4,299	3.25%
YORK-HANOVER, PA (FHA\|USDA\|VA)	3	$455,000	$151,667	$2,868	2.56%
Cullman, AL (FHA\|USDA\|VA)	1	$455,000	$455,000	$4,623	2.50%
Coldwater, MI (FHA\|USDA\|VA)	2	$450,000	$225,000	$488	2.58%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$445,000	$445,000	$2,036	2.00%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$435,000	$435,000	$4,422	3.13%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$425,000	$425,000	$7,220	3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$425,000	$425,000	$6,776	2.88%
Price, UT (FHA\|USDA\|VA)	1	$425,000	$425,000	$3,604	2.99%
JOHNSON CITY, TN (FHA\|USDA\|VA)	3	$415,000	$138,333	$3,260	3.42%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,874	3.25%
WACO, TX (FHA\|USDA\|VA)	1	$415,000	$415,000	$5,473	2.25%
Winnemucca, NV (FHA\|USDA\|VA)	1	$385,000	$385,000	$3,063	2.88%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$375,000	$375,000	$6,092	2.50%
Sterling, CO (FHA\|USDA\|VA)	3	$365,000	$121,667	$1,860	2.56%
Bellefontaine, OH (FHA\|USDA\|VA)	1	$355,000	$355,000	$4,296	2.75%
Oskaloosa, IA (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,202	2.75%
Elizabeth City, NC (FHA\|USDA\|VA)	2	$350,000	$175,000	$2,930	2.75%
Sonora, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,877	2.38%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	1	$335,000	$335,000	$2,807	2.75%
Frankfort, IN (FHA\|USDA\|VA)	5	$325,000	$65,000	$1,325	4.01%
New Castle, PA (FHA\|USDA\|VA)	2	$320,000	$160,000	$4,357	3.64%
Peru, IN (FHA\|USDA\|VA)	4	$320,000	$80,000	$1,379	3.18%
Indiana, PA (FHA\|USDA\|VA)	1	$315,000	$315,000	$7,500	3.75%
ALTOONA, PA (FHA\|USDA\|VA)	1	$305,000	$305,000	$5,478	2.75%
Nogales, AZ (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,424	2.63%
Moscow, ID (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,696	2.88%
Berlin, NH (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,540	3.13%
Fernley, NV (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,018	2.99%
Bardstown, KY (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,248	3.50%
Mason City, IA (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,492	2.75%
STATE COLLEGE, PA (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,166	2.25%
Sault Ste. Marie, MI (FHA\|USDA\|VA)	1	$265,000	$265,000	$963	2.90%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	2	$260,000	$130,000	$2,067	3.64%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,659	3.00%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,247	2.50%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,379	3.25%
New Castle, IN (FHA\|USDA\|VA)	5	$255,000	$51,000	$490	4.49%
REDDING, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,847	2.75%
Hobbs, NM (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,959	2.00%
Pullman, WA (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	3.38%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,076	3.25%
ABILENE, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,767	2.88%
Celina, OH (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,772	2.25%
Boone, NC (FHA\|USDA\|VA)	1	$215,000	$215,000	$815	2.41%
Auburn, IN (FHA\|USDA\|VA)	2	$210,000	$105,000	$490	3.04%
Washington, IN (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,981	3.13%
DALTON, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	3.50%
Logansport, IN (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,204	3.75%
Greensburg, IN (FHA\|USDA\|VA)	2	$200,000	$100,000	$1,575	3.00%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,210	2.99%
Glasgow, KY (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,784	3.38%
Ruidoso, NM (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,502	2.38%
Greenwood, SC (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.50%
Clovis, NM (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	3.50%
JOHNSTOWN, PA (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,145	3.50%
Ludington, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$492	3.35%
Bradford, PA (FHA\|USDA\|VA)	2	$180,000	$90,000	$2,589	2.85%
Greenville, OH (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,323	2.75%
Gaffney, SC (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,372	4.25%
Cullowhee, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,167	2.38%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,918	2.99%
Marion, OH (FHA\|USDA\|VA)	2	$160,000	$80,000	$972	5.05%
Alma, MI (FHA\|USDA\|VA)	1	$155,000	$155,000	$893	4.41%
Scottsburg, IN (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,311	2.13%
GREEN BAY, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,031	3.00%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,031	3.38%
Vernal, UT (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,899	2.25%
Woodward, OK (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,203	2.75%
Riverton, WY (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,090	3.13%
LEBANON, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$497	3.05%
St. Marys, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,563	2.25%
Jacksonville, IL (FHA\|USDA\|VA)	1	$125,000	$125,000	$1,386	2.75%
DuBois, PA (FHA\|USDA\|VA)	1	$125,000	$125,000	$497	2.89%
CLEVELAND, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,195	2.88%
LIMA, OH (FHA\|USDA\|VA)	3	$125,000	$41,667	$756	4.40%
Harrison, AR (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.50%
Lewistown, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,263	2.50%
Macomb, IL (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,811	3.25%
Montrose, CO (FHA\|USDA\|VA)	1	$95,000	$95,000	$3,640	3.38%
CHICO, CA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.04%
Marion, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,185	2.75%
Big Rapids, MI (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	7.03%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,885	2.88%
RACINE, WI (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	2.55%
ALBANY, GA (FHA\|USDA\|VA)	1	$45,000	$45,000	$3,019	3.12%

Keybank's top markets include Seattle, Denver, Portland, Cleveland, and Buffalo among others.

Similar Lenders

We use machine learning to identify the top lenders compared against KeyBank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Watertown Savings Bank
Similarity Rank: 8

Bay Area Credit Union, Inc.
Similarity Rank: 12

Gouverneur Savings and Loan Association
Similarity Rank: 33

HONOLULU
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SECNY Federal Credit Union
Similarity Rank: 57

Crossroads Bank
Similarity Rank: 110

ALOHA PACIFIC
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BEACON CREDIT UNION
Similarity Rank: 144

First Federal Savings and Loan Association of Delta
Similarity Rank: 150

Middlesex Savings Bank
Similarity Rank: 174

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	41,680	$22,948,370,000	$550,585	$3,203	2.91%
HELOC	10,238	$1,495,580,000	$146,081	n/a	4.52%
FHA	350	$532,210,000	$1,520,600	$7,581	2.87%
VA	98	$27,570,000	$281,327	$6,152	2.77%

For 2021, Keybank's most frequently originated type of loan was Conventional, with 41,680 originations. Their 2nd most popular type was HELOC, with 10,238 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	23,256	$10,644,350,000	$457,703	$2,061	2.98%
Home Purchase	12,081	$10,449,055,000	$864,916	$5,473	2.80%
Other	6,838	$1,131,680,000	$165,499	$2,544	4.43%
Cash Out Refi	5,783	$2,218,515,000	$383,627	$4,006	2.83%
Home Improvement	4,408	$560,130,000	$127,071	$722	4.30%

For 2021, Keybank's most frequently cited loan purpose was Refi, with 23,256 originations. The 2nd most popular reason was Home Purchase, with 12,081 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	34,560	$14,196,340,000	$410,774	$4,349	3.38%
15 Year	8,759	$2,340,495,000	$267,210	$1,976	2.75%
20 Year	3,249	$843,135,000	$259,506	$1,859	3.31%
10 Year	3,092	$4,123,190,000	$1,333,503	$1,077	2.81%
Other	2,003	$2,457,155,000	$1,226,737	$1,304	3.25%
5 Year	647	$115,315,000	$178,230	$542	2.77%
3 Year	36	$449,900,000	$12,497,222	$526	2.97%
30+ year	20	$478,200,000	$23,910,000	$0	2.54%

For 2021, Keybank's most frequently cited loan duration was 30 Year, with 34,560 originations. The 2nd most popular length was 15 Year, with 8,759 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	20,651	$9,874,265,000	$478,149
$<1k	13,671	$1,650,285,000	$120,714
$2k-3k	2,517	$1,294,285,000	$514,217
$5k+	1,150	$1,019,300,000	$886,348
$3k-4k	1,101	$671,895,000	$610,259
$4k-5k	597	$415,935,000	$696,709

Keybank's average total fees were $4,349, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 20,651 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	20,875	$10,224,005,000	$489,773
3-4%	12,484	$6,278,860,000	$502,953
<2.5%	11,413	$7,194,155,000	$630,347
4-5%	3,385	$825,065,000	$243,742
5-6%	2,096	$332,620,000	$158,693
6-7%	1,227	$78,275,000	$63,794
7-8%	607	$26,985,000	$44,456
Over 8%	276	$9,540,000	$34,565

During 2021, Keybank's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 2.5-3%, with 20,875 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	13,788	$839,010,000	$60,851	$848	3.89%
$100k-200k	13,239	$1,886,095,000	$142,465	$2,090	3.25%
$200k-400k	11,783	$3,284,365,000	$278,738	$3,353	2.99%
$600k-1MM	5,209	$4,035,795,000	$774,773	$5,695	2.68%
$400k-600k	4,649	$2,271,455,000	$488,590	$4,659	2.88%
$1MM+	3,698	$12,687,010,000	$3,430,776	$7,318	2.59%

2021 saw Keybank place emphasis on $100,000 or less loans with 13,788 originations, totaling $839,010,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	9,567	$2,483,975,000	$259,640	$3,020	3.29%
$150k-250k	9,074	$4,063,320,000	$447,798	$4,124	3.15%
$50k-75k	8,960	$1,286,970,000	$143,635	$2,172	3.32%
$250k+	8,583	$6,872,085,000	$800,662	$5,894	2.93%
$50k or less	7,023	$725,925,000	$103,364	$1,707	3.36%
$75k-100k	6,987	$1,237,025,000	$177,047	$2,380	3.31%

Keybank lent most frequently to those with incomes in the $100k-150k range, with 9,567 originations. The second most popular income band? $150k-250k, with 9,074 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	12,354	$3,840,170,000	$310,844	$3,019	3.11%
30-36%	8,947	$2,992,135,000	$334,429	$3,321	3.18%
<20%	5,630	$1,845,650,000	$327,824	$3,036	2.95%
50-60%	3,614	$517,710,000	$143,251	$872	4.06%
44%	1,766	$601,250,000	$340,459	$3,680	3.34%
42%	1,677	$614,325,000	$366,324	$3,698	3.21%
43%	1,654	$591,480,000	$357,606	$3,628	3.27%
36%	1,635	$555,345,000	$339,661	$3,401	3.19%
39%	1,596	$584,940,000	$366,504	$3,596	3.21%
38%	1,592	$561,380,000	$352,626	$3,547	3.20%
41%	1,587	$589,265,000	$371,307	$3,616	3.23%
40%	1,535	$562,325,000	$366,336	$3,532	3.20%
37%	1,529	$516,105,000	$337,544	$3,251	3.19%
49%	1,439	$553,625,000	$384,729	$3,867	3.24%
45%	1,415	$539,665,000	$381,389	$3,772	3.32%
47%	1,333	$532,075,000	$399,156	$3,681	3.20%
48%	1,329	$540,965,000	$407,047	$3,748	3.24%
46%	1,325	$529,315,000	$399,483	$3,734	3.22%
>60%	23	$2,465,000	$107,174	$1,375	3.85%

Keybank lent most frequently to those with DTI ratios of 20-30%, with 12,354 originations. The next most common DTI ratio? 30-36%, with 8,947 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	36,805	$9,465,395,000	$257,177	$2,815	3.34%
Not applicable	367	$7,928,925,000	$21,604,700	$0	3.21%
Not provided	9,288	$4,184,480,000	$450,525	$3,920	2.96%
Asian	4,377	$3,113,685,000	$711,374	$5,070	2.71%
Black	1,153	$219,995,000	$190,802	$2,879	3.39%
American Indian	162	$33,730,000	$208,210	$2,184	3.75%
Asian Indian	102	$27,830,000	$272,843	$1,557	3.67%
Native Hawaiian or Islander	76	$20,430,000	$268,816	$3,197	3.43%
Other Asian	14	$4,350,000	$310,714	$3,021	3.75%
Korean	3	$1,445,000	$481,667	$1,699	3.28%
Vietnamese	6	$1,220,000	$203,333	$1,797	3.90%
Other Pacific Islander	3	$805,000	$268,333	$3,795	2.85%
Chinese	4	$800,000	$200,000	$500	4.26%
Japanese	3	$395,000	$131,667	$0	4.02%
Filipino	2	$190,000	$95,000	$0	5.39%
Guamanian	1	$55,000	$55,000	$0	5.15%

Approval Rates

Total approvals of all applications
86.13%

Keybank has an average approval rate.

Pick Rate

Approvals leading to origination
88.03%

Keybank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	52,366	$25,003,730,000	$477,480

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	52,366	$25,003,730,000	$477,480

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	8,897	$1,543,045,000	$173,434	$1,509	3.40%
40-60%	10,365	$4,715,055,000	$454,902	$2,504	2.95%
60-80%	16,237	$12,215,865,000	$752,347	$3,440	2.96%
80-100%	10,118	$5,866,590,000	$579,817	$5,126	2.86%
Over 100%	6	$74,160,000	$12,360,000	$10,093	2.70%
Under 20%	6,647	$517,685,000	$77,883	$765	4.62%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Keybank National Association	1 Washington Center Newburgh, NY 12550	Limited, Administrative	$0
Keybank National Association	100 Seventh Street Zillah, WA 98953	Full Service B&M	$80,314
Keybank National Association	100 South Main Street Youngstown, OH 44514	Full Service B&M	$103,480
Keybank National Association	100 South Peru Street Cicero, IN 46034	Full Service B&M	$57,909
Keybank National Association	100 West Allegheny Road Imperial, PA 15126	Full Service B&M	$124,559
Keybank National Association	100 West Michigan Avenue Saline, MI 48176	Full Service B&M	$90,190
Keybank National Association	1000 Hylan Dr. Rochester, NY 14623	Full Service B&M	$169,563
Keybank National Association	1000 Lakeway Drive Bellingham, WA 98229	Full Service B&M	$60,140
Keybank National Association	1000 Meridian East Milton, WA 98354	Full Service B&M	$88,051
Keybank National Association	1001 Ashland Road Mansfield, OH 44905	Full Service B&M	$51,500
Keybank National Association	1001 Main Street, Suite 120 Buffalo, NY 14203	Full Service B&M	$61,196
Keybank National Association	1005 Elmgrove Road Rochester, NY 14624	Full Service B&M	$94,072
Keybank National Association	101 Center Street West Eatonville, WA 98328	Full Service B&M	$80,265
Keybank National Association	10951 South Parker Road Parker, CO 80134	Full Service B&M	$50,628
Keybank National Association	1026 Main Street Branford, CT 6405	Full Service B&M	$188,008
Keybank National Association	103 Main Street Cooperstown, NY 13326	Full Service B&M	$86,648
Keybank National Association	103 South Peterboro Street Canastota, NY 13032	Full Service B&M	$35,531
Keybank National Association	10304 Se 256th Street Kent, WA 98030	Full Service B&M	$55,709
Keybank National Association	1031 State Route 17 K Montgomery, NY 12549	Full Service B&M	$95,903
Keybank National Association	1042 Hope Street Stamford, CT 6907	Full Service B&M	$53,060
Keybank National Association	10439 Gravelly Lake Drive Sw Tacoma, WA 98499	Full Service B&M	$86,438
Keybank National Association	10470 Park Meadows Drive Littleton, CO 80124	Full Service B&M	$38,808
Keybank National Association	105 East Calistoga Street Orting, WA 98360	Full Service B&M	$56,377
Keybank National Association	105 North Arthur Street Pocatello, ID 83204	Full Service B&M	$52,557
Keybank National Association	1050 East Philadelphia Avenue Gilbertsville, PA 19525	Full Service B&M	$125,602
Keybank National Association	10502 East Arizona Place Aurora, CO 80012	Full Service B&M	$41,665
Keybank National Association	1098 South 300 West Salt Lake City, UT 84101	Full Service B&M	$58,034
Keybank National Association	11 Division Street Amsterdam, NY 12010	Full Service B&M	$120,106
Keybank National Association	11 East 22nd Street New York City, NY 10010	Full Service B&M	$28,675
Keybank National Association	11 Stanwix Street Pittsburgh, PA 15222	Full Service B&M	$22,683
Keybank National Association	11 West Main Street Wakeman, OH 44889	Full Service B&M	$79,524
Keybank National Association	110 East Main Street Rexburg, ID 83440	Full Service B&M	$80,459
Keybank National Association	110 Main Street Waterville, ME 4901	Full Service B&M	$93,902
Keybank National Association	110 Washington Avenue North Haven, CT 6473	Full Service B&M	$185,964
Keybank National Association	1100 Yelm Avenue, E Yelm, WA 98597	Full Service B&M	$95,497
Keybank National Association	1101 Pacific Ave Tacoma, WA 98402	Full Service B&M	$577,768
Keybank National Association	111 Main Street Belfast, ME 4915	Full Service B&M	$74,410
Keybank National Association	1115 30th Street, N.W. Canton, OH 44709	Full Service B&M	$115,526
Keybank National Association	112 Grand Concourse Albany, NY 12220	Full Service B&M	$80,669
Keybank National Association	115 East Airport Highway Swanton, OH 43558	Full Service B&M	$58,062
Keybank National Association	115 Genesee Street Auburn, NY 13021	Full Service B&M	$125,207
Keybank National Association	115 South Main Street New City, NY 10956	Full Service B&M	$188,231
Keybank National Association	1151 E Hoffer St Kokomo, IN 46902	Full Service B&M	$209,868
Keybank National Association	1157 Highland Avenue Cheshire, CT 6410	Full Service B&M	$62,631
Keybank National Association	11665 Sw Pacific Hwy. Tigard, OR 97223	Full Service B&M	$50,909
Keybank National Association	117 South Granite Avenue Granite Falls, WA 98252	Full Service B&M	$55,795
Keybank National Association	117 Veterans Drive Cobleskill, NY 12043	Full Service B&M	$65,405
Keybank National Association	117 West Main Street Endicott, NY 13760	Full Service B&M	$100,599
Keybank National Association	11700 Mukilteo Speedway Mukilteo, WA 98275	Full Service B&M	$46,826
Keybank National Association	1180 West River Road Elyria, OH 44035	Full Service B&M	$31,696
Keybank National Association	1185 University Avenue Rochester, NY 14607	Full Service B&M	$133,374
Keybank National Association	119 Congress Street Rumford, ME 4276	Full Service B&M	$40,477
Keybank National Association	120 West Streetsboro Road Hudson, OH 44236	Full Service B&M	$190,849
Keybank National Association	1200 12th Street Bellingham, WA 98225	Full Service B&M	$61,624
Keybank National Association	1202 North 40th Avenue Yakima, WA 98908	Full Service B&M	$89,802
Keybank National Association	1203 Ulster Avenue Kingston, NY 12401	Full Service B&M	$115,470
Keybank National Association	1205 Northeast 102nd Portland, OR 97220	Full Service B&M	$104,406
Keybank National Association	121 East Vistula Street Bristol, IN 46507	Full Service B&M	$37,044
Keybank National Association	121 South First Street Fulton, NY 13069	Full Service B&M	$34,405
Keybank National Association	121 West Manlius Street East Syracuse, NY 13057	Full Service B&M	$111,657
Keybank National Association	12101 E. Dartmouth Ave Ste 100 Aurora, CO 80014	Full Service B&M	$76,395
Keybank National Association	1212 Cole Street Enumclaw, WA 98022	Full Service B&M	$102,965
Keybank National Association	1215 Oak Harbor Road Fremont, OH 43420	Full Service B&M	$66,557
Keybank National Association	1217 Crator Lake Avenue Medford, OR 97504	Full Service B&M	$98,608
Keybank National Association	1217 N.E. 99th, Suite 101 Vancouver, WA 98665	Full Service B&M	$46,735
Keybank National Association	1260 South Buckley Road Aurora, CO 80017	Full Service B&M	$21,053
Keybank National Association	12604 Totem Lake Blvd Kirkland, WA 98034	Full Service B&M	$70,783
Keybank National Association	127 Public Sq Cleveland, OH 44114	Full Service B&M	$18,187,761
Keybank National Association	127 West Main Street Lebanon, IN 46052	Full Service B&M	$61,335
Keybank National Association	12744 Southwest North Dakota Street Tigard, OR 97223	Full Service B&M	$78,739
Keybank National Association	128 3rd Ave Sw Albany, OR 97321	Full Service B&M	$103,146
Keybank National Association	12801 Colorado Blvd. Thornton, CO 80241	Full Service B&M	$29,631
Keybank National Association	12830 University Drive Fort Myers, FL 33907	Full Service B&M	$5,011
Keybank National Association	13 West Ridge Street Lansford, PA 18232	Full Service B&M	$51,259
Keybank National Association	1300 State Street Marysville, WA 98270	Full Service B&M	$85,060
Keybank National Association	1301 Bay Street Port Orchard, WA 98366	Full Service B&M	$47,980
Keybank National Association	1301 Overland Avenue Burley, ID 83318	Full Service B&M	$71,959
Keybank National Association	1301 Wintergreen Lane Ne Bainbridge Island, WA 98110	Full Service B&M	$33,878
Keybank National Association	1305 East 86th Street Indianapolis, IN 46240	Full Service B&M	$71,814
Keybank National Association	1308 Washington Street Watertown, NY 13601	Full Service B&M	$53,877
Keybank National Association	131 Oriskany Boulevard Whitesboro, NY 13492	Full Service B&M	$93,820
Keybank National Association	1314 Front Street Binghamton, NY 13901	Full Service B&M	$86,621
Keybank National Association	13215 S.E. Mill Plain Boulevard Vancouver, WA 98684	Full Service B&M	$35,309
Keybank National Association	13245 Aurora Avenue North Seattle, WA 98133	Full Service B&M	$21,190
Keybank National Association	1325 Avenue D Snohomish, WA 98290	Full Service B&M	$72,061
Keybank National Association	13279 Harrell Parkway Noblesville, IN 46060	Full Service B&M	$35,182
Keybank National Association	1329 Fourth Avenue Seattle, WA 98101	Full Service B&M	$94,338
Keybank National Association	133 East Main Street Plainville, CT 6062	Full Service B&M	$22,041
Keybank National Association	135 Main Street Freeport, ME 4032	Full Service B&M	$46,701
Keybank National Association	1352 South Main Street Adrian, MI 49221	Full Service B&M	$65,899
Keybank National Association	1360 Michigan Avenue Waterville, OH 43566	Full Service B&M	$92,839
Keybank National Association	1411 West Columbia Road Westlake, OH 44145	Full Service B&M	$109,931
Keybank National Association	1420 Denver West Boulevard Lakewood, CO 80401	Full Service B&M	$64,738
Keybank National Association	1425 East 72nd Street Tacoma, WA 98404	Full Service B&M	$50,838
Keybank National Association	1435 W 9000 S West Jordan, UT 84088	Full Service B&M	$67,643
Keybank National Association	1435 Warren Road Lakewood, OH 44107	Full Service B&M	$240,680
Keybank National Association	144 High Street Caribou, ME 4736	Full Service B&M	$51,669
Keybank National Association	14412 Orchard Pkwy Westminster, CO 80023	Full Service B&M	$30,708
Keybank National Association	1442 East Michigan Avenue Ypsilanti, MI 48198	Full Service B&M	$84,010
Keybank National Association	145 Eastern Boulevard Canandaigua, NY 14424	Full Service B&M	$69,982
Keybank National Association	145 North Chestnut Street Ravenna, OH 44266	Full Service B&M	$69,167
Keybank National Association	1455 French Road Depew, NY 14043	Full Service B&M	$423,239
Keybank National Association	1468 West Gore Road Erie, PA 16509	Full Service B&M	$59,659
Keybank National Association	1475 Mount Hope Avenue Rochester, NY 14620	Full Service B&M	$70,019
Keybank National Association	1500 West 25th Street Cleveland, OH 44113	Full Service B&M	$58,812
Keybank National Association	15000 St. Clair Avenue Cleveland, OH 44110	Full Service B&M	$78,828
Keybank National Association	1505 Rt 22 Brewster, NY 10509	Full Service B&M	$88,486
Keybank National Association	1509 Freeport Road Natrona Heights, PA 15065	Full Service B&M	$74,129
Keybank National Association	1510 West Genesee St Syracuse, NY 13204	Full Service B&M	$45,134
Keybank National Association	15110 Ne 24th Street Redmond, WA 98052	Full Service B&M	$99,755
Keybank National Association	15117 Meridian, E Puyallup, WA 98373	Full Service B&M	$52,990
Keybank National Association	1515 North Whitley Drive Fruitland, ID 83619	Full Service B&M	$53,815
Keybank National Association	1521 South 8th Street Colorado Springs, CO 80906	Full Service B&M	$48,903
Keybank National Association	1532 Northeast 181st Street Portland, OR 97230	Full Service B&M	$30,884
Keybank National Association	1532 Route 9 Clifton Park, NY 12065	Full Service B&M	$137,134
Keybank National Association	1535 North Telegraph Road Monroe, MI 48162	Full Service B&M	$111,895
Keybank National Association	1536 North West Market Street Seattle, WA 98107	Full Service B&M	$99,848
Keybank National Association	154 Quaker Road Queensbury, NY 12804	Full Service B&M	$121,954
Keybank National Association	1551 Valley Forge Road Lansdale, PA 19446	Full Service B&M	$111,926
Keybank National Association	1555 Route 9 Wappingers Falls, NY 12590	Full Service B&M	$110,385
Keybank National Association	1555 Snow Creek Drive Park City, UT 84060	Full Service B&M	$65,512
Keybank National Association	15590 E. Broncos Pkwy Centennial, CO 80112	Full Service B&M	$38,511
Keybank National Association	15590 West 64th Avenue Arvada, CO 80007	Full Service B&M	$48,763
Keybank National Association	15805 S.W. 116th Avenue King City, OR 97224	Full Service B&M	$56,275
Keybank National Association	1593 Washington Pike Bridgeville, PA 15017	Full Service B&M	$85,638
Keybank National Association	16 Coleman St Chatham, NY 12037	Full Service B&M	$97,722
Keybank National Association	160 Fairview Avenue Ste 123 Hudson, NY 12534	Full Service B&M	$260,332
Keybank National Association	1600 Commercial Avenue Anacortes, WA 98221	Full Service B&M	$37,334
Keybank National Association	1609 Main Street Pleasant Valley, NY 12569	Full Service B&M	$66,981
Keybank National Association	161 East Market Street Nappanee, IN 46550	Full Service B&M	$52,120
Keybank National Association	1610 West Oak Street Zionsville, IN 46077	Full Service B&M	$37,079
Keybank National Association	1612 Broadway Toledo, OH 43609	Full Service B&M	$31,753
Keybank National Association	162 High Street Ellsworth, ME 4605	Full Service B&M	$42,680
Keybank National Association	1620 East State Road 44 Shelbyville, IN 46176	Full Service B&M	$133,687
Keybank National Association	1620 South Water Street Kent, OH 44240	Full Service B&M	$104,002
Keybank National Association	16202 Bothell Everett Hwy Mill Creek, WA 98012	Full Service B&M	$73,931
Keybank National Association	16210 Bryant Rd Lake Oswego, OR 97035	Full Service B&M	$116,446
Keybank National Association	1625 Mohawk Rd Springfield, OR 97477	Full Service B&M	$78,822
Keybank National Association	163 Providence Street Putnam, CT 6260	Full Service B&M	$75,694
Keybank National Association	1633 East First Street Port Angeles, WA 98362	Full Service B&M	$64,395
Keybank National Association	164 Middletown Road Columbia, CT 6237	Full Service B&M	$68,931
Keybank National Association	16401 Redmond Way Redmond, WA 98052	Full Service B&M	$144,265
Keybank National Association	1646 Williams Highway Grants Pass, OR 97527	Full Service B&M	$59,428
Keybank National Association	1650 East Fairview Avenue Meridian, ID 83642	Full Service B&M	$73,606
Keybank National Association	1665 Blue Lakes Boulevard North Twin Falls, ID 83303	Full Service B&M	$52,201
Keybank National Association	1672 West Fifth Avenue Columbus, OH 43212	Full Service B&M	$74,135
Keybank National Association	1674 County Route 7a Copake, NY 12516	Full Service B&M	$99,310
Keybank National Association	1675 Broadway Denver, CO 80202	Full Service B&M	$3,353,553
Keybank National Association	1675 Walden Avenue Cheektowaga, NY 14225	Full Service B&M	$285,446
Keybank National Association	16796 East Smoky Hill Rd Aurora, CO 80015	Full Service B&M	$28,201
Keybank National Association	17 Elm Street Potsdam, NY 13676	Full Service B&M	$109,414
Keybank National Association	17 South Broadway Nyack, NY 10960	Full Service B&M	$149,894
Keybank National Association	170 South Highland Avenue Ossining, NY 10562	Full Service B&M	$116,266
Keybank National Association	1700 North 45th Street Seattle, WA 98103	Full Service B&M	$75,238
Keybank National Association	1700 Park Street Hartford, CT 6106	Full Service B&M	$29,311
Keybank National Association	1703 Route 9 Clifton Park, NY 12065	Full Service B&M	$318,399
Keybank National Association	1708 Broadway Schenectady, NY 12306	Full Service B&M	$116,406
Keybank National Association	1710 North High Street Columbus, OH 43201	Full Service B&M	$10,475
Keybank National Association	17138 Lorain Avenue Cleveland, OH 44111	Full Service B&M	$94,836
Keybank National Association	1715 Foxon Road North Branford, CT 6471	Full Service B&M	$83,574
Keybank National Association	172 Maine Street Brunswick, ME 4011	Full Service B&M	$186,430
Keybank National Association	1725 Black River Boulevard Rome, NY 13440	Full Service B&M	$101,815
Keybank National Association	1730 Murray Avenue Pittsburgh, PA 15217	Full Service B&M	$149,757
Keybank National Association	17311 Smokey Point Drive Arlington, WA 98223	Full Service B&M	$64,265
Keybank National Association	17333 Southpark Center Strongsville, OH 44136	Full Service B&M	$206,099
Keybank National Association	17455 Sw Farmington Road Aloha, OR 97007	Full Service B&M	$109,713
Keybank National Association	175 Harrisville Road Ogden, UT 84404	Full Service B&M	$74,582
Keybank National Association	175 West Road Ellington, CT 6029	Full Service B&M	$80,153
Keybank National Association	1750 Hudson Street Longview, WA 98632	Full Service B&M	$52,543
Keybank National Association	1750 Northwood Plaza Franklin, IN 46131	Full Service B&M	$90,570
Keybank National Association	17500 Aurora Avenue, North Seattle, WA 98133	Full Service B&M	$124,858
Keybank National Association	17601 Pacific Avenue Spanaway, WA 98387	Full Service B&M	$79,785
Keybank National Association	1761 Post Road Fairfield, CT 6824	Full Service B&M	$40,431
Keybank National Association	17747 Chillicothe Road Chagrin Falls, OH 44023	Full Service B&M	$133,040
Keybank National Association	17818 First Avenue South Seattle, WA 98148	Full Service B&M	$48,609
Keybank National Association	1795 Williston Road, P.O. Box 949 South Burlington, VT 5403	Full Service B&M	$114,316
Keybank National Association	18 Tower Lane New Haven, CT 6519	Limited, Mobile/Seasonal Office	$2,451
Keybank National Association	18 West Franklin Street Bellbrook, OH 45305	Full Service B&M	$66,404
Keybank National Association	18 West Main Street Amelia, OH 45102	Full Service B&M	$74,058
Keybank National Association	180 Telegraph Road Bellingham, WA 98226	Full Service B&M	$97,956
Keybank National Association	1801 Route 286 Pittsburgh, PA 15239	Full Service B&M	$71,547
Keybank National Association	1804 North Broad Street Lansdale, PA 19446	Full Service B&M	$88,937
Keybank National Association	1808 Snow Road Parma, OH 44134	Full Service B&M	$93,301
Keybank National Association	1815 Portland Road Newberg, OR 97132	Full Service B&M	$76,361
Keybank National Association	1817 Columbia Turnpike South Schodack, NY 12033	Full Service B&M	$103,799
Keybank National Association	1817 Nw 9th Street Corvallis, OR 97330	Full Service B&M	$43,281
Keybank National Association	1825 Washington Road Pittsburgh, PA 15241	Full Service B&M	$231,725
Keybank National Association	183 East Main Street Ashland, OR 97520	Full Service B&M	$83,640
Keybank National Association	18324 Bagley Road Middleburg Heights, OH 44130	Full Service B&M	$156,552
Keybank National Association	1836 Coventry Road Cleveland, OH 44118	Full Service B&M	$100,691
Keybank National Association	184 South Union Street Spencerport, NY 14559	Full Service B&M	$82,663
Keybank National Association	1848 Empire Boulevard Webster, NY 14580	Full Service B&M	$164,384
Keybank National Association	185 Main St Brattleboro, VT 5301	Full Service B&M	$44,746
Keybank National Association	185 Route 7 Milton, VT 5468	Full Service B&M	$53,580
Keybank National Association	185 South State Street Orem, UT 84058	Full Service B&M	$123,565
Keybank National Association	1851 Bethlehem Pike Flourtown, PA 19031	Full Service B&M	$23,591
Keybank National Association	1858 South Wadsworth Boulevard Lakewood, CO 80232	Full Service B&M	$66,227
Keybank National Association	186 Granville Street Gahanna, OH 43230	Full Service B&M	$112,298
Keybank National Association	18650 S.W. Boones Ferry Road Tualatin, OR 97062	Full Service B&M	$85,967
Keybank National Association	188 Main Street Yarmouth, ME 4096	Full Service B&M	$114,142
Keybank National Association	19 South Beeson Boulevard Uniontown, PA 15401	Full Service B&M	$161,558
Keybank National Association	1900 Central Avenue Albany, NY 12205	Full Service B&M	$68,736
Keybank National Association	1901 North Wayne Street Angola, IN 46703	Full Service B&M	$72,279
Keybank National Association	1902 - 110th Street, S.E. Everett, WA 98208	Full Service B&M	$50,777
Keybank National Association	1908 State Road Cuyahoga Falls, OH 44223	Full Service B&M	$67,015
Keybank National Association	19161 Southeast Mill Plain Boulevard Vancouver, WA 98683	Full Service B&M	$58,766
Keybank National Association	1918 Southwest Campus Drive Federal Way, WA 98023	Full Service B&M	$69,878
Keybank National Association	1920 1st Ave S Seattle, WA 98134	Full Service B&M	$40,479
Keybank National Association	1920 Tiffin Avenue Findlay, OH 45840	Full Service B&M	$59,974
Keybank National Association	1920 Twelfth Street Hood River, OR 97031	Full Service B&M	$107,394
Keybank National Association	19234 Detroit Road Rocky River, OH 44116	Full Service B&M	$74,452
Keybank National Association	1930 Niagara Falls Boulevard Tonawanda, NY 14150	Full Service B&M	$251,066
Keybank National Association	1933 28th St Boulder, CO 80301	Full Service B&M	$70,855
Keybank National Association	1933 West Henderson Road Upper Arlington, OH 43220	Full Service B&M	$35,729
Keybank National Association	1939 West 4700 South Taylorsville, UT 84118	Full Service B&M	$51,644
Keybank National Association	1941 Route 52 Hopewell Junction, NY 12533	Full Service B&M	$100,618
Keybank National Association	1942 East 105th Street Cleveland, OH 44106	Full Service B&M	$86,635
Keybank National Association	195 Church Street New Haven, CT 6510	Full Service B&M	$240,352
Keybank National Association	19649 Highway 410 East Bonney Lake, WA 98391	Full Service B&M	$96,778
Keybank National Association	19730 Darden Road South Bend, IN 46637	Full Service B&M	$31,770
Keybank National Association	19735 10th Ave Ne Poulsbo, WA 98370	Full Service B&M	$42,597
Keybank National Association	19747 Old Highway 99 Sw Rochester, WA 98579	Full Service B&M	$65,510
Keybank National Association	1980 River Road Eugene, OR 97404	Full Service B&M	$60,520
Keybank National Association	19820 44th Avenue West Lynnwood, WA 98036	Full Service B&M	$93,061
Keybank National Association	19830 S.E. Highway 212 Damascus, OR 97015	Full Service B&M	$84,313
Keybank National Association	1990 East Dublin-Granville Road Columbus, OH 43229	Full Service B&M	$57,042
Keybank National Association	2 Franklin Avenue Clinton, NY 13323	Full Service B&M	$55,877
Keybank National Association	2 Glocker Way Pottstown, PA 19465	Full Service B&M	$56,458
Keybank National Association	2 Middle River Drive Stafford Springs, CT 6076	Full Service B&M	$49,431
Keybank National Association	2 Scammon Street Saco, ME 4072	Full Service B&M	$83,275
Keybank National Association	20 Cedar Street Kerhonkson, NY 12446	Full Service B&M	$56,440
Keybank National Association	20 Main Street Old Saybrook, CT 6475	Full Service B&M	$67,443
Keybank National Association	20 North Main Street Knox, IN 46534	Full Service B&M	$79,503
Keybank National Association	20 West Skippack Pike Ambler, PA 19002	Full Service B&M	$31,567
Keybank National Association	200 Bolsted Avenue East Long Beach, WA 98631	Full Service B&M	$85,902
Keybank National Association	200 Broadway Street Denver, CO 80203	Full Service B&M	$90,821
Keybank National Association	200 Northwest Second Avenue Canby, OR 97013	Full Service B&M	$54,993
Keybank National Association	200 Oakdale Mall Johnson City, NY 13790	Full Service B&M	$111,830
Keybank National Association	200 W Lancaster Ave Frazer, PA 19355	Full Service B&M	$48,693
Keybank National Association	200 Washington Street Watertown, NY 13601	Full Service B&M	$159,139
Keybank National Association	200 West Beau Street Washington, PA 15301	Full Service B&M	$128,342
Keybank National Association	2001 Murray Avenue Pittsburgh, PA 15217	Limited, Drive-thru	$0
Keybank National Association	201 5th Ave Gloversville, NY 12078	Full Service B&M	$78,995
Keybank National Association	201 Amherst Street Buffalo, NY 14207	Full Service B&M	$70,956
Keybank National Association	201 Grand Avenue New Haven, CT 6513	Full Service B&M	$32,556
Keybank National Association	201 Madison Street Port Clinton, OH 43452	Full Service B&M	$66,920
Keybank National Association	201 North Lucille Street Wasilla, AK 99654	Full Service B&M	$60,644
Keybank National Association	201 North Main Street Tooele, UT 84074	Full Service B&M	$84,946
Keybank National Association	201 Ronda Ct North Huntingdon, PA 15642	Full Service B&M	$63,657
Keybank National Association	201 South Warren Street Syracuse, NY 13202	Limited, Administrative	$0
Keybank National Association	201 South Warren Street Syracuse, NY 13202	Full Service B&M	$843,864
Keybank National Association	201 Swanton Road Saint Albans, VT 5478	Full Service B&M	$69,247
Keybank National Association	201 West Main Street Centralia, WA 98531	Full Service B&M	$56,355
Keybank National Association	20111 Route 19 Cranberry Township, PA 16066	Full Service B&M	$91,599
Keybank National Association	202 Main Street Oneonta, NY 13820	Full Service B&M	$116,339
Keybank National Association	20290 East Smokey Hill Road Centennial, CO 80015	Full Service B&M	$40,669
Keybank National Association	203 Main St Danielson, CT 6239	Full Service B&M	$49,053
Keybank National Association	2030 Sheridan Drive Tonawanda, NY 14223	Full Service B&M	$166,769
Keybank National Association	2031 Doubleday Avenue Ballston Spa, NY 12020	Full Service B&M	$84,090
Keybank National Association	205 East National Road Vandalia, OH 45377	Full Service B&M	$141,758
Keybank National Association	2050 Western Avenue Guilderland, NY 12084	Full Service B&M	$270,748
Keybank National Association	20633 Center Ridge Rocky River, OH 44116	Full Service B&M	$334,102
Keybank National Association	2066 George Urban Boulevard Depew, NY 14043	Full Service B&M	$147,515
Keybank National Association	207 North University Avenue Provo, UT 84601	Full Service B&M	$59,382
Keybank National Association	2080 Route 32 Modena, NY 12548	Full Service B&M	$41,532
Keybank National Association	209 North Main Street Sellersville, PA 18960	Full Service B&M	$30,599
Keybank National Association	2095 Northwest 185th Avenue Hillsboro, OR 97124	Full Service B&M	$62,864
Keybank National Association	20974 State Route 3 Watertown, NY 13601	Full Service B&M	$52,826
Keybank National Association	21 Cottage Street Lockport, NY 14094	Limited, Drive-thru	$0
Keybank National Association	2105 Queen Anne Avenue North Seattle, WA 98109	Full Service B&M	$34,868
Keybank National Association	211 Amity Road Woodbridge, CT 6525	Full Service B&M	$112,984
Keybank National Association	211 South Main Street Colville, WA 99114	Full Service B&M	$124,830
Keybank National Association	21105 Bothell Everett Hwy Bothell, WA 98021	Full Service B&M	$44,700
Keybank National Association	212 East College Way Mount Vernon, WA 98273	Full Service B&M	$62,334
Keybank National Association	2130 Hilliard-Rome Road Hilliard, OH 43026	Full Service B&M	$30,954
Keybank National Association	21327 Sw Sherwood Boulevard Sherwood, OR 97140	Full Service B&M	$46,884
Keybank National Association	214 East Main St. Monroe, WA 98272	Full Service B&M	$54,350
Keybank National Association	214 South Chapel Boulevard Louisville, OH 44641	Full Service B&M	$110,480
Keybank National Association	215 Merrow Rd Tolland, CT 6084	Full Service B&M	$188,656
Keybank National Association	215 Tecumseh Road Syracuse, NY 13224	Full Service B&M	$125,072
Keybank National Association	2155 Penfield Road Penfield, NY 14526	Full Service B&M	$121,819
Keybank National Association	2157 Seneca Street Buffalo, NY 14210	Full Service B&M	$153,454
Keybank National Association	2161 South Byrne Road Toledo, OH 43614	Full Service B&M	$186,242
Keybank National Association	2180 Grand Island Blvd Grand Island, NY 14072	Full Service B&M	$89,503
Keybank National Association	2185 Warrensville Center Road University Heights, OH 44118	Full Service B&M	$171,311
Keybank National Association	219 South Main Street Akron, OH 44308	Full Service B&M	$975,137
Keybank National Association	22 East Pike Street Houston, PA 15342	Full Service B&M	$75,552
Keybank National Association	22 Swartz Ave Chalfont, PA 18914	Full Service B&M	$49,238
Keybank National Association	220 Center Street, Suite 1a Chardon, OH 44024	Full Service B&M	$57,517
Keybank National Association	22033 Marine View Dr S Des Moines, WA 98198	Full Service B&M	$94,856
Keybank National Association	2207 West Stadium Boulevard Ann Arbor, MI 48103	Full Service B&M	$1,113,262
Keybank National Association	2209 South Salina Street Syracuse, NY 13205	Full Service B&M	$38,463
Keybank National Association	221 North Main Street Goshen, IN 46526	Full Service B&M	$65,361
Keybank National Association	22115 Meridian Ave., East Graham, WA 98338	Full Service B&M	$69,632
Keybank National Association	2225 Washtenaw Avenue Ypsilanti, MI 48197	Full Service B&M	$46,775
Keybank National Association	22481 Lake Shore Boulevard Euclid, OH 44123	Full Service B&M	$88,336
Keybank National Association	225 N. Comrie Avenue Johnstown, NY 12095	Full Service B&M	$133,297
Keybank National Association	225 Park Avenue West Springfield, MA 1089	Full Service B&M	$988,238
Keybank National Association	225 Trumbull Street Hartford, CT 6103	Full Service B&M	$17,762
Keybank National Association	2255 E Ridge Rd Rochester, NY 14622	Full Service B&M	$116,166
Keybank National Association	2299 Highland Drive Salt Lake City, UT 84106	Full Service B&M	$166,622
Keybank National Association	23 Water Street Bangor, ME 4401	Full Service B&M	$123,097
Keybank National Association	23 West Kennewick Avenue Kennewick, WA 99336	Full Service B&M	$49,829
Keybank National Association	23 Whitten Road Augusta, ME 4330	Full Service B&M	$115,187
Keybank National Association	230 North Telegraph Road Dearborn, MI 48128	Full Service B&M	$26,495
Keybank National Association	2305 South Colorado Boulevard Denver, CO 80222	Full Service B&M	$68,644
Keybank National Association	2310 Northwest Everett Street Portland, OR 97210	Full Service B&M	$84,149
Keybank National Association	23116 Telegraph Road Brownstown, MI 48134	Full Service B&M	$24,228
Keybank National Association	2315 N. Triphammer Road Ithaca, NY 14850	Full Service B&M	$51,214
Keybank National Association	2318 Delaware Avenue Buffalo, NY 14216	Full Service B&M	$114,621
Keybank National Association	232 Main Street Bridgton, ME 4009	Full Service B&M	$96,377
Keybank National Association	232 West Main Street Avon, CT 6001	Full Service B&M	$25,805
Keybank National Association	2327 Us Route 9w Ravena, NY 12143	Full Service B&M	$76,178
Keybank National Association	234 Seward Street Juneau, AK 99801	Full Service B&M	$45,228
Keybank National Association	2345 Stringtown Road Grove City, OH 43123	Full Service B&M	$109,815
Keybank National Association	2361 Clover Basin Drive Longmont, CO 80503	Full Service B&M	$27,525
Keybank National Association	2386 Summer Street Stamford, CT 6905	Full Service B&M	$56,561
Keybank National Association	23905 Southeast Kent Kangley Road Maple Valley, WA 98038	Full Service B&M	$57,999
Keybank National Association	23928 225th Way Se Maple Valley, WA 98038	Full Service B&M	$47,010
Keybank National Association	2401 34th Avenue West Seattle, WA 98199	Full Service B&M	$163,545
Keybank National Association	241 Saratoga Road Glenville, NY 12302	Full Service B&M	$104,152
Keybank National Association	2412 Ferguson Road Allison Park, PA 15101	Full Service B&M	$71,482
Keybank National Association	2421 Main Street Buffalo, NY 14214	Full Service B&M	$126,174
Keybank National Association	2421 Plymouth Road Ann Arbor, MI 48105	Full Service B&M	$49,244
Keybank National Association	2429 Military Road Niagara Falls, NY 14304	Full Service B&M	$105,980
Keybank National Association	245 Main Street East Haven, CT 6512	Full Service B&M	$176,006
Keybank National Association	245 West Bridge Street Catskill, NY 12414	Full Service Retail	$103,714
Keybank National Association	2460 Baseline Road Boulder, CO 80305	Full Service B&M	$18,322
Keybank National Association	24600 Chagrin Boulevard Beachwood, OH 44122	Full Service B&M	$226,053
Keybank National Association	2491 Washington Blvd Ogden, UT 84401	Full Service B&M	$82,241
Keybank National Association	25 Main Street Hamburg, NY 14075	Full Service B&M	$232,461
Keybank National Association	25 Market Street South Portland, ME 4106	Full Service B&M	$155,553
Keybank National Association	25 South Main Street Homer, NY 13077	Full Service B&M	$141,588
Keybank National Association	250 Delaware Avenue (Suite 110) Buffalo, NY 14202	Full Service B&M	$444,242
Keybank National Association	250 East Main Street Clinton, CT 6413	Full Service B&M	$58,735
Keybank National Association	2500 1st Ave. Seattle, WA 98121	Full Service B&M	$30,452
Keybank National Association	2501 Tongass Avenue Ketchikan, AK 99901	Full Service B&M	$30,117
Keybank National Association	2510 Main Street Glastonbury, CT 6033	Full Service B&M	$195,200
Keybank National Association	2520 West 26th Street Erie, PA 16506	Full Service B&M	$86,795
Keybank National Association	2532 Columbus Avenue Sandusky, OH 44870	Full Service B&M	$101,869
Keybank National Association	2547 Youngstown-Lockport Road Ransomville, NY 14131	Full Service B&M	$127,809
Keybank National Association	256 A Avenue Lake Oswego, OR 97034	Full Service B&M	$83,002
Keybank National Association	256 Third St. California, PA 15419	Full Service B&M	$45,723
Keybank National Association	256 Us Route 1 Falmouth, ME 4105	Full Service B&M	$130,407
Keybank National Association	2566 Aurora Road Twinsburg, OH 44087	Full Service B&M	$104,381
Keybank National Association	2598 Barnett Road Medford, OR 97504	Full Service B&M	$91,718
Keybank National Association	26 West Main Street Sodus, NY 14551	Full Service B&M	$51,555
Keybank National Association	260 West Ridge Pike Limerick, PA 19468	Full Service B&M	$163,541
Keybank National Association	2600 Route 55 Poughquag, NY 12570	Full Service B&M	$90,553
Keybank National Association	2624 Egypt Road Norristown, PA 19403	Full Service B&M	$69,966
Keybank National Association	2633 North Pearl Street Tacoma, WA 98407	Full Service B&M	$56,404
Keybank National Association	26380 Brookpark Road North Olmsted, OH 44070	Full Service B&M	$219,108
Keybank National Association	2652 Erie Avenue Cincinnati, OH 45208	Full Service B&M	$95,723
Keybank National Association	2655 East 17th Street Idaho Falls, ID 83406	Full Service B&M	$55,393
Keybank National Association	267 Wall Street Kingston, NY 12401	Full Service B&M	$98,550
Keybank National Association	268 Grant Avenue Auburn, NY 13021	Full Service B&M	$127,217
Keybank National Association	2680 Jorie Lane Ne Keizer, OR 97303	Full Service B&M	$36,923
Keybank National Association	2689 Se Burnside Road Gresham, OR 97080	Full Service B&M	$49,987
Keybank National Association	2693 West Evans Avenue Denver, CO 80219	Full Service B&M	$25,064
Keybank National Association	27 East Main Street North East, PA 16428	Full Service B&M	$40,642
Keybank National Association	270 Market Lane Wexford, PA 15090	Full Service B&M	$30,227
Keybank National Association	270 Martine Avenue White Plains, NY 10601	Full Service B&M	$101,539
Keybank National Association	270 South Little Tor Road New City, NY 10956	Full Service B&M	$119,271
Keybank National Association	2701 North Michigan Street Plymouth, IN 46563	Full Service B&M	$33,654
Keybank National Association	2707 Colby Avenue Everett, WA 98201	Full Service B&M	$59,757
Keybank National Association	2707 Colby Avenue, Suite 600 Everett, WA 98208	Limited, Administrative	$0
Keybank National Association	271 S.W. Broadway Estacada, OR 97023	Full Service B&M	$102,975
Keybank National Association	27205 172nd Avenue Se Kent, WA 98042	Full Service B&M	$83,215
Keybank National Association	2731 77th Avenue, S.E. Mercer Island, WA 98040	Full Service B&M	$108,312
Keybank National Association	27323 Wolf Road Bay Village, OH 44140	Full Service B&M	$127,833
Keybank National Association	274 Elmwood Avenue Buffalo, NY 14222	Full Service B&M	$256,613
Keybank National Association	275 Andover Park West Tukwila, WA 98188	Full Service B&M	$58,436
Keybank National Association	2776 North Speer Boulevard Denver, CO 80211	Full Service B&M	$50,414
Keybank National Association	278 Main Street Harleysville, PA 19438	Full Service B&M	$207,121
Keybank National Association	2791 Ridge Road West Rochester, NY 14626	Full Service B&M	$111,320
Keybank National Association	28 Lecount Place New Rochelle, NY 10801	Full Service B&M	$132,163
Keybank National Association	28 West Market Street Red Hook, NY 12571	Full Service B&M	$105,327
Keybank National Association	280 Easton Road Warrington, PA 18976	Full Service B&M	$67,346
Keybank National Association	280 North Main Street Logan, UT 84321	Full Service B&M	$72,392
Keybank National Association	2801 Cassopolis Street Elkhart, IN 46514	Full Service B&M	$84,707
Keybank National Association	2801 James Street Syracuse, NY 13206	Full Service B&M	$141,313
Keybank National Association	281 Troy Road Rensselaer, NY 12144	Full Service B&M	$304,018
Keybank National Association	282 Main Street Binghamton, NY 13905	Full Service B&M	$120,203
Keybank National Association	28200 Miles Road. Suite A Solon, OH 44139	Full Service B&M	$76,127
Keybank National Association	2829 West 11th Street Eugene, OR 97402	Full Service B&M	$74,305
Keybank National Association	2855 East Main Street Columbus, OH 43209	Full Service B&M	$63,945
Keybank National Association	2856 Whitney Ave Hamden, CT 6518	Full Service B&M	$122,011
Keybank National Association	2858 Delaware Avenue Kenmore, NY 14217	Full Service B&M	$211,383
Keybank National Association	286 Water Street Augusta, ME 4330	Full Service B&M	$54,796
Keybank National Association	2898 Se 67th Avenue Hillsboro, OR 97123	Full Service B&M	$36,470
Keybank National Association	29 Bangor Mall Boulevard Bangor, ME 4401	Full Service B&M	$63,846
Keybank National Association	290 South 1300 East Salt Lake City, UT 84102	Full Service B&M	$75,322
Keybank National Association	291 South 2nd Morton, WA 98356	Full Service B&M	$62,044
Keybank National Association	2920 Harrison Avenue Nw Olympia, WA 98502	Full Service B&M	$66,103
Keybank National Association	29310 Euclid Avenue Wickliffe, OH 44092	Full Service B&M	$97,309
Keybank National Association	2938 Route 9 Valatie, NY 12184	Full Service B&M	$146,756
Keybank National Association	2950 Miamisburg-Centerville Road Miamisburg, OH 45459	Full Service B&M	$66,939
Keybank National Association	2950 West Belleview Avenue Littleton, CO 80123	Full Service B&M	$29,635
Keybank National Association	2952 Saunders Settlement Road Sanborn, NY 14132	Full Service B&M	$95,699
Keybank National Association	2971 Macarthur Road Whitehall, PA 18052	Full Service B&M	$35,592
Keybank National Association	298 Veterans Way Warminster, PA 18974	Full Service B&M	$63,660
Keybank National Association	29900 Detroit Road Westlake, OH 44145	Full Service B&M	$213,069
Keybank National Association	301 Second Street Liverpool, NY 13088	Full Service B&M	$125,036
Keybank National Association	3 Cavalry Drive New City, NY 10956	Full Service B&M	$106,230
Keybank National Association	3 Maple Road Voorheesville, NY 12186	Full Service B&M	$89,997
Keybank National Association	3 North Route 9 West West Haverstraw, NY 10993	Full Service B&M	$170,171
Keybank National Association	3 West Main Street Pawling, NY 12564	Full Service B&M	$75,434
Keybank National Association	300 Madison Avenue Toledo, OH 43604	Full Service B&M	$649,725
Keybank National Association	300 North Tioga Street Ithaca, NY 14850	Full Service B&M	$82,985
Keybank National Association	300 Sixth Avenue Pittsburgh, PA 15222	Full Service B&M	$80,798
Keybank National Association	300 South Main Street Bowling Green, OH 43402	Full Service B&M	$138,001
Keybank National Association	300 West Oak Street Fort Collins, CO 80521	Full Service B&M	$52,001
Keybank National Association	3000 East Main Street Cortlandt Manor, NY 10567	Full Service B&M	$73,685
Keybank National Association	3000 West Chicago Boulevard Tecumseh Township, MI 49286	Full Service B&M	$40,097
Keybank National Association	3001 Cleveland Avenue Sw Canton, OH 44707	Full Service B&M	$105,716
Keybank National Association	3016 Route 50 Saratoga Springs, NY 12866	Full Service B&M	$197,788
Keybank National Association	302 West First Street Wapato, WA 98951	Full Service B&M	$38,656
Keybank National Association	30200 Chagrin Boulevard Pepper Pike, OH 44124	Full Service B&M	$253,283
Keybank National Association	303 Broadway Cincinnati, OH 45202	Limited, Administrative	$0
Keybank National Association	3030 Secor Road Toledo, OH 43606	Full Service B&M	$97,254
Keybank National Association	3030 Union Road Orchard Park, NY 14127	Full Service B&M	$230,534
Keybank National Association	3031 Collingwood Boulevard Toledo, OH 43610	Full Service B&M	$37,389
Keybank National Association	305 East Second Street Grandview, WA 98930	Full Service B&M	$43,061
Keybank National Association	3050 Niagara Falls Boulevard Amherst, NY 14228	Full Service B&M	$165,543
Keybank National Association	3055 East Overland Road Meridian, ID 83642	Full Service B&M	$64,465
Keybank National Association	306 West Ferry Street Buffalo, NY 14213	Full Service B&M	$40,314
Keybank National Association	3083 Carman Road Schenectady, NY 12303	Full Service B&M	$89,663
Keybank National Association	3085 S Academy Blvd Colorado Springs, CO 80916	Full Service B&M	$31,801
Keybank National Association	309 S 9th Street Caldwell, ID 83605	Full Service B&M	$75,327
Keybank National Association	31 Main Street Hebron, CT 6248	Full Service B&M	$65,904
Keybank National Association	310 South Third Street Harrisburg, OR 97446	Full Service B&M	$71,425
Keybank National Association	3110 West 117th Street Cleveland, OH 44111	Full Service B&M	$123,483
Keybank National Association	3120 Tremont Road Columbus, OH 43221	Full Service B&M	$79,898
Keybank National Association	313 Main Street Eastchester, NY 10709	Full Service B&M	$46,115
Keybank National Association	3134 Bailey Avenue Buffalo, NY 14215	Full Service B&M	$138,114
Keybank National Association	314 Center Street Ludlow, MA 1056	Full Service B&M	$22,517
Keybank National Association	314 East Third Avenue Moses Lake, WA 98837	Full Service B&M	$98,241
Keybank National Association	3144 East State Street Eagle, ID 83616	Full Service B&M	$48,537
Keybank National Association	315 E 2nd St Salem, OH 44460	Full Service B&M	$76,961
Keybank National Association	315 N Main St Barre, VT 5641	Full Service B&M	$49,273
Keybank National Association	315 Second Avenue Warren, PA 16365	Full Service B&M	$89,635
Keybank National Association	315 State Street Schenectady, NY 12305	Full Service B&M	$59,440
Keybank National Association	316 Main Street Yalesville, CT 6492	Full Service B&M	$63,137
Keybank National Association	3160 Navarre Avenue Oregon, OH 43616	Full Service B&M	$109,597
Keybank National Association	3171 Sheridan Drive Amherst, NY 14226	Full Service B&M	$560,087
Keybank National Association	3177 Latta Road Greece, NY 14612	Full Service B&M	$175,718
Keybank National Association	318 West Columbus Avenue Corry, PA 16407	Full Service B&M	$43,146
Keybank National Association	318 West Main Street Monongahela, PA 15063	Full Service B&M	$123,040
Keybank National Association	3198 Belmont Avenue Youngstown, OH 44505	Full Service B&M	$62,402
Keybank National Association	32 Jordan Street Skaneateles, NY 13152	Full Service B&M	$99,864
Keybank National Association	32 Market Square Houlton, ME 4730	Full Service B&M	$44,315
Keybank National Association	320 Orchard Park Road West Seneca, NY 14224	Full Service B&M	$111,122
Keybank National Association	32000 Walker Road Avon Lake, OH 44012	Full Service B&M	$123,028
Keybank National Association	3204 Tremainsville Road Toledo, OH 43613	Full Service B&M	$135,291
Keybank National Association	321 15th Avenue East Seattle, WA 98112	Full Service B&M	$106,287
Keybank National Association	322 Main Street West Haven, CT 6516	Full Service B&M	$165,302
Keybank National Association	3225 Monroe Avenue Rochester, NY 14618	Full Service B&M	$351,379
Keybank National Association	3230 Chili Ave Rochester, NY 14624	Full Service B&M	$93,181
Keybank National Association	3235 Mill Vista Road Highlands Ranch, CO 80129	Full Service B&M	$0
Keybank National Association	3240 E. 156th Ave, Se Bellevue, WA 98007	Full Service B&M	$27,539
Keybank National Association	32400 Pacific Highway South Federal Way, WA 98003	Full Service B&M	$82,995
Keybank National Association	3266 Steelyard Drive Cleveland, OH 44109	Full Service B&M	$45,534
Keybank National Association	3283 Main Street Mexico, NY 13114	Full Service B&M	$65,840
Keybank National Association	3294 Kemp Road Beavercreek, OH 45431	Full Service B&M	$97,299
Keybank National Association	33 College Road Fairbanks, AK 99701	Full Service B&M	$47,353
Keybank National Association	33 North Main Street Cortland, NY 13045	Limited, Drive-thru	$0
Keybank National Association	33 Third Street Troy, NY 12180	Full Service B&M	$172,912
Keybank National Association	330 West 14 Mile Road Clawson, MI 48017	Full Service B&M	$40,775
Keybank National Association	3301 South Winton Road Rochester, NY 14623	Full Service B&M	$145,153
Keybank National Association	331 Main Street Rockland, ME 4841	Full Service B&M	$65,843
Keybank National Association	3314 East Chinden Boulevard Eagle, ID 83616	Full Service B&M	$83,512
Keybank National Association	332 Central Way Kirkland, WA 98033	Full Service B&M	$72,155
Keybank National Association	33275 Aurora Road Solon, OH 44139	Full Service B&M	$256,445
Keybank National Association	333 Ford Street Ogdensburg, NY 13669	Full Service B&M	$35,221
Keybank National Association	333 Freeport Street New Kensington, PA 15068	Full Service B&M	$48,534
Keybank National Association	3337 Consaul Road Schenectady, NY 12304	Full Service B&M	$247,813
Keybank National Association	3370 Warrensville Center Road Shaker Heights, OH 44122	Full Service B&M	$216,467
Keybank National Association	34 Old Tavern Road Orange, CT 6477	Full Service B&M	$128,883
Keybank National Association	3410 East First Avenue Denver, CO 80206	Full Service B&M	$131,489
Keybank National Association	3413 West Genesee Street, Unit 202 Syracuse, NY 13219	Full Service B&M	$101,372
Keybank National Association	342 Northeast Third Street Mcminnville, OR 97128	Full Service B&M	$67,883
Keybank National Association	3434 South 152nd Street Seattle, WA 98188	Full Service B&M	$71,977
Keybank National Association	344 W Middle Turnpike Manchester, CT 6040	Full Service B&M	$147,617
Keybank National Association	348 East 12300 Draper, UT 84020	Full Service B&M	$74,992
Keybank National Association	348 Hartford Turnpike Vernon, CT 6066	Full Service B&M	$165,802
Keybank National Association	34801 Euclid Avenue Willoughby, OH 44094	Full Service B&M	$109,197
Keybank National Association	350 South First Avenue Hillsboro, OR 97123	Full Service B&M	$72,489
Keybank National Association	3501 South 19th Street Tacoma, WA 98405	Full Service B&M	$83,480
Keybank National Association	3505 East 104th Avenue Thornton, CO 80233	Full Service B&M	$30,860
Keybank National Association	3505 Sullivant Avenue Columbus, OH 43204	Full Service B&M	$94,519
Keybank National Association	3507 Kyoto Gardens Drive, Suite 100 Palm Beach Gardens, FL 33408	Full Service B&M	$7,822
Keybank National Association	3515 S.W. Troy Street Portland, OR 97219	Full Service B&M	$108,758
Keybank National Association	353 N.E. Northgate Way Seattle, WA 98125	Full Service B&M	$70,512
Keybank National Association	3534 Main Street Coventry, CT 6238	Full Service B&M	$121,244
Keybank National Association	35401 Vine Street Eastlake, OH 44095	Full Service B&M	$161,699
Keybank National Association	355 Genesee Street Auburn, NY 13021	Full Service B&M	$115,671
Keybank National Association	3550 Brewerton Road North Syracuse, NY 13212	Full Service B&M	$180,586
Keybank National Association	3565 Harrison Boulevard Ogden, UT 84403	Full Service B&M	$62,997
Keybank National Association	3565 Main Street Stone Ridge, NY 12484	Full Service B&M	$77,941
Keybank National Association	3600 S Yosemite St Denver, CO 80237	Full Service B&M	$49,619

For 2021, Keybank had 1,035 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$4,348,388
Net interest income	$4,137,232
Total noninterest income	$2,474,776
Gross Fiduciary activities income	$282,746
Service charges on deposit accounts	$336,897
Trading account gains and fees	$82,729
Additional Noninterest Income	$1,772,404
Pre-tax net operating income	$3,229,855
Securities gains (or losses, -)	$-6,308
Income before extraordinary items	$2,583,847
Discontinued Operations (Extraordinary gains, net)	$12,772
Net income of bank and minority interests	$2,596,619
Minority interest net income	$0
Net income	$2,596,619
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$2,588,893

Keybank's gross interest income from loans was $4,348,388,000.
Keybank's net interest income from loans was $4,137,232,000.
Keybank's fee based income from loans was $336,897,000.
Keybank's net income from loans was $2,596,619,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$211,156
Provision for credit losses	$-417,632
Total noninterest expense	$3,799,785
Salaries and employee benefits	$2,096,705
Premises and equipment expense	$370,911
Additional noninterest expense	$1,332,169
Applicable income taxes	$639,700
Net charge-offs	$186,293
Cash dividends	$1,925,000

Keybank's interest expense for loans was $211,156,000.
Keybank's payroll and benefits expense were $2,096,705,000.
Keybank's property, plant and equipment expenses $370,911,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	2.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.9%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$155,074,869
Deposits held in domestic offices	$155,074,869
Deposits by Individuals, partnerships, and corporations	$144,748,370
Deposits by U.S. Government	$1,372
Deposits by States and political subdivisions in the U.S.	$10,097,851
Deposits by Commercial banks and other depository institutions in U.S.	$217,017
Deposits by Banks in foreign countries	$10,259
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$16,289,507
Demand deposits	$14,373,647
Nontransaction accounts	$138,785,362
Money market deposit accounts (MMDAs)	$127,425,912
Other savings deposits (excluding MMDAs)	$7,503,841
Total time deposits	$3,855,609
Total time and savings deposits	$140,701,222
Noninterest-bearing deposits	$52,077,243
Interest-bearing deposits	$102,997,626
Retail deposits	$153,577,618
IRAs and Keogh plan accounts	$1,280,028
Brokered deposits	$1,010,710
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$183,977,708
Cash & Balances due from depository institutions	$11,383,661
Interest-bearing balances	$10,396,551
Total securities	$52,903,764
Federal funds sold & reverse repurchase	$511,129
Net loans and leases	$104,062,119
Loan and leases loss allowance	$1,088,916
Trading account assets	$1,904,650
Bank premises and fixed assets	$1,279,493
Other real estate owned	$20,076
Goodwill and other intangibles	$3,279,974
All other assets	$8,632,842

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$183,977,708
Total Liabilities	$166,958,118
Total deposits	$155,074,869
Interest-bearing deposits	$102,997,626
Deposits held in domestic offices	$155,074,869
% insured (estimated)	$47
Federal funds purchased and repurchase agreements	$172,533
Trading liabilities	$165,338
Other borrowed funds	$7,511,074
Subordinated debt	$1,278,050
All other liabilities	$2,756,254

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$104,062,119
Loan and leases loss allowance	$1,088,916
Total loans and leases (domestic)	$105,151,035
All real estate loans	$41,754,890
Real estate loans in domestic offices	$41,754,890
Construction and development loans	$1,996,426
Residential 1-4 family construction	$126
Other construction, all land development and other land	$1,996,300
Loans secured by nonfarm nonresidential properties	$9,318,662
Nonfarm nonresidential secured by owner-occupied properties	$3,069,085
Commercial real estate & other non-farm, non-residential	$6,249,577
Multifamily residential real estate	$5,843,851
1-4 family residential loans	$24,504,157
Farmland loans	$91,794
Loans held in foreign offices	$0
Farm loans	$491,081
Commercial and industrial loans	$40,951,442
To non-U.S. addressees	$1,451,116
Loans to individuals	$7,361,828
Credit card loans	$971,405
Related Plans	$400,845
Consumer Auto Loans	$157,628
Other loans to individuals	$5,831,950
All other loans & leases	$14,591,794
Loans to foreign governments and official institutions	$0
Other loans	$6,802,648
Loans to depository institutions and acceptances of other banks	$22,579
Loans not secured by real estate	$3,589,659
Loans secured by real estate to non-U.S. addressees	$132,170
Restructured Loans & leases	$130,988
Non 1-4 family restructured loans & leases	$25,081
Total loans and leases (foreign)	$63,292

KeyBank had $104,062,119,000 of loans outstanding in 2021. $41,754,890,000 of loans were in real estate loans. $1,996,426,000 of loans were in development loans. $5,843,851,000 of loans were in multifamily mortgage loans. $24,504,157,000 of loans were in 1-4 family mortgage loans. $491,081,000 of loans were in farm loans. $971,405,000 of loans were in credit card loans. $157,628,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	3,030	$754,798	$249,108
Nonfarm, nonresidential loans - <$100k	351	$14,776	$42,097
Nonfarm, nonresidential loans - $100-250k	950	$113,049	$118,999
Nonfarm, nonresidential loans - $250k-1MM	1,729	$626,973	$362,622
Commercial & Industrial, US addressed loans - <$1MM	64,062	$3,152,794	$49,215
Commercial & Industrial, US addressed loans - <$100k	52,928	$809,155	$15,288
Commercial & Industrial, US addressed loans - $100-250k	5,235	$562,648	$107,478
Commercial & Industrial, US addressed loans - $250k-1MM	5,899	$1,780,991	$301,914
Farmland loans - <$1MM	29	$4,368	$150,621
Farmland loans - <$100k	4	$141	$35,250
Farmland loans - $100-250k	14	$1,737	$124,071
Farmland loans - $250k-1MM	11	$2,490	$226,364
Agriculture operations loans - <$1MM	93	$12,798	$137,613
Agriculture operations loans - <$100k	29	$1,322	$45,586
Agriculture operations loans - $100-250k	26	$3,210	$123,462
Agriculture operations loans - $250k-1MM	38	$8,266	$217,526