KeyBank in California vs the state
27.1%Denial rate+9.70 pts vs state
32.0%Decision denial rate+9.60 pts vs state
57.6%Origination rate+1.43 pts vs state
6.31%Median rate-0.31 pts vs state
0.03Rate spread (pts)-0.25 pts vs state
$284kMedian applicant income
34Loans originated
16Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 71 | 13.6% | 6.38% | #400 |
| 2024 | 62 | 32 | 29.0% | 6.63% | #500 |
| 2025 | 59 | 34 | 27.1% | 6.31% | #506 |
What KeyBank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most KeyBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 13 | 5 | 3 | 23.1% |
| Los Angeles County | 10 | 5 | 5 | 50.0% |
| San Diego County | 8 | 4 | 3 | 37.5% |
| Napa County | 3 | 3 | 0 | 0.0% |
| Ventura County | 3 | 2 | 0 | 0.0% |
| Fresno County | 2 | 1 | 1 | 50.0% |
| Santa Barbara County | 2 | 0 | 0 | 0.0% |
| Santa Clara County | 2 | 1 | 1 | 50.0% |
| Contra Costa County | 2 | 2 | 0 | 0.0% |
| Sacramento County | 2 | 1 | 1 | 50.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 59 applications in 2025, of which 34 were originated and 16 denied.
27.1% of all applications, or 32.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans KeyBank originated in California in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are KeyBank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology