KeyBank in Florida vs the state
27.4%Denial rate+6.31 pts vs state
35.3%Decision denial rate+8.01 pts vs state
50.3%Origination rate-2.41 pts vs state
6.63%Median rate0.00 pts vs state
0.17Rate spread (pts)-0.09 pts vs state
$174kMedian applicant income
90Loans originated
49Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 166 | 22.2% | 6.63% | #314 |
| 2024 | 182 | 97 | 25.8% | 6.75% | #390 |
| 2025 | 179 | 90 | 27.4% | 6.63% | #387 |
What KeyBank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most KeyBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 31 | 18 | 5 | 16.1% |
| Collier County | 19 | 9 | 7 | 36.8% |
| Palm Beach County | 14 | 5 | 7 | 50.0% |
| Sarasota County | 12 | 5 | 4 | 33.3% |
| Manatee County | 11 | 7 | 2 | 18.2% |
| Pinellas County | 10 | 4 | 6 | 60.0% |
| Marion County | 9 | 7 | 1 | 11.1% |
| Orange County | 8 | 2 | 2 | 25.0% |
| Miami-Dade County | 8 | 2 | 4 | 50.0% |
| Sumter County | 6 | 5 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 179 applications in 2025, of which 90 were originated and 49 denied.
27.4% of all applications, or 35.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans KeyBank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are KeyBank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology