Lenders › Keybank National Association › New York
Keybank National Association in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In New York, Keybank National Association reported 4,455 applications and 2,444 originations for 2024, $499m in all.
Its denial rate in the state was 34.8%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 36.5%.
The median rate spread on its New York originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Keybank National Association, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.8% | 25.4% | 36.5% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 28.5% | 15.0% | 31.7% | 15.6% |
| Average originated loan | $204k | $446k | $266k | $329k |
| Home purchase share | 48.9% | 55.3% | 43.0% | 57.0% |
| FHA-insured share | 6.7% | 7.4% | 4.7% | 13.4% |
| VA-guaranteed share | 1.3% | 2.4% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 49% (1,195)Home improvement 13% (318)Refinancing 9% (216)Cash-out refinancing 15% (370)Other purpose 14% (345)
By type
Conventional 92% (2,249)FHA 7% (163)VA 1% (32)
Denial reasons as coded
Share of 1,340 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Erie County | 1,250 | 744 | $159m | 30.6% |
| Monroe County | 374 | 180 | $30m | 41.0% |
| Onondaga County | 288 | 159 | $27m | 35.6% |
| Niagara County | 253 | 147 | $23m | 32.4% |
| Albany County | 188 | 99 | $20m | 36.1% |
| Oneida County | 119 | 75 | $11m | 28.3% |
| Orange County | 115 | 69 | $15m | 33.3% |
| Schenectady County | 105 | 68 | $12m | 25.8% |
| Saratoga County | 127 | 66 | $15m | 31.0% |
| Rensselaer County | 103 | 59 | $10m | 31.8% |
| Columbia County | 100 | 55 | $11m | 34.8% |
| Rockland County | 111 | 51 | $13m | 41.9% |
| Dutchess County | 80 | 51 | $13m | 29.3% |
| Chautauqua County | 106 | 47 | $4.9m | 45.6% |
| Cayuga County | 72 | 41 | $6.2m | 30.3% |
| Westchester County | 72 | 40 | $16m | 36.9% |
| Oswego County | 78 | 29 | $4.7m | 56.5% |
| Broome County | 63 | 29 | $3.3m | 45.3% |
| Genesee County | 56 | 29 | $4.1m | 43.4% |
| Fulton County | 46 | 28 | $4.3m | 30.0% |
| St. Lawrence County | 52 | 25 | $2.6m | 39.0% |
| Jefferson County | 44 | 24 | $4.7m | 27.3% |
| Ulster County | 43 | 22 | $5.5m | 33.3% |
| Greene County | 38 | 20 | $3.7m | 31.0% |
| Orleans County | 38 | 19 | $2.4m | 43.2% |
| Cortland County | 30 | 19 | $3.4m | 28.6% |
| Montgomery County | 39 | 18 | $2.5m | 47.2% |
| Cattaraugus County | 28 | 14 | $2.1m | — |
| Schoharie County | 26 | 13 | $2.6m | — |
| Wayne County | 27 | 12 | $2.4m | — |
| Clinton County | 25 | 11 | $1.3m | — |
| Putnam County | 27 | 10 | $2.9m | — |
| Madison County | 27 | 9 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Keybank National Association originate in New York in 2024?
2,444 loans totalling $499m, from 4,455 applications reported for properties in New York.
What is Keybank National Association's denial rate in New York?
34.8% of decided applications in New York were denied, against 25.4% for all lenders in the state and 36.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does Keybank National Association lend in most?
By originations: Erie County (744), Monroe County (180), Onondaga County (159), Niagara County (147), Albany County (99).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.