{
  "slug": "keybank",
  "name": "KeyBank National Association",
  "shortName": "KeyBank",
  "type": "bank",
  "fdicCert": "17534",
  "website": "https://www.key.com",
  "hqCity": "Cleveland",
  "hqState": "OH",
  "totalAssets": 185983433,
  "totalAssetsUnit": "thousands-usd",
  "description": "FDIC-insured bank headquartered in Cleveland, OH.",
  "profileSourceName": "FDIC BankFind Suite",
  "profileSourceUrl": "https://banks.data.fdic.gov/api/institutions?filters=CERT:17534&format=json",
  "profileLastVerified": "2026-06-28",
  "websiteDomain": "key.com",
  "indexableRoutingCount": 26,
  "verifiedRoutingEvidenceCount": 10,
  "routingLookupEvidenceCount": 0,
  "routingStateCoverage": [
    "AK",
    "CO",
    "CT",
    "FL",
    "ID",
    "IN",
    "MA",
    "ME",
    "MI",
    "NY",
    "OH",
    "OR",
    "PA",
    "UT",
    "VT",
    "WA"
  ],
  "routingNumbers": [
    {
      "number": "125200879",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Alaska routing number",
      "state": "AK",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "125200879"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "307070267",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Colorado routing number",
      "state": "CO",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "307070267"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "021300077",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "KeyBank Connecticut, Massachusetts, New York, and Pennsylvania wires and ACH routing number",
      "states": [
        "CT",
        "MA",
        "NY",
        "PA"
      ],
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "021300077"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "041001039",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Florida, Indiana, Michigan, and Ohio routing number",
      "states": [
        "FL",
        "IN",
        "MI",
        "OH"
      ],
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "041001039"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "124101555",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Idaho routing number",
      "state": "ID",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "124101555"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "011200608",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Maine routing number",
      "state": "ME",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "011200608"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "123002011",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Oregon routing number",
      "state": "OR",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "123002011"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "124000737",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Utah routing number",
      "state": "UT",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "124000737"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211672531",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Vermont routing number",
      "state": "VT",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "211672531"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "125000574",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire",
        "paper checks"
      ],
      "label": "KeyBank Washington routing number",
      "state": "WA",
      "verificationStatus": "verified",
      "sourceName": "KeyBank checking account and routing number page",
      "sourceUrl": "https://www.key.com/personal/customer-support/locate-routing-number.html",
      "evidence": [
        {
          "url": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
          "capturedAt": "2026-06-28",
          "numbers": [
            "125000574"
          ]
        }
      ],
      "evidenceUrl": "/data/evidence/routing-official/keybank-6d6fb92bf2.png",
      "evidenceCapturedAt": "2026-06-28",
      "lastVerified": "2026-06-28",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "011807043",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "021110209",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "021313569",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "021372953",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 2 public candidate source families; not verified against an official bank source.",
      "sourceName": "2 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 2,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "022072692",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031302803",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031305253",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031911812",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031918527",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211170130",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211170185",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211174369",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "221370616",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "222370440",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "231372170",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "231375575",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank cross-checked routing number",
      "state": "NY",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "041002957",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "OH",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "011104173",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "021313747",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031302272",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031307468",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031308564",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031311810",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031314749",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "031315382",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211170088",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "211174990",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "KeyBank unverified routing candidate",
      "state": "NY",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    }
  ],
  "relatedBanks": [
    "1st-national-bank",
    "540-i-b-e-w",
    "abbey",
    "achieve"
  ],
  "lastVerified": "2026-06-28",
  "dataScore": {
    "value": 100,
    "grade": "excellent",
    "label": "Excellent coverage",
    "summary": "Excellent coverage: includes official-source routing data. The score reflects source depth and confidence, not bank safety or product quality.",
    "components": [
      {
        "id": "profile",
        "label": "Profile facts",
        "value": 83,
        "description": "Regulator/source profile includes headquarters plus useful public institution facts."
      },
      {
        "id": "routing",
        "label": "Routing confidence",
        "value": 100,
        "description": "26 indexable routing records (10 verified, 16 cross-checked, 10 screenshot-backed)."
      },
      {
        "id": "review",
        "label": "Review coverage",
        "value": 92,
        "description": "11 routing candidates cleared by automated review."
      },
      {
        "id": "freshness",
        "label": "Freshness",
        "value": 100,
        "description": "Profile and routing source dates are recent for this build."
      }
    ],
    "reviewSignals": {
      "automatedReviewedCandidates": 11,
      "humanReviewedCandidates": 0,
      "manualReviewCandidates": 0
    },
    "factors": [
      "Regulator or official profile source",
      "FDIC certificate linked",
      "10 official-source routing records",
      "10 screenshot-backed routing records",
      "16 cross-checked routing candidates",
      "11 unverified routing candidates"
    ]
  },
  "routingProof": {
    "value": 100,
    "grade": "bank-verified",
    "label": "Bank-verified"
  }
}