Keybank Mortgage Rates, Fees & Info

Cleveland, OH

LEI: HUX2X73FUCYHUVH1BK78

Tax ID: 34-0797057

4.6 stars - Updated: 6/9/24 - out of 5 stars, based on 109 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Keybank is a small bank specializing in 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, Buffalo, Denver, Portland, and Cleveland among others. We have data for 333 markets. (Some data included below & more in-depth data is available with an active subscription.)

Keybank has a below 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 relatively high 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) 5.90% 6/9/24
30 Year Conventional Purchase 6.12% 6/9/24
30 Year Conventional Refi 6.51% 6/9/24
30 Year Cash-out Refi 6.39% 6/9/24
30 Year FHA Purchase 7.02% 6/9/24
30 Year FHA Refi 7.16% 6/9/24
30 Year VA Purchase 5.97% 6/9/24
30 Year VA Refi 5.73% 6/9/24
15 Year Conventional Purchase 5.87% 6/9/24
15 Year Conventional Refi 6.32% 6/9/24
15 Year Cash-out Refi 6.32% 6/9/24
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.

Keybank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Keybank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

11,856

Origination Dollar Volume (All Markets)

$2,948,800,000
Show all (61) awards

Relative Rate

Keybank's average 30 year fixed mortgage rate was 7.76%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 1.28%.

Relative Fees (Closing Costs)

Keybank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,626.

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 $9,089.

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) 858 $430,860,000 $502,168 $7,025 7.47%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1,081 $173,105,000 $160,134 $3,897 7.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 387 $152,735,000 $394,664 $5,619 7.49%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 454 $151,440,000 $333,568 $6,823 7.82%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1,007 $142,515,000 $141,524 $3,252 6.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 241 $77,885,000 $323,174 $7,332 8.17%
Outside of Metro Areas 352 $66,740,000 $189,602 $4,624 7.99%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 345 $63,895,000 $185,203 $4,506 7.74%
SALT LAKE CITY, UT (FHA|USDA|VA) 142 $63,780,000 $449,155 $7,146 7.30%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $50,350,000 $2,797,222 $11,884 6.53%
COLUMBUS, OH (FHA|USDA|VA) 257 $49,335,000 $191,965 $4,504 7.72%
SYRACUSE, NY (FHA|USDA|VA) 253 $49,005,000 $193,696 $3,867 8.19%
ROCHESTER, NY (FHA|USDA|VA) 309 $48,645,000 $157,427 $3,747 7.92%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 280 $47,540,000 $169,786 $5,041 8.29%
PITTSBURGH, PA (FHA|USDA|VA) 366 $47,210,000 $128,989 $4,161 8.13%
BOISE CITY, ID (FHA|USDA|VA) 143 $44,385,000 $310,385 $7,608 8.00%
TOLEDO, OH (FHA|USDA|VA) 327 $43,735,000 $133,746 $4,114 7.47%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 282 $41,730,000 $147,979 $3,425 8.31%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 174 $36,370,000 $209,023 $4,541 8.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 237 $34,615,000 $146,055 $3,128 8.45%
ANCHORAGE, AK (FHA|USDA|VA) 98 $31,020,000 $316,531 $6,211 8.49%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 133 $28,305,000 $212,820 $4,564 7.97%
FRESNO, CA (FHA|USDA|VA) 3 $26,585,000 $8,861,667 $18,635 6.38%
AKRON, OH (FHA|USDA|VA) 205 $26,315,000 $128,366 $3,350 8.30%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 39 $24,865,000 $637,564 $8,779 6.78%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 141 $24,115,000 $171,028 $4,411 8.32%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 175 $23,895,000 $136,543 $3,877 8.49%
PROVO-OREM, UT (FHA|USDA|VA) 53 $22,565,000 $425,755 $7,646 7.95%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 68 $21,100,000 $310,294 $7,265 8.17%
CANTON-MASSILLON, OH (FHA|USDA|VA) 157 $20,995,000 $133,726 $3,656 8.40%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 58 $19,680,000 $339,310 $5,865 8.01%
SALEM, OR (FHA|USDA|VA) 74 $17,970,000 $242,838 $7,688 7.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 27 $17,405,000 $644,630 $11,058 6.60%
Breckenridge, CO (FHA|USDA|VA) 26 $16,700,000 $642,308 $4,051 6.96%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $15,910,000 $795,500 $9,942 6.93%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 15 $15,865,000 $1,057,667 $10,691 6.48%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 17 $15,745,000 $926,176 $9,104 6.45%
LOUISVILLE, KY (FHA|USDA|VA) 2 $14,650,000 $7,325,000 $4,379 6.60%
ST. GEORGE, UT (FHA|USDA|VA) 13 $14,095,000 $1,084,231 $8,712 6.48%
KINGSTON, NY (FHA|USDA|VA) 48 $12,950,000 $269,792 $4,208 7.35%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 27 $12,695,000 $470,185 $8,776 6.85%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 51 $12,615,000 $247,353 $3,152 8.36%
FORT COLLINS, CO (FHA|USDA|VA) 33 $12,425,000 $376,515 $6,235 7.93%
UTICA-ROME, NY (FHA|USDA|VA) 91 $12,245,000 $134,560 $4,601 7.38%
BELLINGHAM, WA (FHA|USDA|VA) 28 $12,240,000 $437,143 $6,861 7.53%
DAYTON-KETTERING, OH (FHA|USDA|VA) 83 $11,705,000 $141,024 $3,252 7.98%
Heber, UT (FHA|USDA|VA) 25 $11,495,000 $459,800 $6,556 8.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $11,485,000 $546,905 $8,273 6.99%
LONGVIEW, TX (FHA|USDA|VA) 2 $10,890,000 $5,445,000 $7,508 5.79%
ALBANY-LEBANON, OR (FHA|USDA|VA) 55 $10,825,000 $196,818 $7,390 8.55%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 36 $10,540,000 $292,778 $5,416 8.08%
YAKIMA, WA (FHA|USDA|VA) 57 $10,525,000 $184,649 $6,320 8.07%
IDAHO FALLS, ID (FHA|USDA|VA) 38 $10,490,000 $276,053 $6,764 8.00%
BEND, OR (FHA|USDA|VA) 17 $10,445,000 $614,412 $7,843 7.35%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 22 $10,070,000 $457,727 $7,613 6.75%
LONGVIEW, WA (FHA|USDA|VA) 6 $10,050,000 $1,675,000 $2,846 8.33%
Hood River, OR (FHA|USDA|VA) 28 $9,570,000 $341,786 $5,708 7.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 26 $9,450,000 $363,462 $6,001 7.29%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 72 $8,680,000 $120,556 $2,937 8.52%
CORVALLIS, OR (FHA|USDA|VA) 17 $8,545,000 $502,647 $6,524 7.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 18 $8,470,000 $470,556 $5,972 6.78%
CHICO, CA (FHA|USDA|VA) 2 $8,270,000 $4,135,000 $5,784 6.84%
Hudson, NY (FHA|USDA|VA) 55 $8,165,000 $148,455 $3,038 8.62%
Sandusky, OH (FHA|USDA|VA) 70 $8,070,000 $115,286 $3,155 7.99%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 50 $8,070,000 $161,400 $3,741 8.23%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $8,055,000 $1,150,714 $9,606 7.07%
WENATCHEE, WA (FHA|USDA|VA) 19 $7,825,000 $411,842 $6,678 7.92%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 38 $7,800,000 $205,263 $3,630 8.55%
MONROE, MI (FHA|USDA|VA) 57 $7,575,000 $132,895 $3,240 7.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $7,440,000 $620,000 $5,647 6.11%
BANGOR, ME (FHA|USDA|VA) 51 $7,265,000 $142,451 $4,036 8.06%
BOULDER, CO (FHA|USDA|VA) 23 $7,125,000 $309,783 $5,578 7.52%
SPRINGFIELD, MA (FHA|USDA|VA) 49 $7,125,000 $145,408 $3,699 8.74%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $6,715,000 $610,455 $7,348 6.67%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $6,715,000 $516,538 $9,662 6.04%
ANN ARBOR, MI (FHA|USDA|VA) 30 $6,710,000 $223,667 $4,031 7.80%
Norwalk, OH (FHA|USDA|VA) 54 $6,710,000 $124,259 $3,801 7.55%
Kill Devil Hills, NC (FHA|USDA|VA) 10 $6,640,000 $664,000 $4,995 6.24%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 22 $6,550,000 $297,727 $3,445 8.12%
Hilo, HI (FHA|USDA|VA) 4 $6,470,000 $1,617,500 $8,719 6.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $6,335,000 $575,909 $9,039 6.40%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 59 $6,185,000 $104,831 $3,753 7.91%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $6,160,000 $616,000 $10,415 6.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 17 $6,115,000 $359,706 $3,895 7.42%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 52 $6,110,000 $117,500 $3,279 7.95%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 34 $6,090,000 $179,118 $7,158 8.14%
MEDFORD, OR (FHA|USDA|VA) 26 $6,040,000 $232,308 $5,909 8.61%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 47 $5,935,000 $126,277 $4,205 8.03%
Auburn, NY (FHA|USDA|VA) 47 $5,735,000 $122,021 $3,107 8.52%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $5,735,000 $819,286 $9,624 6.59%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 46 $5,720,000 $124,348 $3,674 7.81%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $5,640,000 $352,500 $6,558 7.60%
Adrian, MI (FHA|USDA|VA) 41 $5,345,000 $130,366 $3,539 8.38%
WORCESTER, MA-CT (FHA|USDA|VA) 30 $5,210,000 $173,667 $4,370 8.39%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $5,185,000 $1,037,000 $7,739 6.53%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $5,020,000 $1,255,000 $9,914 6.75%
Aberdeen, WA (FHA|USDA|VA) 16 $4,770,000 $298,125 $4,728 7.62%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $4,725,000 $429,545 $9,905 6.64%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $4,590,000 $459,000 $5,230 6.44%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $4,520,000 $376,667 $4,582 6.64%
READING, PA (FHA|USDA|VA) 25 $4,465,000 $178,600 $5,034 8.60%
Oak Harbor, WA (FHA|USDA|VA) 14 $4,390,000 $313,571 $6,164 7.35%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 10 $4,330,000 $433,000 $7,615 6.60%
Port Angeles, WA (FHA|USDA|VA) 26 $4,110,000 $158,077 $2,342 8.78%
TUCSON, AZ (FHA|USDA|VA) 9 $3,885,000 $431,667 $7,781 7.54%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,810,000 $476,250 $10,609 5.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $3,785,000 $757,000 $14,634 6.83%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 26 $3,560,000 $136,923 $3,499 8.90%
Moses Lake, WA (FHA|USDA|VA) 13 $3,475,000 $267,308 $5,364 9.18%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 15 $3,435,000 $229,000 $5,495 8.00%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 22 $3,400,000 $154,545 $3,472 7.78%
BINGHAMTON, NY (FHA|USDA|VA) 31 $3,305,000 $106,613 $3,065 8.01%
RICHMOND, VA (FHA|USDA|VA) 4 $3,260,000 $815,000 $5,301 6.50%
POCATELLO, ID (FHA|USDA|VA) 14 $3,220,000 $230,000 $5,679 7.82%
Amsterdam, NY (FHA|USDA|VA) 27 $3,115,000 $115,370 $3,357 7.73%
Olean, NY (FHA|USDA|VA) 18 $3,040,000 $168,889 $4,570 7.21%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $3,010,000 $501,667 $5,385 6.35%
Augusta-Waterville, ME (FHA|USDA|VA) 19 $2,885,000 $151,842 $3,775 8.70%
ERIE, PA (FHA|USDA|VA) 30 $2,880,000 $96,000 $3,199 8.53%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $2,825,000 $313,889 $3,944 6.94%
Plattsburgh, NY (FHA|USDA|VA) 22 $2,800,000 $127,273 $5,190 9.43%
RENO, NV (FHA|USDA|VA) 4 $2,780,000 $695,000 $6,856 6.09%
Batavia, NY (FHA|USDA|VA) 23 $2,755,000 $119,783 $4,330 6.76%
Ellensburg, WA (FHA|USDA|VA) 6 $2,720,000 $453,333 $15,095 7.69%
Gloversville, NY (FHA|USDA|VA) 29 $2,675,000 $92,241 $3,247 8.26%
GLENS FALLS, NY (FHA|USDA|VA) 15 $2,655,000 $177,000 $3,450 8.13%
BLOOMINGTON, IN (FHA|USDA|VA) 5 $2,635,000 $527,000 $6,128 6.93%
Rexburg, ID (FHA|USDA|VA) 9 $2,615,000 $290,556 $7,730 8.62%
KOKOMO, IN (FHA|USDA|VA) 31 $2,585,000 $83,387 $3,317 7.28%
Shelton, WA (FHA|USDA|VA) 13 $2,585,000 $198,846 $2,250 9.51%
Blackfoot, ID (FHA|USDA|VA) 12 $2,440,000 $203,333 $5,392 8.98%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $2,370,000 $592,500 $14,775 6.34%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $2,330,000 $388,333 $4,861 6.71%
FAIRBANKS, AK (FHA|USDA|VA) 13 $2,255,000 $173,462 $4,065 7.57%
GREELEY, CO (FHA|USDA|VA) 13 $2,235,000 $171,923 $4,331 8.66%
Centralia, WA (FHA|USDA|VA) 12 $2,220,000 $185,000 $5,044 8.29%
MANSFIELD, OH (FHA|USDA|VA) 24 $2,210,000 $92,083 $2,840 8.72%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $2,200,000 $1,100,000 $15,626 5.94%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,155,000 $718,333 $0 8.63%
Findlay, OH (FHA|USDA|VA) 13 $2,095,000 $161,154 $4,074 7.96%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $2,075,000 $691,667 $12,095 7.83%
Ogdensburg-Massena, NY (FHA|USDA|VA) 21 $2,055,000 $97,857 $3,727 7.68%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $2,010,000 $251,250 $4,987 7.34%
TWIN FALLS, ID (FHA|USDA|VA) 15 $1,965,000 $131,000 $4,125 9.07%
ITHACA, NY (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,022 8.28%
Barre, VT (FHA|USDA|VA) 4 $1,890,000 $472,500 $4,918 6.56%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,880,000 $470,000 $12,826 6.94%
MADISON, WI (FHA|USDA|VA) 2 $1,850,000 $925,000 $4,317 6.19%
Ashtabula, OH (FHA|USDA|VA) 22 $1,790,000 $81,364 $3,584 8.08%
Ketchikan, AK (FHA|USDA|VA) 7 $1,785,000 $255,000 $4,062 8.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $1,785,000 $198,333 $14,772 6.18%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,740,000 $870,000 $16,263 5.75%
CHEYENNE, WY (FHA|USDA|VA) 3 $1,725,000 $575,000 $7,301 6.50%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,705,000 $243,571 $5,335 6.82%
The Dalles, OR (FHA|USDA|VA) 8 $1,690,000 $211,250 $6,165 7.78%
Warsaw, IN (FHA|USDA|VA) 12 $1,640,000 $136,667 $3,326 7.69%
GRANTS PASS, OR (FHA|USDA|VA) 6 $1,590,000 $265,000 $7,265 7.60%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $1,560,000 $780,000 $5,915 6.06%
SPRINGFIELD, OH (FHA|USDA|VA) 14 $1,510,000 $107,857 $2,551 8.71%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,475,000 $491,667 $6,887 6.38%
Roseburg, OR (FHA|USDA|VA) 2 $1,470,000 $735,000 $6,485 5.81%
LOGAN, UT-ID (FHA|USDA|VA) 6 $1,430,000 $238,333 $4,844 8.26%
Fremont, OH (FHA|USDA|VA) 13 $1,375,000 $105,769 $3,676 7.46%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,350,000 $675,000 $4,570 6.38%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $1,345,000 $448,333 $9,631 6.25%
SAVANNAH, GA (FHA|USDA|VA) 3 $1,325,000 $441,667 $5,910 6.04%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $1,295,000 $431,667 $5,574 6.17%
Cortland, NY (FHA|USDA|VA) 15 $1,285,000 $85,667 $3,070 8.79%
WILMINGTON, NC (FHA|USDA|VA) 2 $1,260,000 $630,000 $9,927 6.06%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,026 6.53%
Malone, NY (FHA|USDA|VA) 13 $1,215,000 $93,462 $4,390 7.95%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $5,241 5.63%
Kapaa, HI (FHA|USDA|VA) 3 $1,185,000 $395,000 $0 6.42%
Coos Bay, OR (FHA|USDA|VA) 3 $1,165,000 $388,333 $6,133 5.67%
NILES, MI (FHA|USDA|VA) 4 $1,160,000 $290,000 $6,830 6.41%
OCALA, FL (FHA|USDA|VA) 4 $1,160,000 $290,000 $7,131 6.03%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $1,120,000 $140,000 $3,497 9.33%
Angola, IN (FHA|USDA|VA) 7 $1,115,000 $159,286 $2,708 8.12%
Warren, PA (FHA|USDA|VA) 14 $1,110,000 $79,286 $1,843 9.27%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $1,090,000 $545,000 $6,910 7.44%
Durango, CO (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,591 5.94%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,719 6.50%
GAINESVILLE, FL (FHA|USDA|VA) 3 $1,035,000 $345,000 $18,939 8.21%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,005,000 $335,000 $5,456 8.71%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $995,000 $995,000 $10,860 6.38%
PITTSFIELD, MA (FHA|USDA|VA) 2 $990,000 $495,000 $15,362 10.13%
Morehead City, NC (FHA|USDA|VA) 1 $975,000 $975,000 $5,085 8.25%
STOCKTON, CA (FHA|USDA|VA) 1 $975,000 $975,000 $6,227 6.88%
Oneonta, NY (FHA|USDA|VA) 8 $920,000 $115,000 $3,599 7.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $905,000 $905,000 $7,823 6.25%
JACKSON, MI (FHA|USDA|VA) 6 $900,000 $150,000 $4,122 7.40%
PUEBLO, CO (FHA|USDA|VA) 2 $900,000 $450,000 $5,427 6.75%
MUNCIE, IN (FHA|USDA|VA) 6 $900,000 $150,000 $5,238 8.52%
Plymouth, IN (FHA|USDA|VA) 7 $855,000 $122,143 $3,943 7.75%
FORT WAYNE, IN (FHA|USDA|VA) 4 $840,000 $210,000 $4,302 6.38%
Sandpoint, ID (FHA|USDA|VA) 2 $830,000 $415,000 $4,810 7.06%
LANCASTER, PA (FHA|USDA|VA) 3 $825,000 $275,000 $5,623 6.71%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $825,000 $275,000 $4,189 5.83%
Glenwood Springs, CO (FHA|USDA|VA) 1 $815,000 $815,000 $10,388 7.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $805,000 $805,000 $15,948 6.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $805,000 $161,000 $3,882 7.33%
Ukiah, CA (FHA|USDA|VA) 1 $785,000 $785,000 $0 5.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $765,000 $255,000 $2,543 7.17%
Prineville, OR (FHA|USDA|VA) 3 $755,000 $251,667 $0 7.42%
New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $745,000 $248,333 $3,987 6.46%
Sonora, CA (FHA|USDA|VA) 1 $725,000 $725,000 $5,819 7.50%
Salem, OH (FHA|USDA|VA) 8 $710,000 $88,750 $1,796 9.02%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $710,000 $355,000 $5,340 7.56%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $700,000 $350,000 $3,773 9.57%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $690,000 $345,000 $4,092 6.69%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $6,872 7.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $665,000 $665,000 $13,182 4.63%
COLUMBUS, IN (FHA|USDA|VA) 3 $655,000 $218,333 $2,204 7.40%
Rutland, VT (FHA|USDA|VA) 4 $640,000 $160,000 $4,877 6.56%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $630,000 $315,000 $4,844 6.44%
BRUNSWICK, GA (FHA|USDA|VA) 1 $615,000 $615,000 $9,813 6.38%
ALTOONA, PA (FHA|USDA|VA) 1 $615,000 $615,000 $7,125 5.75%
Mountain Home, ID (FHA|USDA|VA) 4 $610,000 $152,500 $3,543 9.49%
Georgetown, SC (FHA|USDA|VA) 1 $605,000 $605,000 $7,008 6.25%
Lebanon, NH-VT (FHA|USDA|VA) 2 $600,000 $300,000 $3,954 7.44%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $590,000 $295,000 $6,871 6.19%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $585,000 $585,000 $11,825 7.88%
Defiance, OH (FHA|USDA|VA) 3 $575,000 $191,667 $3,481 7.88%
Steamboat Springs, CO (FHA|USDA|VA) 2 $570,000 $285,000 $0 8.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $565,000 $565,000 $4,604 5.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $560,000 $280,000 $3,964 7.13%
Ontario, OR-ID (FHA|USDA|VA) 4 $560,000 $140,000 $5,001 7.25%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $550,000 $275,000 $3,815 7.56%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $540,000 $270,000 $4,187 6.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $510,000 $255,000 $12,313 8.63%
Outside of Metro Areas 1 $505,000 $505,000 $0 6.88%
Newport, OR (FHA|USDA|VA) 3 $505,000 $168,333 $11,428 9.04%
Bozeman, MT (FHA|USDA|VA) 1 $505,000 $505,000 $0 10.38%
Jackson, WY-ID (FHA|USDA|VA) 5 $495,000 $99,000 $4,602 8.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $495,000 $495,000 $5,524 6.13%
REDDING, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,111 6.88%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $480,000 $240,000 $4,123 6.19%
Sevierville, TN (FHA|USDA|VA) 1 $475,000 $475,000 $0 6.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $475,000 $475,000 $5,311 6.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $475,000 $475,000 $3,392 6.25%
Traverse City, MI (FHA|USDA|VA) 2 $470,000 $235,000 $0 7.56%
Los Alamos, NM (FHA|USDA|VA) 1 $465,000 $465,000 $4,592 6.38%
TYLER, TX (FHA|USDA|VA) 1 $465,000 $465,000 $3,914 6.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $460,000 $115,000 $2,074 8.53%
Bennington, VT (FHA|USDA|VA) 1 $455,000 $455,000 $10,072 6.63%
Nogales, AZ (FHA|USDA|VA) 1 $445,000 $445,000 $10,140 7.63%
Juneau, AK (FHA|USDA|VA) 3 $435,000 $145,000 $1,532 11.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $430,000 $215,000 $4,230 6.69%
Sidney, OH (FHA|USDA|VA) 2 $420,000 $210,000 $4,266 6.94%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $415,000 $415,000 $6,006 6.88%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $410,000 $205,000 $4,576 8.50%
PANAMA CITY, FL (FHA|USDA|VA) 2 $410,000 $205,000 $5,795 9.50%
Shelby, NC (FHA|USDA|VA) 1 $405,000 $405,000 $2,285 5.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,654 7.00%
Klamath Falls, OR (FHA|USDA|VA) 1 $395,000 $395,000 $8,833 7.38%
THE VILLAGES, FL (FHA|USDA|VA) 2 $390,000 $195,000 $4,721 6.06%
Wilmington, OH (FHA|USDA|VA) 3 $385,000 $128,333 $3,120 7.96%
Hillsdale, MI (FHA|USDA|VA) 3 $385,000 $128,333 $3,379 7.67%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,291 6.38%
Wooster, OH (FHA|USDA|VA) 4 $370,000 $92,500 $1,566 8.72%
Cullowhee, NC (FHA|USDA|VA) 1 $365,000 $365,000 $11,221 6.50%
Marion, OH (FHA|USDA|VA) 1 $365,000 $365,000 $4,428 6.88%
GREENVILLE, NC (FHA|USDA|VA) 1 $365,000 $365,000 $3,430 7.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $360,000 $180,000 $5,038 7.06%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $360,000 $180,000 $3,556 8.06%
Elizabeth City, NC (FHA|USDA|VA) 1 $355,000 $355,000 $5,860 6.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $355,000 $355,000 $5,102 6.13%
Cadillac, MI (FHA|USDA|VA) 1 $355,000 $355,000 $0 7.00%
Pullman, WA (FHA|USDA|VA) 1 $345,000 $345,000 $3,555 6.63%
MORRISTOWN, TN (FHA|USDA|VA) 1 $335,000 $335,000 $5,528 6.38%
Tiffin, OH (FHA|USDA|VA) 4 $330,000 $82,500 $7,947 8.78%
Meadville, PA (FHA|USDA|VA) 1 $325,000 $325,000 $5,356 6.50%
FLINT, MI (FHA|USDA|VA) 2 $320,000 $160,000 $3,804 6.75%
Pottsville, PA (FHA|USDA|VA) 3 $305,000 $101,667 $0 8.83%
VISALIA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $5,526 5.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 11.00%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $295,000 $295,000 $13,381 6.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,568 6.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $9,932 6.38%
COLUMBIA, MO (FHA|USDA|VA) 1 $275,000 $275,000 $5,083 6.38%
BILLINGS, MT (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.38%
Bellefontaine, OH (FHA|USDA|VA) 1 $265,000 $265,000 $4,600 6.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $7,326 6.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $260,000 $130,000 $5,780 10.38%
Washington, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,929 6.00%
Portsmouth, OH (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.00%
Ashland, OH (FHA|USDA|VA) 2 $250,000 $125,000 $2,914 8.17%
Sturgis, MI (FHA|USDA|VA) 2 $250,000 $125,000 $4,898 8.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $245,000 $245,000 $3,038 6.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,614 6.88%
Hobbs, NM (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.13%
VALDOSTA, GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,770 5.88%
Mount Vernon, OH (FHA|USDA|VA) 2 $240,000 $120,000 $0 7.50%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $225,000 $225,000 $4,331 6.25%
Gallup, NM (FHA|USDA|VA) 1 $225,000 $225,000 $7,659 7.75%
Burley, ID (FHA|USDA|VA) 3 $225,000 $75,000 $688 9.40%
Zanesville, OH (FHA|USDA|VA) 2 $210,000 $105,000 $4,574 6.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,918 6.13%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $205,000 $205,000 $3,825 6.75%
New Castle, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,114 7.00%
Chillicothe, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,637 7.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.38%
LAWRENCE, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,761 6.25%
Seneca Falls, NY (FHA|USDA|VA) 1 $175,000 $175,000 $4,659 6.25%
Logansport, IN (FHA|USDA|VA) 2 $170,000 $85,000 $4,028 7.56%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $170,000 $85,000 $4,660 7.31%
Washington Court House, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,067 5.25%
Mexico, MO (FHA|USDA|VA) 1 $165,000 $165,000 $4,228 5.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,108 6.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $145,000 $145,000 $3,131 6.00%
Corning, NY (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,740 6.38%
Riverton, WY (FHA|USDA|VA) 1 $145,000 $145,000 $5,490 7.63%
Astoria, OR (FHA|USDA|VA) 1 $135,000 $135,000 $483 10.66%
Coldwater, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 10.50%
Urbana, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,609 6.25%
LIMA, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,834 7.50%
ROANOKE, VA (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.88%
Torrington, CT (FHA|USDA|VA) 2 $110,000 $55,000 $2,578 7.38%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $110,000 $55,000 $0 11.13%
ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,371 8.25%
Huntingdon, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.50%
Hailey, ID (FHA|USDA|VA) 1 $85,000 $85,000 $1,158 11.69%
Vernal, UT (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.25%
Marion, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,526 6.25%
Marietta, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,663 7.00%
Laconia, NH (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.75%
Sterling, CO (FHA|USDA|VA) 2 $60,000 $30,000 $0 11.00%
Moscow, ID (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
WALLA WALLA, WA (FHA|USDA|VA) 1 $55,000 $55,000 $893 11.58%
Price, UT (FHA|USDA|VA) 1 $45,000 $45,000 $882 8.87%
Gillette, WY (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.00%
ELMIRA, NY (FHA|USDA|VA) 1 $45,000 $45,000 $2,078 5.75%
Keybank's top markets include Seattle, Buffalo, Denver, Portland, and Cleveland among others.

Their top states include:
  • Washington (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,622 $2,214,080,000 $334,352 $4,584 6.93%
    HELOC 4,752 $628,870,000 $132,338 n/a 9.10%
    FHA 409 $86,535,000 $211,577 $8,400 6.39%
    VA 73 $19,315,000 $264,589 $6,091 6.31%

    For 2023, Keybank's most frequently originated type of loan was Conventional, with 6,622 originations. Their 2nd most popular type was HELOC, with 4,752 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,553 $1,861,615,000 $408,877 $6,030 6.44%
    Other 2,576 $335,680,000 $130,311 $2,409 9.23%
    Home Improvement 2,177 $280,875,000 $129,019 $1,459 8.72%
    Refi 1,823 $307,595,000 $168,730 $2,311 8.35%
    Cash Out Refi 727 $163,035,000 $224,257 $5,046 6.77%

    For 2023, Keybank's most frequently cited loan purpose was Home Purchase, with 4,553 originations. The 2nd most popular reason was Other, with 2,576 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,961 $2,582,895,000 $259,301 $5,626 7.76%
    15 Year 717 $84,825,000 $118,305 $2,474 8.17%
    20 Year 399 $63,955,000 $160,288 $2,259 9.29%
    Other 385 $151,385,000 $393,208 $1,504 7.77%
    10 Year 342 $46,610,000 $136,287 $1,815 5.41%
    5 Year 49 $2,055,000 $41,939 $906 8.90%
    3 Year 3 $17,075,000 $5,691,667 $742 10.04%

    For 2023, Keybank's most frequently cited loan duration was 30 Year, with 9,961 originations. The 2nd most popular length was 15 Year, with 717 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,884 $956,350,000 $331,605
    $<1k 1,671 $168,085,000 $100,589
    $2k-3k 919 $292,975,000 $318,798
    $5k+ 602 $378,110,000 $628,090
    $3k-4k 408 $147,720,000 $362,059
    $4k-5k 242 $111,650,000 $461,364

    Keybank's average total fees were $5,626, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,884 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 3,911 $420,275,000 $107,460
    6-7% 3,248 $1,041,230,000 $320,576
    7-8% 2,767 $685,805,000 $247,851
    5-6% 1,616 $739,880,000 $457,847
    <2.5% 242 $11,560,000 $47,769
    4-5% 55 $40,905,000 $743,727
    3-4% 16 $8,710,000 $544,375
    2.5-3% 1 $435,000 $435,000

    During 2023, Keybank's average interest rate for loans was 7.76%, while their most frequently originated rate bucket for loans was Over 8%, with 3,911 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 4,290 $239,510,000 $55,830 $1,812 8.78%
    $100k-200k 3,088 $437,880,000 $141,801 $4,129 7.69%
    $200k-400k 2,512 $699,990,000 $278,658 $5,492 7.13%
    $400k-600k 993 $479,455,000 $482,835 $7,128 6.87%
    $600k-1MM 671 $504,015,000 $751,140 $8,040 6.26%
    $1MM+ 302 $587,950,000 $1,946,854 $10,767 6.15%

    2023 saw Keybank place emphasis on $100,000 or less loans with 4,290 originations, totaling $239,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,258 $420,530,000 $186,240 $4,783 8.08%
    $150k-250k 2,157 $628,265,000 $291,268 $5,689 7.83%
    $50k-75k 2,151 $261,665,000 $121,648 $3,738 7.79%
    $250k+ 1,768 $1,031,770,000 $583,580 $7,917 7.30%
    $75k-100k 1,701 $248,435,000 $146,052 $4,041 7.95%
    $50k or less 1,458 $119,090,000 $81,680 $3,128 7.71%

    Keybank lent most frequently to those with incomes in the $100k-150k range, with 2,258 originations. The second most popular income band? $150k-250k, with 2,157 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,861 $423,975,000 $227,821 $4,484 7.48%
    30-36% 1,783 $413,555,000 $231,943 $4,828 7.60%
    49% 1,082 $261,790,000 $241,950 $5,230 8.26%
    50-60% 928 $137,010,000 $147,640 $7,132 8.63%
    <20% 656 $157,430,000 $239,985 $4,335 7.20%
    44% 565 $113,575,000 $201,018 $4,218 8.05%
    48% 511 $146,035,000 $285,783 $5,402 7.85%
    42% 498 $146,000,000 $293,173 $5,055 7.64%
    43% 458 $105,350,000 $230,022 $4,744 7.91%
    47% 449 $110,775,000 $246,715 $4,939 7.98%
    46% 431 $113,785,000 $264,002 $4,941 7.77%
    45% 416 $100,630,000 $241,899 $5,029 8.00%
    41% 399 $100,645,000 $252,243 $4,751 7.69%
    40% 395 $99,245,000 $251,253 $4,953 7.70%
    39% 378 $93,810,000 $248,175 $4,547 7.66%
    38% 363 $92,585,000 $255,055 $4,909 7.61%
    37% 324 $74,810,000 $230,895 $4,659 7.63%
    36% 324 $83,930,000 $259,043 $4,723 7.67%
    >60% 3 $825,000 $275,000 $0 7.92%

    Keybank lent most frequently to those with DTI ratios of 20-30%, with 1,861 originations. The next most common DTI ratio? 30-36%, with 1,783 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,983 $1,902,455,000 $211,784 $4,555 7.94%
    Not provided 1,462 $395,290,000 $270,376 $4,988 7.59%
    Asian 631 $303,195,000 $480,499 $6,838 6.69%
    Not applicable 12 $172,940,000 $14,411,667 $0 7.05%
    Black 547 $93,975,000 $171,801 $4,559 6.99%
    Asian Indian 81 $41,985,000 $518,333 $7,607 7.30%
    American Indian 61 $12,445,000 $204,016 $4,806 7.81%
    Other Asian 26 $6,990,000 $268,846 $6,165 8.27%
    Chinese 14 $6,810,000 $486,429 $8,719 6.51%
    Filipino 7 $3,595,000 $513,571 $11,000 6.91%
    Native Hawaiian or Islander 13 $3,265,000 $251,154 $10,835 8.13%
    Vietnamese 8 $2,400,000 $300,000 $6,317 7.66%
    Korean 3 $1,575,000 $525,000 $5,548 6.54%
    Japanese 3 $1,125,000 $375,000 $2,966 8.03%
    Native Hawaiian 2 $440,000 $220,000 $0 9.50%
    Other Pacific Islander 3 $315,000 $105,000 $3,095 9.42%

    Approval Rates

    Total approvals of all applications
    69.40%

    Keybank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    77.56%

    Keybank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,856 $2,948,800,000 $248,718

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,856 $2,948,800,000 $248,718

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,639 $420,245,000 $159,244 $2,646 8.54%
    40-60% 1,448 $391,480,000 $270,359 $4,270 7.41%
    60-80% 2,172 $816,470,000 $375,907 $5,822 6.86%
    80-100% 2,730 $1,116,860,000 $409,106 $6,178 6.50%
    Over 100% 9 $2,615,000 $290,556 $11,953 6.19%
    Under 20% 2,858 $201,130,000 $70,374 $1,227 9.17%