# KeyBank National Association

> **Canonical URL:** https://saferate.com/lenders/keybank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KeyBank National Association is a bank, headquartered in Cleveland, OH, serving borrowers nationwide, with 4,558 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** HUX2X73FUCYHUVH1BK78
- **Headquarters:** Cleveland, OH
- **Geographic Reach:** National
- **States Served:** 40
- **State List:** AK, AL, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KY, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.090%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,334
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,558
- **Dollar Volume:** $1.5 billion
- **Applications Received:** 7,159
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $320,884
- **Average Borrower Income:** $145,241
- **Average Property Value:** $466,534

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 3,869 | +0.096% | $1,472 | Exceptional 🤩 |
| FHA | 77/100 | 356 | +0.212% | $1,368 | Strong 😀 |
| VA | 72/100 | 90 | -0.517% | $732 | Strong 😀 |
| Jumbo | 83/100 | 243 | +0.005% | $-931 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,627 loans, Score: 81/100 (Exceptional)
- Refinance: 1,242 loans, Score: 84/100 (Exceptional)

**FHA:**
- Purchase: 259 loans, Score: 75/100 (Strong)
- Refinance: 97 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 73 loans, Score: 71/100 (Strong)

**Jumbo:**
- Purchase: 178 loans, Score: 83/100 (Exceptional)
- Refinance: 65 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 3,137 | $1.1B | +0.063% | Exceptional 🤩 |
| Refinance | 84/100 | 1,421 | $379M | +0.154% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,503 | 1.33% | 88/100 |
| OH | 997 | 0.74% | 82/100 |
| WA | 540 | 0.64% | 81/100 |
| IN | 276 | 0.30% | 69/100 |
| PA | 226 | 0.19% | 67/100 |
| OR | 204 | 0.48% | 71/100 |
| CT | 115 | 0.33% | 64/100 |
| ME | 112 | 0.73% | 67/100 |
| MI | 100 | 0.09% | 57/100 |
| ID | 75 | 0.28% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 575 | 71/100 |
| Buffalo | NY | 565 | 89/100 |
| Cleveland, OH | OH | 313 | 79/100 |
| Seattle | WA | 242 | 77/100 |
| Toledo, OH | OH | 223 | 87/100 |
| Indianapolis | IN | 190 | 72/100 |
| Albany | NY | 183 | 71/100 |
| Rochester, NY | NY | 142 | 67/100 |
| Portland | OR-WA | 120 | 66/100 |
| Syracuse, NY | NY | 120 | 71/100 |
| Columbus, OH | OH | 109 | 67/100 |
| Pittsburgh, PA | PA | 97 | 67/100 |
| Everett, WA | WA | 83 | 70/100 |
| Akron, OH | OH | 75 | 68/100 |
| New York | NY-NJ | 72 | 58/100 |

## Where This Lender Ranks

KeyBank National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Buffalo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Buffalo for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Albany for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Rochester, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Kiryas Joel for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Utica for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Salem, OR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Anchorage, AK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in New York for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Buffalo Banks
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks)
- 🥈 **#2** in Buffalo for Conventional Loans
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Buffalo for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Toledo, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Toledo, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Oregon for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Albany for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tacoma Banks
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/banks)
- 🥈 **#2** in Tacoma for Conventional Loans
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does KeyBank National Association offer?

KeyBank National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KeyBank National Association offer mortgages?

KeyBank National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are KeyBank National Association's mortgage rates?

KeyBank National Association has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.090% above market average.

### What type of lender is KeyBank National Association?

KeyBank National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cleveland, OH.

### What is KeyBank National Association's loan approval success rate?

KeyBank National Association has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/keybank-national-association

### How to Cite

> "KeyBank National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/keybank-national-association

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