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We analyzed every closed loan from Keybank National Association — 4.6k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
KeyBank National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +9.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,869 | 84.9% | +0.096%Above | $1,472Fees | ||||
FHA Loans | 356 | 7.8% | +0.212%Above | $1,368Fees | ||||
VA Loans | 90 | 2.0% | -0.517%Below | $732Fees | ||||
Jumbo Loans | 243 | 5.3% | +0.005%Above | $931Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,137 | 68.8% | +0.063%Above | $1,111Fees | ||||
Refinance | 1,421 | 31.2% | +0.154%Above | $1,845Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,558
Applications
7,159
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.090%
vs. market APOR
Avg Net Fees
$1,334
Origination − Credits
Pullthrough Rate
63.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$320,884
Avg Borrower Income
$145,241
Avg Property Value
$466,534
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
40
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALAZCACOCTDCFLGAHIIAIDILINKYMAMDMEMIMOMTNCNHNJNMNVNYOHORPARISCTNTXUTVAVTWAWIWY
Top Metro Areas by Place Specialization Score
1
Buffalo, NYMSA
Volume: 565Mix: 12.40%of portfolio
Place
Exceptional2
Toledo, OH, OHMSA
Volume: 223Mix: 4.89%of portfolio
Place
Exceptional3
Cleveland, OH, OHMSA
Volume: 313Mix: 6.87%of portfolio
Place
Strong4
Seattle, WAMSA
Volume: 242Mix: 5.31%of portfolio
Place
Strong5
Indianapolis, INMSA
Volume: 190Mix: 4.17%of portfolio
Place
Strong6
Utica, NYMSA
Volume: 59Mix: 1.29%of portfolio
Place
Strong7
Albany, NYMSA
Volume: 183Mix: 4.01%of portfolio
Place
Strong8
Syracuse, NY, NYMSA
Volume: 120Mix: 2.63%of portfolio
Place
Strong9
Everett, WA, WAMSA
Volume: 83Mix: 1.82%of portfolio
Place
Strong10
Tacoma, WAMSA
Volume: 69Mix: 1.51%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 1,503Mix: 32.97%of portfolio
Place
Exceptional2
OHState
Volume: 997Mix: 21.87%of portfolio
Place
Exceptional3
WAState
Volume: 540Mix: 11.85%of portfolio
Place
Exceptional4
ORState
Volume: 204Mix: 4.48%of portfolio
Place
Strong5
INState
Volume: 276Mix: 6.06%of portfolio
Place
Strong6
PAState
Volume: 226Mix: 4.96%of portfolio
Place
Strong7
MEState
Volume: 112Mix: 2.46%of portfolio
Place
Strong8
CTState
Volume: 115Mix: 2.52%of portfolio
Place
Strong9
IDState
Volume: 75Mix: 1.65%of portfolio
Place
Sound10
MIState
Volume: 100Mix: 2.19%of portfolio
Place
SoundShowing 10 of 20 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.