KeyBank National Association
8,717 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,717
- Median rate
- 6.625%
- Median lender fees
- $4,135
- Median loan amount
- $175,000
- Median spread over APOR
- 0.274
- Paid discount points
- 40.4%
- Received lender credits
- 46.7%
- Purchases / refinances
- 40.6% / 28.5%
- Conventional / FHA / VA
- 94.3% / 4.5% / 1.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.9% of loans here — see methodology.
Where KeyBank National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 2,485 | $4,264 | 6.500% |
| Ohio | 2,071 | $3,732 | 6.625% |
| Washington | 869 | $4,668 | 6.625% |
| Pennsylvania | 597 | $3,856 | 7.190% |
| Indiana | 489 | $3,183 | 6.625% |
| Oregon | 470 | $5,384 | 6.875% |
| Connecticut | 299 | $4,161 | 7.000% |
| Colorado | 227 | $3,670 | 6.750% |
| Maine | 223 | $3,842 | 7.500% |
| Michigan | 180 | $3,711 | 6.500% |
| Idaho | 180 | $5,938 | 6.625% |
| Utah | 136 | $4,248 | 6.750% |
| Florida | 90 | $6,307 | 6.625% |
| Massachusetts | 58 | — | 6.500% |
| Alaska | 52 | — | 6.813% |