Lender in New York · HMDA 2025
KeyBank, N.A. mortgages in New York
KeyBank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
KeyBank, N.A. originated 1,583 owner-occupied single-family loans in New York from 2,048 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $4,550 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
1,583
of 2,048 applications
Denial rate
13.4%
Purchase · NY 9.5%
Rate spread
−0.08 pts
Conv. · NY +0.07 pts
Loan amount
$225,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,210 | 1,039 | 13.4% | 6.375% | −0.08 pts | $4,550 | $225,000 |
| Refinance | 144 | 96 | 29.9% | 6.375% | −0.05 pts | $3,230 | $125,000 |
| Cash-out refinance | 694 | 448 | 34.4% | 6.625% | +0.13 pts | $3,570 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where KeyBank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 40.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cayuga County | 4 | 32 | 5.8% |
| Niagara County | 5 | 140 | 6.6% |
| Columbia County | 5 | 19 | 3.9% |
| Franklin County | 5 | 11 | 5.3% |
| Erie County | 6 | 516 | 5.5% |
| Montgomery County | 7 | 21 | 5.0% |
| Albany County | 8 | 59 | 2.3% |
| Schenectady County | 8 | 45 | 2.6% |
| Rensselaer County | 8 | 40 | 2.7% |
| Genesee County | 8 | 20 | 4.2% |
| Oneida County | 9 | 61 | 3.3% |
| Chautauqua County | 9 | 24 | 2.8% |
| Orleans County | 9 | 10 | 2.9% |
| Cortland County | 10 | 7 | 2.2% |
| Lewis County | 10 | 4 | 1.9% |
| Fulton County | 11 | 11 | 2.5% |
| Livingston County | 11 | 8 | 1.7% |
| Clinton County | 12 | 7 | 1.4% |
| Greene County | 12 | 7 | 1.9% |
| Tompkins County | 13 | 7 | 1.2% |
| Monroe County | 14 | 104 | 1.4% |
| St. Lawrence County | 14 | 8 | 1.5% |
| Saratoga County | 15 | 40 | 1.7% |
| Dutchess County | 15 | 39 | 1.6% |
| Warren County | 15 | 9 | 1.6% |
| Onondaga County | 16 | 97 | 2.3% |
| Wyoming County | 16 | 6 | 1.7% |
| Schoharie County | 16 | 5 | 2.0% |
| Madison County | 17 | 11 | 1.8% |
| Otsego County | 17 | 6 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology