Be comfortable with how your mortgage fits your budget. These sample rates will help you get an idea of what your mortgage payments might be like. For estimates based on your personal financial situation and goals, use our mortgage calculator or contact us to learn more.
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Mortgage interest rates for KeyBank clients in Alaska
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.308% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.389% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,724.63 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,741.59 | ||||
Mortgage interest rates for KeyBank clients in Colorado
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.347% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.453% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,711.87 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,730.75 | ||||
Mortgage interest rates for KeyBank clients in Connecticut
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.321% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.410% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,720.48 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,738.06 | ||||
Mortgage interest rates for KeyBank clients in Idaho
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.314% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.399% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,722.66 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,739.91 | ||||
Mortgage interest rates for KeyBank clients in Indiana
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.329% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.423% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,717.84 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,735.82 | ||||
Mortgage interest rates for KeyBank clients in Maine
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.324% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.416% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,719.22 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,736.99 | ||||
Mortgage interest rates for KeyBank clients in Massachusetts
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.321% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.410% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,720.48 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,738.06 | ||||
Mortgage interest rates for KeyBank clients in Michigan
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.330% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.426% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,717.34 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,735.39 | ||||
Mortgage interest rates for KeyBank clients in New York
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.330% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.425% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,717.52 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,735.54 | ||||
Mortgage interest rates for KeyBank clients in Ohio
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.336% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.436% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,715.27 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,733.64 | ||||
Mortgage interest rates for KeyBank clients in Oregon
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.324% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.416% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,719.22 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,736.99 | ||||
Mortgage interest rates for KeyBank clients in Pennsylvania
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.338% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.439% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,714.77 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,733.21 | ||||
Mortgage interest rates for KeyBank clients in Utah
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.323% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.414% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,719.79 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,737.47 | ||||
Mortgage interest rates for KeyBank clients in Vermont
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.331% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.427% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,717.15 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,735.23 | ||||
Mortgage interest rates for KeyBank clients in Washington
Last updated at 10:00 AM ET on Thursday, March 30, 2023
| Mortgage Type | Interest Rate | Points | APR | Estimated Principal and Interest Payments | ||
|---|---|---|---|---|---|---|
| # of Months | Rate | Amount | ||||
| 30 Fixed Rate | 6.250% | 0.106 | 6.332% | 360 | 6.250% | $1,539.29 |
| 15 Fixed Rate | 5.125% | 1.106 | 5.428% | 180 | 5.125% | $1,993.3 |
| 7/6 mo. Adjustable Rate* | 7.000% | 0.3 | 7.292% | 360 | 7.000% | $1,663.26 |
| 276 | 7.625% | $1,716.82 | ||||
| 5/6 mo. Adjustable Rate* | 7.125% | 0.104 | 7.418% | 360 | 7.125% | $1,684.3 |
| 300 | 7.625% | $1,734.95 | ||||
What to know about the above mortgage rates:
Rates shown are based on a conforming, first-lien purchase mortgage loan amount of $250,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount1 2 for a qualified client with automatic payments from an eligible KeyBank checking account, mortgage rate lock period of 60 days, with an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower. Your actual rate may be higher or lower than those shown based on information relating to these factors as determined after you apply. Payment amounts shown consist of principal and interest, and do not include amounts for taxes and insurance. Your actual monthly payment obligation may be greater.
For your personalized rate quote, contact a Mortgage Loan Officer today.
*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM, 7 years for a 7/6 mo. ARM) and assume a 30-year repayment term.
FHA, VA and other mortgage loan terms and programs are available.
Mortgage Terms & Conditions:
The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown is based on interest rate, points and certain estimated finance charges. Your actual APR may be different.
Points, also known as discount points, are an amount paid at closing to the lender to lower your interest rate. One point equals one percent of the loan amount. Negative points reflect an amount the lender will pay to you at closing, also known as a lender credit.
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Frequently Asked Questions
APR, or annual percentage rate, and interest rate are two similar things with one major difference. The interest rate you see on your loan is the cost of borrowing a principal loan amount. The APR includes interest rate plus any other fees or costs you would pay on that loan. To learn more, see the article APR vs. Interest Rate: What's the Difference?
This seems like something any homeowner would want to know, so we’ve put together our top six strategies for lower mortgage payments.
The big picture is that mortgage rates change based on supply and demand and the impacts of factors from inflation to the health of the housing market. The rate you get is based on information including your home location, credit score, down payment amount, mortgage type and the risk a lender associates with lending to you.
To learn more about the factors that influence your rates, see our article What Affects Mortgage Interest Rates? A Guide for Homebuyers.
For decades, major global banks have used something called the London Interbank Offered Rate, or LIBOR, as the benchmark reference rate for government and corporate bonds, mortgages, student loans, credit cards, derivatives and other financial products.
Now, banks have switched to new replacement index alternatives which include the Secured Overnight Financing Rate (SOFR). Many KeyBank Adjustable Rate Mortgages (ARMs) originated prior to February 1, 2021, specify U.S. Dollar London Interbank Offered Rate (also known as “LIBOR”) as the index to be used to calculate the interest rate and the payments to be made. LIBOR is scheduled to cease being published in its current form after June 30, 2023. Learn more about what will happen to these ARMs when LIBOR is no longer available.
NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.
NMLS# 399797
1
Borrower may choose to take advantage of the offered 0.25% interest rate discount by electing to enroll in automated recurring mortgage payments from an eligible KeyBank checking account. An eligible checking account includes those consumer deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. Borrower may open eligible KeyBank checking account to qualify for the interest rate discount. Normal checking account service charges apply. Refer to specific checking account disclosures for details. Authorization agreement to automatically debit mortgage payments from a KeyBank deposit account must be signed and completed prior to loan closing.
2
For fixed-rate mortgages, the 0.25% rate discount is a permanent interest rate reduction that will be reflected in the Promissory Note interest rate. For adjustable-rate mortgages, the 0.25% rate discount will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase over the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note.
Interest rate discount may not be available for all products. May be combinable with other offers. Ask us for details.
