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Relationships matter. If you have a KeyBank checking account and a KeyBank savings or investment account, we give you a .25% interest rate discount1 2 on your mortgage. Learn how you can get the best rates in town.

Compare Today’s Mortgage Rates

Where is your home located?

Today’s rates for KeyBank clients in Alaska
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.307%
15 Fixed Rate3.750%3.850%
7/1 Adjustable Rate*3.875%4.460%
5/1 Adjustable Rate*3.750%4.539%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Colorado
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.357%
15 Fixed Rate3.750%3.936%
7/1 Adjustable Rate*3.875%4.508%
5/1 Adjustable Rate*3.750%4.588%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Connecticut
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.323%
15 Fixed Rate3.750%3.878%
7/1 Adjustable Rate*3.875%4.475%
5/1 Adjustable Rate*3.750%4.555%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Idaho
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.315%
15 Fixed Rate3.750%3.863%
7/1 Adjustable Rate*3.875%4.467%
5/1 Adjustable Rate*3.750%4.547%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Indiana
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.333%
15 Fixed Rate3.750%3.896%
7/1 Adjustable Rate*3.875%4.485%
5/1 Adjustable Rate*3.750%4.565%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Maine
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.328%
15 Fixed Rate3.750%3.886%
7/1 Adjustable Rate*3.875%4.480%
5/1 Adjustable Rate*3.750%4.560%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Massachusetts
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.323%
15 Fixed Rate3.750%3.878%
7/1 Adjustable Rate*3.875%4.475%
5/1 Adjustable Rate*3.750%4.555%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Michigan
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.335%
15 Fixed Rate3.750%3.899%
7/1 Adjustable Rate*3.875%4.487%
5/1 Adjustable Rate*3.750%4.567%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in New York
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.335%
15 Fixed Rate3.750%3.898%
7/1 Adjustable Rate*3.875%4.487%
5/1 Adjustable Rate*3.750%4.566%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Ohio
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.343%
15 Fixed Rate3.750%3.913%
7/1 Adjustable Rate*3.875%4.495%
5/1 Adjustable Rate*3.750%4.575%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Oregon
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.328%
15 Fixed Rate3.750%3.886%
7/1 Adjustable Rate*3.875%4.480%
5/1 Adjustable Rate*3.750%4.560%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Pennsylvania
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.345%
15 Fixed Rate3.750%3.916%
7/1 Adjustable Rate*3.875%4.497%
5/1 Adjustable Rate*3.750%4.577%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Utah
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.326%
15 Fixed Rate3.750%3.882%
7/1 Adjustable Rate*3.875%4.478%
5/1 Adjustable Rate*3.750%4.558%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Vermont
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.336%
15 Fixed Rate3.750%3.900%
7/1 Adjustable Rate*3.875%4.488%
5/1 Adjustable Rate*3.750%4.568%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Today’s rates for KeyBank clients in Washington
Rates effective as of 10:00 AM ET on Friday, April 19, 2019

Mortgage TypeInterest RateAPR
30 Fixed Rate4.250%4.337%
15 Fixed Rate3.750%3.903%
7/1 Adjustable Rate*3.875%4.489%
5/1 Adjustable Rate*3.750%4.569%

Disclosures

What to know about the above mortgage rates:

Rates shown are based on a conforming, first-lien mortgage loan amount of $175,000 for a single-family, owner-occupied residence with a maximum loan to value ratio of 75%, a 0.25% interest rate discount,1 2 for a qualified client with eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 60 days, an excellent credit including 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.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Learn more about estimated mortgage payments.

Contact Us

Learn how KeyBank can help you with your home financing needs. Call us or connect with a local mortgage loan officer to get started.

Call Us

1-888-539-0018

Mon-Fri 8:00am - 8:00pm ET
Saturdays 9:00am - 3:00pm ET

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Disclosures

1

To receive the 0.25% relationship discount, borrower must be a KeyBank client and own an eligible checking AND savings account with KeyBank. An eligible checking account includes those deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. An eligible savings account includes those deposit accounts designated as savings accounts by KeyBank, certificates of deposit, individual retirement accounts, or investment accounts offered through Key Investment Services LLC (KIS).

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.

Relationship discount is not available for state bond programs (i.e., SONYMA in New York). Other product restrictions may apply. May not be combined with any other offers or discount programs. Not available on home equity loans or home equity lines of credit.

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.

Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. KIS is affiliated with KeyBank National Association (KeyBank).

Investment products made available through KIS are:

NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY.

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. NMLS#399797

Call Us

1-888-539-0018

Clients using a TDD/TTY device:
1-800-539-8336

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