Grade A · 0% of disclosures flagged for junk fees
Bank · Ohio · NMLS #399804
Avg Closing Costs
$4,149
median across reports
vs. National Average
23%
above national avg
Avg Origination Charge
$2,048
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Title Insurance | $3,397 | $3,111 | 🟡 Average |
| Origination Fee | $2,048 | $1,584 | 🔴 Above Avg |
| Underwriting Fee | $1,600 | $1,473 | 🟡 Average |
| discount_points | $1,501 | $2,242 | 🟢 Below Avg |
| lender_credits | $1,290 | $428 | 🔺 High |
| Appraisal | $1,151 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,048 | $986 | 🟡 Average |
| Processing Fee | $830 | $790 | 🟡 Average |
| Title Search | $425 | $392 | 🟡 Average |
| Rate Lock Fee | $376 | $376 | 🟡 Average |
| Recording Fee | $372 | $344 | 🟡 Average |
| Document Preparation | $147 | $147 | 🟡 Average |
| Tax Service Fee | $136 | $128 | 🟡 Average |
| Wire Transfer Fee | $73 | $69 | 🟡 Average |
| Credit Report | $72 | $69 | 🟡 Average |
| Courier/Delivery | $62 | $58 | 🟡 Average |
| Flood Certification | $26 | $23 | 🔴 Above Avg |
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Check My Loan Estimate — $19Based on 6,406 homebuyer-submitted Closing Disclosures, KeyBank N.A.'s median total closing costs are $4,149. This is about 23% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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Average Closing Costs by State
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Closing Costs in Ohio
State-specific benchmarks for Ohio.
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Aggregates from KeyBank National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
3,027
Ranked #160 nationally
Median Total Costs
$4,791
−28.3% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
Median Origination
$1,522
Median Lender Credits
$468
Cost Rank (500+ vol.)
#174
among lenders with 500+ originations
Denial Rate
13.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,668 | 6.375% | $4,599 | $1,493 |
| fha | 285 | 6.125% | $8,757 | $1,916 |
| va | 74 | 6.000% | $6,188 | $531 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 1,020 | 6.375% | $4,755 | #23 |
| Ohio | 723 | 6.375% | $4,416 | #38 |
| Washington | 247 | 6.250% | $5,718 | #52 |
| Indiana | 165 | 6.375% | $3,422 | #95 |
| Oregon | 148 | 6.125% | $6,483 | #54 |
| Pennsylvania | 140 | 6.375% | $5,045 | #133 |
| Michigan | 81 | 6.375% | $3,906 | #124 |
| Colorado | 74 | 6.250% | $4,630 | #122 |
| Connecticut | 69 | 6.375% | $4,942 | #64 |
| Idaho | 62 | 6.312% | $7,045 | #60 |
| Maine | 53 | 6.500% | $4,400 | #42 |
| Florida | 42 | 6.500% | $5,984 | — |
| Utah | 33 | 6.125% | $4,945 | — |
| Massachusetts | 24 | 6.375% | $5,029 | — |
| Alaska | 20 | 6.375% | $7,272 | — |
| California | 13 | 6.125% | $7,862 | — |
| Tennessee | 11 | 6.125% | $4,804 | — |
| Vermont | 10 | 6.438% | $6,047 | — |
| Georgia | 9 | 6.125% | $7,780 | — |
| Texas | 9 | 6.375% | $6,698 | — |
| Illinois | 8 | 6.625% | $7,651 | — |
| North Carolina | 8 | 6.250% | $3,832 | — |
| South Carolina | 8 | 6.562% | $5,004 | — |
| Arizona | 7 | 6.500% | $6,013 | — |
| Kentucky | 6 | 6.250% | $4,504 | — |
| Maryland | 5 | 6.000% | $5,158 | — |
| Nevada | 5 | 6.125% | $7,652 | — |
| Virginia | 5 | 6.375% | $4,197 | — |
| New Hampshire | 4 | 6.812% | $4,102 | — |
| New Jersey | 4 | 6.250% | $7,796 | — |
| Wisconsin | 3 | 6.375% | $4,521 | — |
| District of Columbia | 2 | 6.625% | $5,281 | — |
| Montana | 2 | 7.062% | $6,545 | — |
| New Mexico | 2 | 6.188% | $13,143 | — |
| Wyoming | 2 | 5.688% | $4,685 | — |
| Delaware | 1 | 7.375% | $5,661 | — |
| Missouri | 1 | 7.000% | $4,355 | — |
| Rhode Island | 1 | 6.500% | $3,825 | — |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,755 | $6,400 | $6,680 |
| Interest Rate | 6.375% | 6.500% | 6.490% |
| Originations in state | 1,020 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | KeyBank National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $4,791 | $7,127 | −$2,336 (−32.8%) |