KeyBank National Association NMLS #399797
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Who is KeyBank National Association?
KeyBank National Association (NMLS #399797) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerKeyBank National Association
- NMLS #399797
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 13,267 applications decided by KeyBank National Association in 2025, 8,717 were originated, 205 were approved but not accepted by the borrower, and 4,345 were denied.
- Median rate spread0.274 (reported on 8,330 originations, 387 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 67.2%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for KeyBank National Association — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About KeyBank National Association
Overview
KeyBank National Association is a mortgage lender with an active company registration. Its primary regulator is the Office of the Comptroller of the Currency.
Company details and licensing
KeyBank National Association is the legal company name. Its headquarters are at 127 Public Square, Cleveland, Ohio 44114-1306. The company’s NMLS ID is 399797.
Licensing is verifiable through NMLS Consumer Access.
Frequently Asked Questions
What is KeyBank National Association's NMLS number?
KeyBank National Association's NMLS number is 399797. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified KeyBank National Association's NMLS ID?
Yes. We checked KeyBank National Association's company name and NMLS ID against the NMLS record on May 14, 2026. They've been in our lender network since November 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about KeyBank National Association?
This page has KeyBank National Association's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.