Home equity loan (fixed) · United States
KeyBank Home Equity Loan: what $50,000 costs by the day you sell
This provider shows its cost terms only after you apply. Its own pages publish no rate, fee, or share, so nothing on this page can be computed from public information.
Everything below is what the provider does state publicly, with the parts it does not state marked as such.
What does the provider publish?
This provider shows its cost terms only after you apply. Its own pages publish no rate, fee, or share, so nothing on this page can be computed from public information.
| Term | As published | Where |
|---|---|---|
| Rate type | fixed | source |
| Flat fee | $295 | source |
| Early payoff | If you voluntarily prepay your loan in full and terminate your account within 36 months after you sign the note, you will reimburse Key for bona fide fees it paid to third parties on your behalf in connection with the opening of your account. | source |
| States | Not all home lending products are available in all states | source |
Notes from the page; text in quotation marks is quoted verbatim. “Current home equity loan page (https://www.key.com/personal/home-loans-lines/home-equity-loan.html) shows only HELOC content ($10,000 to $500,000, up to 80% CLTV, 0.25% interest rate discount). The promo page carries a stale disclosure dated December 10, 2021: 'If you borrow $50,000 secured by an owner-occupied home, for 180 months at 3.22% APR, the monthly payment would be $350.72' - not treated as a current published rate. Same page: origination fee $295 (owner-occupied) / $295 plus 1% of the loan amount (non-owner occupied); 'If you voluntarily prepay your loan in full and terminate your account within 36 months after you sign the note, you will reimburse Key for bona fide fees it paid to third parties on your behalf'.” checked 2026-08-25
States: not stated in the provider's published documentation (checked 2026-08-25).
Minimum credit score: not stated in the provider's published documentation (checked 2026-08-25).
Maximum combined loan-to-value: not stated in the provider's published documentation (checked 2026-08-25).
Minimum amount: not stated in the provider's published documentation (checked 2026-08-25).
Maximum amount: not stated in the provider's published documentation (checked 2026-08-25).
Minimum home value: not stated in the provider's published documentation (checked 2026-08-25).
Lowest published APR: not stated in the provider's published documentation (checked 2026-08-25).
Highest published APR: not stated in the provider's published documentation (checked 2026-08-25).
Annual fee: not stated in the provider's published documentation (checked 2026-08-25).
Closing costs: not stated in the provider's published documentation (checked 2026-08-25).
Early-payoff charge: not stated in the provider's published documentation (checked 2026-08-25).
Term: not stated in the provider's published documentation (checked 2026-08-25).
Term options: not stated in the provider's published documentation (checked 2026-08-25).
Who owns it?
Owned by KeyCorp. Source. checked 2026-08-25
Where this leaves you
- You cannot budget from this page. Ask the provider, in writing, for the rate or the share, every fee, the term, and what you would owe if you sold in year 3, 5, and 10 on the value of your own home.
- Ask whether there is a cap on what you repay, and whether the starting value is adjusted below the appraisal. Those two terms move the answer more than the fee.
- Providers that do publish enough to compute are listed in the full list.
Who this page is not for
This is not a review. We have not used KeyBank, we hold no opinion on its service, and nothing here is a recommendation or advice. It answers one question: what the published terms turn into by the day you sell.
Sources
- KeyBank terms page. checked 2026-08-25
- Ownership source. checked 2026-08-25
- data.json — the row behind this page, with the source URL and check date on every figure.
Related
- Every product we hold, and which publish enough to compute
- Put your own home value and sale year in
- The three numbers that decide what home equity costs
- How these figures are produced
Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.