Laurel Road
Laurel Road is a preferred provider of the Emergency Medicine Residents' Association and specializes in providing low-rate student loan refinancing to young physicians. Laurel Road also offers a full suite of banking and lending products, including checking and savings accounts, personal loans, and mortgages with easy online solutions, trusted technology, and premium care to help doctors find financial peace of mind.
In April 2019, Laurel Road became part of KeyBank, one of the nation's largest bank-based financial services companies and Member FDIC.
Resident and Fellow Benefits

Student Loan Refinancing
EMRA residents pay only $100 per month throughout training.+
Benefits Include:
- EMRA members receive an additional 0.25% rate discount when refinancing with Laurel Road+
- 100% online application allows physicians to get rates in minutes+
- Residents pay only $100/month all through training
- Join the thousands of residents who have saved with Laurel Road+

Mortgage Lending
EMRA Members get a 0.25% rate discount on mortgage lending with Laurel Road+
Home buying on the horizon? Laurel Road’s simplified online mortgage process helps you get closer to closing with special options for physicians. With a range of home financing options and competitive low rates, our mortgages are designed to fit the needs of physicians like you.
Benefits Includes:
- EMRA members get a 0.25% rate discount. You could also save up to $650 off closing costs+
- Explore no Private Mortgage Insurance (PMI) options+ with a Mortgage Loan Officer+
- No Processing/Application Fee, a value of $1,095+
- Digital application experience—and human support when you need it
Laurel Road is a brand of KeyBank National Association. All loans are provided by KeyBank. NMLS# 399797. Member FDIC.

Personal Lending
Planning your next big trip? Laurel Road’s low-APR personal loans can be used for larger purchases like travel, home improvements, weddings, credit card consolidation, and more. Residents can borrow up to $45,000+, depending on year of residency.
Personal Loan Benefits Include:
- EMRA Members receive an additional 0.50% rate discount on a personal loan with Laurel Road+
- Special repayment options during training
- Autopay discount – eligible for discount of 0.25% when monthly payments are made automatically from a bank account3
Alumni Benefits

Student Loan Refinancing
EMRA members must apply through www.laurelroad.com/EMRA to access these benefits.
EMRA members receive an additional 0.25% rate discount when refinancing with Laurel Road+
Benefits Include:
- Additional 0.25% rate discount for EMRA members+
- No application or origination fees
- Additional 0.25% autopay discount when automatic monthly payments are made from a bank account+

Mortgage Lending
EMRA Members get a 0.25% rate discount on mortgage lending with Laurel Road+
Home buying on the horizon? Laurel Road’s simplified online mortgage process helps you get closer to closing with special options for physicians. With a range of home financing options and competitive low rates, our mortgages are designed to fit the needs of physicians like you.
Benefits Includes:
- EMRA members get a 0.25% rate discount. You could also save up to $650 off closing costs+
- Explore no Private Mortgage Insurance (PMI) options+ with a Mortgage Loan Officer+
- No Processing/Application Fee, a value of $1,095+
- Digital application experience—and human support when you need it
Laurel Road is a brand of KeyBank National Association. All loans are provided by KeyBank. NMLS# 399797. Member FDIC.

Personal Lending
Planning your next big purchase? Laurel Road’s low-APR personal loans can be used for larger purchases like travel, home improvements, weddings, credit card consolidation and more. Borrow up to $80,000+ with a personal loan if you're in practice, or within 12 months of completing training and have a signed contract to practice.
Personal Loan Benefits Include:
- EMRA Members receive an additional 0.50% rate discount on a personal loan with Laurel Road+
- Special repayment options during training
- Autopay discount – eligible for discount of 0.25% when monthly payments are made automatically from a bank account+
Medical Student Benefits

Personal Lending
EMRA members must apply through www.laurelroad.com/EMRA to access these benefits.
Personal Loans for Residency Interviews
Student members in their 4th year of medical school can borrow up to $15,000+
- Student members receive an additional 0.50% rate discount on a residency interview load with Laurel Road+
- Special repayment options during training
- Autopay discount – eligible for discount of 0.25% when monthly automatic payments from a bank account is selected at the time of closing+
Disclosures
Laurel Road is a brand of KeyBank National Association. All products offered by KeyBank N.A. Member FDIC. NMLS #399797. Equal Housing Lender. ©2022
MORTGAGES, STUDENT LOANS, PSLF, AND PERSONAL LOANS ARE NOT FDIC INSURED OR GUARANTEED
KeyCorp® All Rights Reserved. Laurel Road is a federally registered service mark of KeyCorp. 3 Corporate Drive, 4th fl, Shelton, CT 06484.