Keystone Funding, Inc.: 2025 mortgage rates, costs & approvals
How Keystone Funding, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: KEYSTONE FUNDING, INC. · LEI 5493002GI63WHHUTUD85
In 2025, Keystone Funding, Inc. originated 3,514 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 27 states — 180th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $7,640, 37% higher than the national median ($5,570).
It denied 3.8% of completed home-purchase applications (all lenders: 8.5%).
How Keystone Funding, Inc. priced home-purchase loans
| Purchase loans, 2025 | Keystone Funding, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $7,640 | $5,570 |
| Total loan costs · FHA | $12,780 | $11,310 |
| Total loan costs · VA | $9,190 | $6,490 |
| Origination charges (all types) | $3,270 | $1,860 |
| Borrowers paying discount points | 44.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.45% | 0.87% |
| Borrowers receiving lender credits | 50.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Keystone Funding, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Keystone Funding, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 984 | 1,127 | 2.1% | 6.625% | $8,930 |
| Delaware | 543 | 638 | 4.1% | 6.625% | $7,520 |
| Colorado | 481 | 598 | 2.0% | 6.500% | $7,080 |
| Massachusetts | 182 | 208 | 5.2% | 6.625% | $5,290 |
| New Hampshire | 182 | 206 | 2.5% | 6.625% | $4,340 |
| Maryland | 176 | 210 | 4.4% | 6.625% | $7,350 |
| New Jersey | 163 | 217 | 8.2% | 6.500% | $11,130 |
| North Carolina | 152 | 179 | 1.9% | 6.500% | $6,380 |
| Florida | 141 | 201 | 11.9% | 6.625% | $9,410 |
| Virginia | 91 | 105 | 2.2% | 6.625% | $7,970 |
| Georgia | 77 | 99 | 8.6% | — | — |
| Oregon | 54 | 62 | 0.0% | 6.500% | $6,210 |
| Texas | 37 | 47 | 0.0% | — | — |
| Alabama | 35 | 48 | 7.7% | — | — |
| Connecticut | 34 | 48 | 0.0% | — | — |
| Arizona | 28 | 39 | 0.0% | — | — |
| Maine | 26 | 29 | 0.0% | — | — |
| Tennessee | 25 | 35 | 6.5% | — | — |
| Washington | 25 | 34 | 5.0% | — | — |
| South Carolina | 21 | 28 | 8.7% | — | — |
| North Dakota | 19 | 20 | — | — | — |
| California | 14 | 21 | — | — | — |
| Idaho | 7 | 8 | — | — | — |
| District of Columbia | 7 | 7 | — | — | — |
| Minnesota | 6 | 6 | — | — | — |
| Rhode Island | 3 | 5 | — | — | — |
| Montana | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Keystone Funding, Inc.'s page for that state.
Counties where Keystone Funding, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kent County, DE | 2 | 198 | 6.4% |
| Hettinger County, ND | 6 | 1 | 4.8% |
| Randolph County, AL | 5 | 9 | 3.7% |
| New Castle County, DE | 8 | 216 | 3.0% |
| Northampton County, PA | 8 | 104 | 2.8% |
| Chester County, PA | 9 | 181 | 2.7% |
| Sussex County, DE | 11 | 114 | 2.4% |
| Ware County, GA | 5 | 7 | 2.4% |
| Cecil County, MD | 9 | 31 | 2.2% |
| Nash County, NC | 12 | 30 | 2.2% |
| Chambers County, AL | 13 | 7 | 2.1% |
| Monroe County, PA | 10 | 40 | 1.8% |
| Edgecombe County, NC | 11 | 6 | 1.8% |
| Merrimack County, NH | 11 | 39 | 1.8% |
| Delaware County, PA | 11 | 106 | 1.7% |
Check Keystone Funding, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002GI63WHHUTUD85.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Keystone Funding, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology