Keystone Funding Mortgage Rates, Fees & Info

Dover, DE

LEI: 5493002GI63WHHUTUD85

Tax ID: 20-5475905

1.6 stars - Updated: 6/9/24 - out of 5 stars, based on 43 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Keystone Funding is a smaller mortgage company specializing in Home Purchase loans. Keystone Funding has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, New York, Tampa, Washington, and Baltimore among others. We have data for 135 markets. (Some data included below & more in-depth data is available with an active subscription.)

Keystone Funding has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Keystone Funding is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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Originations

1,854

Origination Dollar Volume (All Markets)

$683,170,000

Awards

Keystone Funding FHA Loans bronze Keystone Funding FHA Loans silver Keystone Funding VA Loans bronze
Show all (3) awards

Relative Rate

Keystone Funding's average 30 year fixed mortgage rate was 6.59%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.11%.

Relative Fees (Closing Costs)

Keystone Funding's average total fees/closing costs for a 30 year fixed rate mortgage were $12,170.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 597 $211,315,000 $353,961 $11,487 6.65%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 153 $70,015,000 $457,614 $15,564 6.41%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 106 $37,360,000 $352,453 $12,684 6.62%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 65 $33,755,000 $519,308 $14,873 6.58%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 66 $27,060,000 $410,000 $12,018 6.53%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 55 $25,915,000 $471,182 $9,951 6.91%
DOVER, DE (FHA|USDA|VA) 72 $21,590,000 $299,861 $11,926 6.70%
JACKSONVILLE, FL (FHA|USDA|VA) 35 $12,825,000 $366,429 $15,383 6.17%
SALISBURY, MD-DE (FHA|USDA|VA) 37 $12,195,000 $329,595 $12,291 6.36%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 22 $8,650,000 $393,182 $8,379 6.84%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 22 $8,190,000 $372,273 $10,725 6.24%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $7,425,000 $436,765 $14,716 6.68%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 20 $7,300,000 $365,000 $9,815 6.41%
WORCESTER, MA-CT (FHA|USDA|VA) 20 $7,090,000 $354,500 $11,165 6.61%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $6,865,000 $457,667 $12,272 6.26%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $6,790,000 $377,222 $15,266 6.53%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 16 $6,500,000 $406,250 $14,729 6.69%
Outside of Metro Areas 22 $6,390,000 $290,455 $10,999 6.44%
SPRINGFIELD, MA (FHA|USDA|VA) 21 $6,105,000 $290,714 $13,155 6.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $5,980,000 $299,000 $10,829 6.62%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 16 $5,980,000 $373,750 $11,030 6.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 15 $5,435,000 $362,333 $14,813 6.62%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $5,420,000 $338,750 $11,658 6.83%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 16 $4,670,000 $291,875 $8,293 6.94%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 10 $4,460,000 $446,000 $9,085 7.16%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 11 $4,175,000 $379,545 $12,593 6.53%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 14 $4,150,000 $296,429 $10,882 6.44%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $3,790,000 $631,667 $11,156 6.54%
READING, PA (FHA|USDA|VA) 13 $3,725,000 $286,538 $11,519 6.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $3,710,000 $309,167 $8,819 5.94%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $3,685,000 $737,000 $30,025 6.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 10 $3,590,000 $359,000 $14,432 6.77%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $3,220,000 $402,500 $15,007 6.45%
LANCASTER, PA (FHA|USDA|VA) 9 $3,165,000 $351,667 $10,650 6.43%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $3,155,000 $350,556 $14,593 6.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $3,110,000 $311,000 $11,322 6.43%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $3,025,000 $336,111 $8,937 6.61%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,640,000 $330,000 $14,112 5.81%
Concord, NH (FHA|USDA|VA) 7 $2,625,000 $375,000 $9,102 7.25%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,545,000 $509,000 $13,778 6.02%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $2,465,000 $273,889 $9,874 6.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $2,325,000 $465,000 $14,932 6.37%
Torrington, CT (FHA|USDA|VA) 7 $2,285,000 $326,429 $10,277 6.59%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,230,000 $371,667 $9,635 6.67%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $2,195,000 $313,571 $13,315 7.32%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,150,000 $215,000 $8,129 6.56%
STOCKTON, CA (FHA|USDA|VA) 4 $2,080,000 $520,000 $12,118 6.44%
OCALA, FL (FHA|USDA|VA) 8 $2,030,000 $253,750 $10,239 6.95%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,990,000 $331,667 $17,010 6.56%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $1,890,000 $315,000 $10,835 6.94%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,865,000 $266,429 $7,789 6.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,860,000 $465,000 $14,424 6.38%
RICHMOND, VA (FHA|USDA|VA) 6 $1,720,000 $286,667 $11,119 6.39%
GAINESVILLE, GA (FHA|USDA|VA) 3 $1,695,000 $565,000 $20,392 6.83%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $1,660,000 $276,667 $11,718 6.68%
Breckenridge, CO (FHA|USDA|VA) 2 $1,540,000 $770,000 $16,185 7.31%
LaGrange, GA-AL (FHA|USDA|VA) 9 $1,535,000 $170,556 $7,485 6.42%
GREELEY, CO (FHA|USDA|VA) 3 $1,385,000 $461,667 $9,240 6.42%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,350,000 $337,500 $6,399 7.28%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $1,335,000 $190,714 $7,290 6.51%
ALBANY-LEBANON, OR (FHA|USDA|VA) 4 $1,290,000 $322,500 $12,596 6.69%
MODESTO, CA (FHA|USDA|VA) 3 $1,195,000 $398,333 $12,805 6.75%
SALINAS, CA (FHA|USDA|VA) 2 $1,180,000 $590,000 $19,277 6.19%
THE VILLAGES, FL (FHA|USDA|VA) 2 $1,180,000 $590,000 $12,211 6.06%
Lebanon, NH-VT (FHA|USDA|VA) 3 $1,085,000 $361,667 $11,073 6.67%
Laconia, NH (FHA|USDA|VA) 3 $1,055,000 $351,667 $9,803 7.08%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $13,527 6.54%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $990,000 $247,500 $11,832 6.28%
ROANOKE, VA (FHA|USDA|VA) 5 $945,000 $189,000 $6,713 7.17%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $875,000 $875,000 $5,700 7.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $860,000 $215,000 $7,850 6.22%
Sanford, NC (FHA|USDA|VA) 3 $845,000 $281,667 $6,113 6.17%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $840,000 $420,000 $9,942 6.25%
GAINESVILLE, FL (FHA|USDA|VA) 2 $820,000 $410,000 $8,323 6.69%
Morehead City, NC (FHA|USDA|VA) 2 $760,000 $380,000 $13,646 7.63%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $750,000 $375,000 $14,438 6.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $690,000 $345,000 $9,199 6.56%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $685,000 $228,333 $8,258 7.29%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $675,000 $225,000 $8,740 6.67%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $655,000 $655,000 $4,856 6.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $650,000 $325,000 $13,187 5.56%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $630,000 $315,000 $4,678 5.63%
Elizabeth City, NC (FHA|USDA|VA) 2 $620,000 $310,000 $11,521 5.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $615,000 $615,000 $33,288 6.13%
BOULDER, CO (FHA|USDA|VA) 1 $605,000 $605,000 $15,643 5.75%
Cambridge, MD (FHA|USDA|VA) 2 $600,000 $300,000 $12,377 5.69%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $590,000 $295,000 $15,217 6.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $590,000 $295,000 $9,500 6.31%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $580,000 $290,000 $8,662 6.94%
EL PASO, TX (FHA|USDA|VA) 2 $580,000 $290,000 $5,446 7.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $580,000 $290,000 $5,560 6.31%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $560,000 $280,000 $12,099 6.62%
Vineyard Haven, MA (FHA|USDA|VA) 1 $555,000 $555,000 $5,428 6.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $545,000 $545,000 $19,091 7.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $535,000 $535,000 $5,554 6.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $515,000 $171,667 $8,902 6.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $495,000 $495,000 $13,467 5.99%
Keene, NH (FHA|USDA|VA) 2 $490,000 $245,000 $10,374 6.94%
Lock Haven, PA (FHA|USDA|VA) 1 $485,000 $485,000 $23,324 5.75%
LAREDO, TX (FHA|USDA|VA) 2 $470,000 $235,000 $15,083 6.13%
Key West, FL (FHA|USDA|VA) 1 $455,000 $455,000 $11,667 6.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $445,000 $445,000 $23,712 5.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $435,000 $435,000 $23,050 6.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $415,000 $415,000 $10,313 6.49%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $415,000 $415,000 $7,557 6.63%
Pottsville, PA (FHA|USDA|VA) 3 $395,000 $131,667 $5,479 6.29%
Selinsgrove, PA (FHA|USDA|VA) 1 $385,000 $385,000 $12,853 6.13%
Enterprise, AL (FHA|USDA|VA) 1 $365,000 $365,000 $15,135 6.50%
Clewiston, FL (FHA|USDA|VA) 1 $355,000 $355,000 $11,810 6.25%
SALEM, OR (FHA|USDA|VA) 1 $355,000 $355,000 $16,703 6.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $340,000 $170,000 $9,780 6.12%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $335,000 $335,000 $7,805 6.99%
Sunbury, PA (FHA|USDA|VA) 2 $320,000 $160,000 $8,258 6.69%
LONGVIEW, TX (FHA|USDA|VA) 1 $305,000 $305,000 $15,671 6.88%
Easton, MD (FHA|USDA|VA) 1 $295,000 $295,000 $10,057 7.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $295,000 $295,000 $15,893 6.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $295,000 $295,000 $15,176 6.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $295,000 $295,000 $17,219 6.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $285,000 $285,000 $10,934 6.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $275,000 $275,000 $7,565 6.63%
Clearlake, CA (FHA|USDA|VA) 1 $265,000 $265,000 $6,122 6.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $265,000 $265,000 $8,155 6.99%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $11,512 6.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,979 6.50%
Alexander City, AL (FHA|USDA|VA) 1 $245,000 $245,000 $11,245 6.99%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $235,000 $235,000 $3,786 7.38%
Waycross, GA (FHA|USDA|VA) 1 $225,000 $225,000 $12,477 6.13%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $225,000 $225,000 $12,355 6.25%
MOBILE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $6,573 7.00%
Fort Morgan, CO (FHA|USDA|VA) 1 $195,000 $195,000 $8,013 6.13%
Laurinburg, NC (FHA|USDA|VA) 1 $185,000 $185,000 $11,690 7.25%
Berlin, NH (FHA|USDA|VA) 1 $165,000 $165,000 $7,642 6.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $165,000 $165,000 $8,769 6.63%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $165,000 $165,000 $6,901 5.75%
Bonham, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,914 6.49%
Keystone Funding's top markets include Philadelphia, New York, Tampa, Washington, and Baltimore among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,001 $375,135,000 $374,760 $10,068 6.77%
    FHA 632 $226,780,000 $358,829 $15,626 6.40%
    VA 182 $71,590,000 $393,352 $11,577 6.19%
    USDA 39 $9,665,000 $247,821 $8,829 6.43%

    For 2023, Keystone Funding's most frequently originated type of loan was Conventional, with 1,001 originations. Their 2nd most popular type was FHA, with 632 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,749 $649,115,000 $371,135 $12,171 6.59%
    Cash Out Refi 76 $24,040,000 $316,316 $10,933 6.52%
    Refi 28 $9,930,000 $354,643 $10,081 6.37%
    Other 1 $85,000 $85,000 $4,749 7.63%

    For 2023, Keystone Funding's most frequently cited loan purpose was Home Purchase, with 1,749 originations. The 2nd most popular reason was Cash Out Refi, with 76 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,809 $669,985,000 $370,362 $12,170 6.59%
    15 Year 34 $10,180,000 $299,412 $8,206 5.92%
    Other 6 $1,620,000 $270,000 $13,329 6.69%
    20 Year 5 $1,385,000 $277,000 $6,137 6.50%

    For 2023, Keystone Funding's most frequently cited loan duration was 30 Year, with 1,809 originations. The 2nd most popular length was 15 Year, with 34 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 979 $402,135,000 $410,761
    $1k-2k 307 $106,535,000 $347,020
    $4k-5k 164 $49,260,000 $300,366
    $3k-4k 163 $45,495,000 $279,110
    $2k-3k 153 $50,725,000 $331,536
    $<1k 88 $29,020,000 $329,773

    Keystone Funding's average total fees were $12,170, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 979 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 977 $357,275,000 $365,686
    7-8% 438 $164,920,000 $376,530
    5-6% 416 $153,660,000 $369,375
    Over 8% 17 $5,265,000 $309,706
    4-5% 6 $2,050,000 $341,667

    During 2023, Keystone Funding's average interest rate for loans was 6.59%, while their most frequently originated rate bucket for loans was 6-7%, with 977 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 956 $288,780,000 $302,071 $10,979 6.59%
    $400k-600k 535 $258,375,000 $482,944 $14,277 6.58%
    $100k-200k 199 $31,645,000 $159,020 $6,904 6.54%
    $600k-1MM 147 $99,945,000 $679,898 $18,540 6.57%
    $100,000 or less 14 $1,180,000 $84,286 $5,658 6.65%
    $1MM+ 3 $3,245,000 $1,081,667 $31,128 7.29%

    2023 saw Keystone Funding place emphasis on $200k-400k loans with 956 originations, totaling $288,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 581 $221,665,000 $381,523 $12,797 6.62%
    $150k-250k 448 $204,670,000 $456,853 $13,238 6.68%
    $75k-100k 355 $108,775,000 $306,408 $11,059 6.52%
    $50k-75k 255 $60,715,000 $238,098 $9,851 6.41%
    $250k+ 147 $77,205,000 $525,204 $14,303 6.69%
    $50k or less 68 $10,140,000 $149,118 $7,350 6.28%

    Keystone Funding lent most frequently to those with incomes in the $100k-150k range, with 581 originations. The second most popular income band? $150k-250k, with 448 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 269 $97,585,000 $362,770 $10,767 6.60%
    50-60% 268 $104,830,000 $391,157 $15,959 6.35%
    20-30% 222 $79,550,000 $358,333 $10,258 6.60%
    49% 124 $47,100,000 $379,839 $11,469 6.67%
    48% 97 $37,045,000 $381,907 $12,909 6.58%
    47% 89 $33,375,000 $375,000 $12,846 6.65%
    44% 80 $33,830,000 $422,875 $12,992 6.81%
    41% 80 $28,330,000 $354,125 $11,117 6.55%
    42% 79 $27,565,000 $348,924 $12,560 6.78%
    40% 68 $21,980,000 $323,235 $11,762 6.62%
    45% 66 $23,330,000 $353,485 $11,119 6.65%
    43% 66 $24,120,000 $365,455 $11,299 6.63%
    46% 63 $21,925,000 $348,016 $11,526 6.60%
    36% 60 $22,000,000 $366,667 $11,289 6.51%
    38% 60 $20,810,000 $346,833 $11,293 6.64%
    37% 60 $21,460,000 $357,667 $11,226 6.51%
    39% 54 $20,860,000 $386,296 $12,311 6.67%
    <20% 43 $14,955,000 $347,791 $9,788 6.43%
    >60% 6 $2,520,000 $420,000 $16,132 6.48%

    Keystone Funding lent most frequently to those with DTI ratios of 30-36%, with 269 originations. The next most common DTI ratio? 50-60%, with 268 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,142 $417,700,000 $365,762 $11,719 6.62%
    Not provided 382 $144,810,000 $379,084 $12,851 6.46%
    Black 197 $70,065,000 $355,660 $13,331 6.57%
    Asian 108 $40,450,000 $374,537 $10,868 6.65%
    American Indian 10 $3,610,000 $361,000 $12,544 6.45%
    Asian Indian 6 $2,570,000 $428,333 $12,855 6.62%
    Other Asian 4 $1,500,000 $375,000 $10,018 6.72%
    Filipino 1 $715,000 $715,000 $23,907 6.88%
    Japanese 1 $645,000 $645,000 $17,546 5.75%
    Other Pacific Islander 1 $415,000 $415,000 $4,588 6.99%
    Native Hawaiian or Islander 1 $355,000 $355,000 $9,426 6.63%
    Vietnamese 1 $335,000 $335,000 $15,319 6.63%

    Approval Rates

    Total approvals of all applications
    94.84%

    Keystone Funding has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.09%

    Keystone Funding has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,854 $683,170,000 $368,484

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,854 $683,170,000 $368,484

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 36 $7,920,000 $220,000 $7,201 6.44%
    40-60% 101 $28,065,000 $277,871 $7,585 6.41%
    60-80% 367 $136,995,000 $373,283 $10,587 6.78%
    80-100% 1,304 $490,840,000 $376,411 $12,778 6.55%
    Over 100% 42 $18,980,000 $451,905 $19,318 6.32%
    Under 20% 4 $370,000 $92,500 $5,119 6.78%