Keystone Funding Mortgage Rates, Fees & Info
Dover, DELEI: 5493002GI63WHHUTUD85
Tax ID: 20-5475905
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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.
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Originations
1,854Origination Dollar Volume (All Markets)
$683,170,000Awards
Keystone Funding - 2023
Keystone Funding is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
2023 saw Keystone Funding place emphasis on $200k-400k loans with 956 originations, totaling $288,780,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.84%
Keystone Funding has an average approval rate.
Pick Rate
Approvals leading to origination69.09%
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 |