Keystone Funding Mortgage Rates, Fees & Info

Dover, DE

LEI: 5493002GI63WHHUTUD85

Tax ID: 20-5475905

2.8 stars - Updated: 4/5/25 - out of 5 stars, based on 52 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Keystone Funding is a small mortgage company specializing in Home Purchase loans. Keystone Funding has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Denver, Boston, Dover, and New York among others. We have data for 153 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 an average 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 about average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.08% 4/5/25
    30 Year Conventional Refi 6.83% 4/5/25
    30 Year Cash-out Refi 7.09% 4/5/25
    30 Year FHA Purchase 7.16% 4/5/25
    30 Year FHA Refi 7.04% 4/5/25
    30 Year VA Purchase 6.42% 4/5/25
    30 Year VA Refi 6.06% 4/5/25
    30 Year USDA Purchase 6.87% 4/5/25
    15 Year Conventional Purchase 6.30% 4/5/25
    15 Year Conventional Refi 6.19% 4/5/25
    15 Year Cash-out Refi 6.19% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Keystone Funding Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Keystone Funding. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,715

    Origination Dollar Volume (All Markets)

    $1,048,155,000
    Show all (8) awards

    Relative Rate

    Keystone Funding's average 30 year fixed mortgage rate was 6.53%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.02%.

    Relative Fees (Closing Costs)

    Keystone Funding's average total fees/closing costs for a 30 year fixed rate mortgage were $10,612.

    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 $8,356.

    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) 662 $246,890,000 $372,946 $11,441 6.56%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 200 $102,760,000 $513,800 $8,393 6.36%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 155 $77,295,000 $498,677 $8,046 6.61%
    DOVER, DE (FHA|USDA|VA) 187 $62,385,000 $333,610 $11,669 6.33%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 111 $54,505,000 $491,036 $15,357 6.58%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 92 $32,520,000 $353,478 $12,200 6.64%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 81 $31,245,000 $385,741 $10,105 6.56%
    Outside of Metro Areas 85 $30,915,000 $363,706 $10,468 6.57%
    SALISBURY, MD-DE (FHA|USDA|VA) 98 $29,510,000 $301,122 $10,965 6.49%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 62 $24,760,000 $399,355 $6,531 6.75%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 60 $18,460,000 $307,667 $7,989 6.57%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $17,235,000 $441,923 $11,933 6.63%
    BOULDER, CO (FHA|USDA|VA) 29 $14,325,000 $493,966 $5,276 6.62%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 32 $13,120,000 $410,000 $14,508 6.44%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 31 $12,655,000 $408,226 $10,464 6.54%
    ROCKY MOUNT, NC (FHA|USDA|VA) 48 $10,930,000 $227,708 $8,945 6.43%
    Concord, NH (FHA|USDA|VA) 24 $10,520,000 $438,333 $6,490 6.74%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $9,810,000 $377,308 $12,906 6.58%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 21 $9,785,000 $465,952 $9,449 6.68%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 20 $9,470,000 $473,500 $11,183 6.02%
    JACKSONVILLE, FL (FHA|USDA|VA) 28 $9,090,000 $324,643 $11,877 6.31%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 20 $9,080,000 $454,000 $12,171 6.65%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $9,060,000 $566,250 $12,790 6.52%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 17 $8,355,000 $491,471 $9,472 6.51%
    WORCESTER, MA-CT (FHA|USDA|VA) 22 $8,260,000 $375,455 $8,614 6.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 21 $8,065,000 $384,048 $11,195 6.56%
    GREELEY, CO (FHA|USDA|VA) 19 $7,925,000 $417,105 $8,460 6.51%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $7,350,000 $408,333 $12,684 6.49%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 25 $7,265,000 $290,600 $14,139 6.16%
    FORT COLLINS, CO (FHA|USDA|VA) 15 $7,085,000 $472,333 $7,408 6.59%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 15 $6,335,000 $422,333 $8,616 6.61%
    SPRINGFIELD, MA (FHA|USDA|VA) 24 $6,330,000 $263,750 $9,197 6.70%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 18 $6,090,000 $338,333 $8,456 6.82%
    READING, PA (FHA|USDA|VA) 18 $5,950,000 $330,556 $10,243 6.65%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $5,505,000 $423,462 $6,895 6.85%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $5,290,000 $377,857 $14,355 6.44%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 18 $4,830,000 $268,333 $8,138 6.64%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 11 $4,345,000 $395,000 $12,510 6.37%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 13 $4,265,000 $328,077 $8,678 6.52%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 12 $4,060,000 $338,333 $12,538 6.44%
    SALEM, OR (FHA|USDA|VA) 9 $3,875,000 $430,556 $6,977 6.61%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $3,090,000 $309,000 $13,577 6.24%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,815,000 $402,143 $17,912 6.66%
    OCALA, FL (FHA|USDA|VA) 10 $2,440,000 $244,000 $10,178 6.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,400,000 $300,000 $11,932 6.33%
    LANCASTER, PA (FHA|USDA|VA) 8 $2,250,000 $281,250 $9,066 6.72%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $2,205,000 $441,000 $13,420 6.52%
    Durango, CO (FHA|USDA|VA) 4 $2,190,000 $547,500 $5,229 6.22%
    Lebanon, NH-VT (FHA|USDA|VA) 7 $2,155,000 $307,857 $5,407 6.52%
    CORVALLIS, OR (FHA|USDA|VA) 4 $1,990,000 $497,500 $11,865 6.94%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,920,000 $480,000 $21,207 6.03%
    Laconia, NH (FHA|USDA|VA) 4 $1,880,000 $470,000 $7,781 6.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,790,000 $447,500 $15,319 6.72%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,760,000 $293,333 $10,868 6.17%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,735,000 $347,000 $7,400 6.77%
    LaGrange, GA-AL (FHA|USDA|VA) 9 $1,715,000 $190,556 $5,693 6.57%
    ROANOKE, VA (FHA|USDA|VA) 6 $1,680,000 $280,000 $13,346 6.60%
    PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,540,000 $256,667 $9,276 6.38%
    YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,505,000 $301,000 $7,778 6.70%
    WARNER ROBINS, GA (FHA|USDA|VA) 5 $1,445,000 $289,000 $10,666 6.23%
    LYNCHBURG, VA (FHA|USDA|VA) 4 $1,440,000 $360,000 $11,141 6.28%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $1,435,000 $478,333 $14,595 6.67%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,420,000 $710,000 $23,299 6.31%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,360,000 $340,000 $11,912 6.78%
    Keene, NH (FHA|USDA|VA) 4 $1,310,000 $327,500 $5,519 6.71%
    WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,225,000 $245,000 $9,689 7.00%
    Waycross, GA (FHA|USDA|VA) 5 $1,215,000 $243,000 $11,481 6.25%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $15,765 6.63%
    JACKSONVILLE, NC (FHA|USDA|VA) 3 $1,175,000 $391,667 $7,257 6.16%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,135,000 $227,000 $7,407 6.77%
    Red Bluff, CA (FHA|USDA|VA) 3 $1,125,000 $375,000 $13,556 6.08%
    Wilson, NC (FHA|USDA|VA) 6 $1,110,000 $185,000 $9,358 6.73%
    SPARTANBURG, SC (FHA|USDA|VA) 4 $1,100,000 $275,000 $9,978 6.38%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,065,000 $355,000 $12,047 6.74%
    MONTGOMERY, AL (FHA|USDA|VA) 3 $1,015,000 $338,333 $8,294 6.58%
    STOCKTON, CA (FHA|USDA|VA) 2 $920,000 $460,000 $13,330 5.75%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $890,000 $445,000 $19,035 6.69%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $865,000 $288,333 $7,705 6.04%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $865,000 $288,333 $12,074 6.33%
    Cornelia, GA (FHA|USDA|VA) 3 $825,000 $275,000 $14,359 6.33%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $820,000 $410,000 $10,306 6.81%
    RICHMOND, VA (FHA|USDA|VA) 4 $770,000 $192,500 $4,643 6.81%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $765,000 $765,000 $24,426 7.38%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $760,000 $380,000 $3,660 6.50%
    VALLEJO, CA (FHA|USDA|VA) 1 $745,000 $745,000 $11,345 7.13%
    MODESTO, CA (FHA|USDA|VA) 2 $740,000 $370,000 $14,602 5.94%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $725,000 $725,000 $15,005 5.38%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $710,000 $355,000 $8,708 6.25%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $695,000 $695,000 $10,511 6.38%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $640,000 $320,000 $5,889 6.06%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $625,000 $208,333 $11,738 7.46%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $615,000 $205,000 $4,614 6.46%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $590,000 $295,000 $10,145 6.37%
    SAVANNAH, GA (FHA|USDA|VA) 2 $550,000 $275,000 $7,606 6.19%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $545,000 $181,667 $7,211 6.38%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $525,000 $525,000 $13,396 6.38%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $520,000 $260,000 $7,632 6.44%
    Jefferson, GA (FHA|USDA|VA) 1 $515,000 $515,000 $19,065 7.38%
    TUCSON, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $8,873 6.88%
    Cambridge, MD (FHA|USDA|VA) 2 $500,000 $250,000 $7,071 6.50%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $500,000 $250,000 $11,151 6.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $8,616 6.75%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $495,000 $495,000 $8,018 6.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $495,000 $495,000 $13,969 7.38%
    Rockingham, NC (FHA|USDA|VA) 1 $495,000 $495,000 $26,530 6.25%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $495,000 $495,000 $4,738 6.99%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $470,000 $235,000 $7,072 6.44%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $445,000 $445,000 $8,936 6.99%
    REDDING, CA (FHA|USDA|VA) 1 $445,000 $445,000 $13,126 6.38%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $425,000 $425,000 $2,690 6.38%
    Fort Morgan, CO (FHA|USDA|VA) 1 $395,000 $395,000 $11,706 6.25%
    LONGVIEW, WA (FHA|USDA|VA) 1 $385,000 $385,000 $10,896 6.88%
    ALTOONA, PA (FHA|USDA|VA) 1 $365,000 $365,000 $19,646 5.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $365,000 $365,000 $8,411 6.99%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $365,000 $365,000 $8,529 6.75%
    Alexander City, AL (FHA|USDA|VA) 1 $355,000 $355,000 $12,502 6.99%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $345,000 $345,000 $11,614 6.63%
    Easton, MD (FHA|USDA|VA) 1 $345,000 $345,000 $18,972 5.50%
    St. Marys, GA (FHA|USDA|VA) 1 $345,000 $345,000 $11,931 5.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $340,000 $170,000 $23,206 6.88%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $335,000 $335,000 $8,465 6.88%
    HINESVILLE, GA (FHA|USDA|VA) 1 $335,000 $335,000 $7,855 6.13%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $325,000 $325,000 $9,144 6.50%
    ERIE, PA (FHA|USDA|VA) 3 $325,000 $108,333 $5,744 7.21%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $325,000 $325,000 $6,848 7.88%
    Mineral Wells, TX (FHA|USDA|VA) 1 $325,000 $325,000 $8,136 6.50%
    FLORENCE, SC (FHA|USDA|VA) 1 $315,000 $315,000 $5,493 5.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,307 6.63%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $305,000 $305,000 $18,755 6.00%
    Cedartown, GA (FHA|USDA|VA) 1 $295,000 $295,000 $17,446 6.13%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $285,000 $285,000 $6,627 6.63%
    Pottsville, PA (FHA|USDA|VA) 2 $280,000 $140,000 $9,544 6.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $280,000 $140,000 $9,278 7.31%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $5,638 6.00%
    COLUMBIA, SC (FHA|USDA|VA) 1 $275,000 $275,000 $12,599 6.13%
    Mount Airy, NC (FHA|USDA|VA) 1 $265,000 $265,000 $13,828 7.13%
    BANGOR, ME (FHA|USDA|VA) 1 $265,000 $265,000 $7,574 7.13%
    LAREDO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $15,294 6.63%
    GREENVILLE, NC (FHA|USDA|VA) 1 $265,000 $265,000 $11,566 5.75%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $4,372 6.50%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $235,000 $235,000 $12,122 6.63%
    Breckenridge, CO (FHA|USDA|VA) 1 $235,000 $235,000 $1,498 7.63%
    Sanford, NC (FHA|USDA|VA) 1 $235,000 $235,000 $10,877 5.75%
    Ellensburg, WA (FHA|USDA|VA) 1 $225,000 $225,000 $9,557 6.13%
    Martinsville, VA (FHA|USDA|VA) 1 $215,000 $215,000 $8,529 6.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $8,708 6.88%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $195,000 $195,000 $7,592 6.00%
    Albemarle, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,738 6.99%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,415 6.75%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $8,752 6.50%
    Berlin, NH (FHA|USDA|VA) 1 $115,000 $115,000 $4,080 6.63%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $95,000 $95,000 $5,183 6.13%
    Newberry, SC (FHA|USDA|VA) 1 $85,000 $85,000 $6,451 6.88%
    Keystone Funding's top markets include Philadelphia, Denver, Boston, Dover, and New York among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Keystone Funding based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    GREATER SPRINGFIELD CREDIT UNION
    Similarity Rank: 35
    Florence Bank
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    Calvin B. Taylor Banking Company of Berlin, Maryland
    Similarity Rank: 50
    UniBank for Savings
    Similarity Rank: 60
    ROCKLAND
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    LUSO
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,701 $682,715,000 $401,361 $8,696 6.72%
    FHA 730 $252,590,000 $346,014 $14,685 6.24%
    VA 248 $103,950,000 $419,153 $11,514 6.13%
    USDA 36 $8,900,000 $247,222 $9,250 6.15%

    For 2024, Keystone Funding's most frequently originated type of loan was Conventional, with 1,701 originations. Their 2nd most popular type was FHA, with 730 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,446 $939,900,000 $384,260 $10,675 6.55%
    Refi 138 $61,170,000 $443,261 $8,754 6.28%
    Cash Out Refi 130 $46,830,000 $360,231 $10,642 6.50%
    Other 1 $255,000 $255,000 $3,990 6.88%

    For 2024, Keystone Funding's most frequently cited loan purpose was Home Purchase, with 2,446 originations. The 2nd most popular reason was Refi, with 138 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,661 $1,031,165,000 $387,510 $10,612 6.53%
    15 Year 29 $10,935,000 $377,069 $7,953 6.04%
    Other 11 $3,125,000 $284,091 $12,444 6.41%
    20 Year 10 $2,390,000 $239,000 $8,971 6.55%
    10 Year 4 $540,000 $135,000 $2,555 7.28%

    For 2024, Keystone Funding's most frequently cited loan duration was 30 Year, with 2,661 originations. The 2nd most popular length was 15 Year, with 29 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,185 $491,035,000 $414,376
    $1k-2k 640 $255,730,000 $399,578
    $3k-4k 261 $83,845,000 $321,245
    $2k-3k 249 $88,225,000 $354,317
    $4k-5k 229 $74,815,000 $326,703
    $<1k 136 $48,350,000 $355,515

    Keystone Funding's average total fees were $10,612, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,185 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,723 $669,525,000 $388,581
    5-6% 522 $205,120,000 $392,950
    7-8% 459 $169,185,000 $368,595
    4-5% 7 $2,655,000 $379,286
    Over 8% 3 $1,315,000 $438,333
    <2.5% 1 $355,000 $355,000

    During 2024, Keystone Funding's average interest rate for loans was 6.53%, while their most frequently originated rate bucket for loans was 6-7%, with 1,723 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,333 $401,255,000 $301,017 $10,121 6.51%
    $400k-600k 847 $409,965,000 $484,020 $11,631 6.53%
    $600k-1MM 292 $199,640,000 $683,699 $12,647 6.51%
    $100k-200k 224 $35,960,000 $160,536 $7,153 6.65%
    $100,000 or less 19 $1,335,000 $70,263 $3,811 6.91%

    2024 saw Keystone Funding place emphasis on $200k-400k loans with 1,333 originations, totaling $401,255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 831 $320,825,000 $386,071 $10,737 6.53%
    $150k-250k 694 $328,490,000 $473,329 $11,000 6.65%
    $75k-100k 477 $147,185,000 $308,564 $10,539 6.43%
    $50k-75k 364 $91,590,000 $251,621 $10,008 6.33%
    $250k+ 253 $138,705,000 $548,241 $10,563 6.75%
    $50k or less 96 $21,360,000 $222,500 $8,410 6.30%

    Keystone Funding lent most frequently to those with incomes in the $100k-150k range, with 831 originations. The second most popular income band? $150k-250k, with 694 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 396 $151,790,000 $383,308 $9,827 6.59%
    50-60% 323 $119,015,000 $368,467 $14,549 6.20%
    20-30% 315 $118,875,000 $377,381 $9,136 6.62%
    49% 172 $67,790,000 $394,128 $10,285 6.57%
    47% 132 $53,320,000 $403,939 $11,309 6.52%
    41% 126 $50,450,000 $400,397 $9,721 6.62%
    39% 118 $45,910,000 $389,068 $10,508 6.53%
    43% 115 $46,505,000 $404,391 $10,544 6.52%
    44% 113 $42,075,000 $372,345 $10,409 6.51%
    42% 113 $43,865,000 $388,186 $10,250 6.53%
    45% 111 $43,845,000 $395,000 $10,670 6.64%
    46% 106 $40,770,000 $384,623 $11,643 6.52%
    48% 100 $38,210,000 $382,100 $10,038 6.56%
    36% 97 $36,725,000 $378,608 $10,440 6.60%
    38% 92 $38,190,000 $415,109 $9,812 6.62%
    37% 90 $36,260,000 $402,889 $9,245 6.67%
    <20% 88 $31,120,000 $353,636 $8,068 6.62%
    40% 82 $30,390,000 $370,610 $9,550 6.57%
    >60% 10 $5,530,000 $553,000 $14,923 6.44%

    Keystone Funding lent most frequently to those with DTI ratios of 30-36%, with 396 originations. The next most common DTI ratio? 50-60%, with 323 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,828 $713,620,000 $390,383 $10,166 6.53%
    Not provided 460 $173,140,000 $376,391 $11,105 6.53%
    Black 263 $94,775,000 $360,361 $12,954 6.46%
    Asian 129 $53,435,000 $414,225 $9,649 6.61%
    American Indian 16 $5,890,000 $368,125 $10,195 6.51%
    Asian Indian 9 $4,255,000 $472,778 $12,323 6.90%
    Native Hawaiian or Islander 4 $1,450,000 $362,500 $9,209 7.00%
    Other Pacific Islander 2 $410,000 $205,000 $9,120 6.19%
    Other Asian 1 $365,000 $365,000 $12,665 6.25%
    Filipino 1 $315,000 $315,000 $9,828 6.75%
    Korean 1 $265,000 $265,000 $10,834 5.50%
    Vietnamese 1 $235,000 $235,000 $11,736 7.63%

    Approval Rates

    Total approvals of all applications
    94.74%

    Keystone Funding has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.60%

    Keystone Funding has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    3335.0 1 $325,000 $325,000
    NA 2,714 $1,047,830,000 $386,083

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,715 $1,048,155,000 $386,061

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $17,980,000 $256,857 $6,554 6.60%
    40-60% 189 $63,355,000 $335,212 $7,298 6.57%
    60-80% 622 $253,210,000 $407,090 $9,436 6.67%
    80-100% 1,756 $683,540,000 $389,260 $11,218 6.49%
    Over 100% 68 $29,180,000 $429,118 $18,354 6.11%
    Under 20% 10 $890,000 $89,000 $5,854 6.83%