# KEYSTONE FUNDING, INC.

> **Canonical URL:** https://saferate.com/lenders/keystone-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KEYSTONE FUNDING, INC. is a independent mortgage company, headquartered in DOVER, DE, serving borrowers across 24 states, with 2,632 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 12% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002GI63WHHUTUD85
- **Headquarters:** DOVER, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, MA, MD, ME, NC, NH, NJ, OR, PA, RI, SC, TX, VA, WA, WV
- **Markets (MSAs):** 45
- **Primary Channel:** wholesale
- **Direct Origination:** 13.4%
- **Brokered/Wholesale:** 86.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.323%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,437
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,632
- **Dollar Volume:** $1.0 billion
- **Applications Received:** 3,194
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,735
- **Average Borrower Income:** $147,696
- **Average Property Value:** $483,245

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (76%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,662 | +0.343% | $2,377 | Strong 😀 |
| FHA | 81/100 | 700 | +0.438% | $2,706 | Exceptional 🤩 |
| VA | 80/100 | 234 | -0.345% | $1,958 | Strong 😀 |
| USDA | 55/100 | 34 | +0.159% | $1,996 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,494 loans, Score: 79/100 (Strong)
- Refinance: 168 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 634 loans, Score: 81/100 (Exceptional)
- Refinance: 66 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 219 loans, Score: 80/100 (Strong)

**USDA:**
- Purchase: 34 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 2,383 | $923M | +0.337% | Exceptional 🤩 |
| Refinance | 64/100 | 249 | $100M | +0.205% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 578 | 0.48% | 80/100 |
| DE | 412 | 2.89% | 87/100 |
| CO | 290 | 0.35% | 72/100 |
| FL | 249 | 0.09% | 64/100 |
| MA | 177 | 0.29% | 68/100 |
| NJ | 173 | 0.20% | 69/100 |
| NH | 162 | 1.04% | 75/100 |
| MD | 123 | 0.17% | 63/100 |
| NC | 84 | 0.06% | 55/100 |
| VA | 53 | 0.05% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 288 | 86/100 |
| Non |  | 268 | 62/100 |
| Denver | CO | 194 | 71/100 |
| Dover, DE | DE | 179 | 100/100 |
| Wilmington, DE |  | 174 | 78/100 |
| Philadelphia, PA | PA | 152 | 76/100 |
| Baltimore | MD | 80 | 62/100 |
| Tampa, FL | FL | 68 | 60/100 |
| Manchester | NH | 62 | 71/100 |
| Allentown | PA-NJ | 60 | 67/100 |
| Rockingham County | NH | 56 | 66/100 |
| Cambridge | MA | 54 | 58/100 |
| Boston, MA | MA | 45 | 57/100 |
| Rocky Mount, NC | NC | 45 | 77/100 |
| Camden, NJ | NJ | 44 | 58/100 |

## Where This Lender Ranks

KEYSTONE FUNDING, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Dover, DE
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders)
- 🥈 **#2** in Dover, DE Mortgage Companies
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Dover, DE for FHA Loans
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Dover, DE for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Rockingham County Mortgage Companies
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Pennsylvania for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Delaware Mortgage Companies
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Montgomery County Mortgage Companies
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Montgomery County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Wilmington, DE Mortgage Companies
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in New Hampshire Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Manchester Mortgage Companies
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Manchester for FHA Loans
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Manchester for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Allentown Mortgage Companies
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Rocky Mount, NC Mortgage Companies
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Rocky Mount, NC for FHA Loans
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Rocky Mount, NC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Barnstable Town, MA Mortgage Companies
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Pennsylvania Mortgage Companies
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does KEYSTONE FUNDING, INC. offer?

KEYSTONE FUNDING, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KEYSTONE FUNDING, INC. offer mortgages?

KEYSTONE FUNDING, INC. offers mortgages in 24 states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, MA, MD, ME, NC, NH, NJ, OR, PA, RI, SC, TX, VA, WA, WV.

### How competitive are KEYSTONE FUNDING, INC.'s mortgage rates?

KEYSTONE FUNDING, INC. has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.323% above market average.

### What type of lender is KEYSTONE FUNDING, INC.?

KEYSTONE FUNDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in DOVER, DE.

### What is KEYSTONE FUNDING, INC.'s loan approval success rate?

KEYSTONE FUNDING, INC. has a pull-through score of 88/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/keystone-funding

### How to Cite

> "KEYSTONE FUNDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/keystone-funding

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