Keystone Funding
We analyzed every closed loan from Keystone Funding — 2.6k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 44 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Keystone Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.3 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 45 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,662 | 63.1% | +0.343%Above | $2,377Fees | ||||
FHA Loans | 700 | 26.6% | +0.438%Above | $2,706Fees | ||||
VA Loans | 234 | 8.9% | -0.345%Below | $1,958Fees | ||||
USDA Loans | — | 34 | 1.3% | +0.159%Above | $1,996Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,662
Mix63.1%
Spread
+0.343%Above
Fees
$2,377Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume700
Mix26.6%
Spread
+0.438%Above
Fees
$2,706Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume234
Mix8.9%
Spread
-0.345%Below
Fees
$1,958Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume34
Mix1.3%
Spread
+0.159%Above
Fees
$1,996Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,383 | 90.5% | +0.337%Above | $2,507Fees | ||||
Refinance | 249 | 9.5% | +0.205%Above | $1,815Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume2,383
Mix90.5%
Spread
+0.337%Above
Fees
$2,507Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume249
Mix9.5%
Spread
+0.205%Above
Fees
$1,815Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,632
Applications
3,194
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.323%
vs. market APOR
Avg Net Fees
$2,437
Origination − Credits
Pullthrough Rate
82.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$388,735
Avg Borrower Income
$147,696
Avg Property Value
$483,245
Geographic Coverage
Geographic Performance
Metro Areas
44
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
24Northeast7
CTMEMANHNJPARI
South11
ALDCDEFLGAMDNCSCTXVAWV
West6
AZCACOIDORWA
Top Metro Areas by Place Specialization Score
Volume 179Mix 6.80% of portfolio
100/100
Exceptional
Volume 288Mix 10.94% of portfolio
86/100
Exceptional
Volume 174Mix 6.61% of portfolio
78/100
Strong
Volume 45Mix 1.71% of portfolio
77/100
Strong
Volume 152Mix 5.78% of portfolio
76/100
Strong
Volume 194Mix 7.37% of portfolio
71/100
Strong
Volume 62Mix 2.36% of portfolio
71/100
Strong
Volume 60Mix 2.28% of portfolio
67/100
Strong
Volume 56Mix 2.13% of portfolio
66/100
Strong
Volume 80Mix 3.04% of portfolio
62/100
StrongShowing 10 of 44 metro areas
Top States by Place Specialization Score
1
DelawareState
Volume 412Mix 15.65% of portfolio
87/100
Exceptional2
PennsylvaniaState
Volume 578Mix 21.96% of portfolio
80/100
Exceptional3
New HampshireState
Volume 162Mix 6.16% of portfolio
75/100
Strong4
ColoradoState
Volume 290Mix 11.02% of portfolio
72/100
Strong5
New JerseyState
Volume 173Mix 6.57% of portfolio
69/100
Strong6
MassachusettsState
Volume 177Mix 6.72% of portfolio
68/100
Strong7
FloridaState
Volume 249Mix 9.46% of portfolio
64/100
Strong8
MarylandState
Volume 123Mix 4.67% of portfolio
63/100
Strong9
North CarolinaState
Volume 84Mix 3.19% of portfolio
55/100
Sound10
VirginiaState
Volume 53Mix 2.01% of portfolio
53/100
SoundShowing 10 of 20 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.