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 score and performance metrics.

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 an overall pricing score of 41.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is KEYSTONE FUNDING, INC.?

KEYSTONE FUNDING, INC. is a Independent Mortgage Company headquartered in DOVER, DE.

Unclaimed

Keystone Funding, Inc.

Independent Mortgage Company•DOVER, DE•Direct to Consumer

We analyzed every closed loan from Keystone Funding — 2.6k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Exceptional

FHA · Conventional · VA · USDA

Place

Sound

Multi-Region · 44 mkts

Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +32.3 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional45 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	1,662	63.1%	+0.343%Above	$2,377Fees
FHA Loans	Strong	Exceptional	Sound	Exceptional	700	26.6%	+0.438%Above	$2,706Fees
VA Loans	Strong	Strong	Sound	Exceptional	234	8.9%	-0.345%Below	$1,958Fees
USDA Loans	Acceptable	Sound	—	Acceptable	34	1.3%	+0.159%Above	$1,996Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Exceptional	2,383	90.5%	+0.337%Above	$2,507Fees
Refinance	Strong	Strong	Sound	Strong	249	9.5%	+0.205%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOCTDCDEFLGAIDMAMDMENCNHNJORPARISCTXVAWAWV

Top Metro Areas by Place Specialization Score

Dover, DE, DEMSA

Volume: 179Mix: 6.80%of portfolio

Place

Exceptional

Montgomery County, PAMSA

Volume: 288Mix: 10.94%of portfolio

Place

Exceptional

Wilmington, DEMSA

Volume: 174Mix: 6.61%of portfolio

Place

Strong

Rocky Mount, NC, NCMSA

Volume: 45Mix: 1.71%of portfolio

Place

Strong

Philadelphia, PA, PAMSA

Volume: 152Mix: 5.78%of portfolio

Place

Strong

Denver, COMSA

Volume: 194Mix: 7.37%of portfolio

Place

Strong

Manchester, NHMSA

Volume: 62Mix: 2.36%of portfolio

Place

Strong

Allentown, PA-NJMSA

Volume: 60Mix: 2.28%of portfolio

Place

Strong

Rockingham County, NHMSA

Volume: 56Mix: 2.13%of portfolio

Place

Strong

Baltimore, MDMSA

Volume: 80Mix: 3.04%of portfolio

Place

Strong

Showing 10 of 44 metro areas

Top States by Place Specialization Score

DEState

Volume: 412Mix: 15.65%of portfolio

Place

Exceptional

PAState

Volume: 578Mix: 21.96%of portfolio

Place

Exceptional

NHState

Volume: 162Mix: 6.16%of portfolio

Place

Strong

COState

Volume: 290Mix: 11.02%of portfolio

Place

Strong

NJState

Volume: 173Mix: 6.57%of portfolio

Place

Strong

MAState

Volume: 177Mix: 6.72%of portfolio

Place

Strong

FLState

Volume: 249Mix: 9.46%of portfolio

Place

Strong

MDState

Volume: 123Mix: 4.67%of portfolio

Place

Strong

NCState

Volume: 84Mix: 3.19%of portfolio

Place

Sound

VAState

Volume: 53Mix: 2.01%of portfolio

Place

Sound

Showing 10 of 20 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.