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KEYSTONE FUNDING, INC.
Independent Mortgage Company|DOVER, DE|Multi-Region
Loans Originated
2,632
Applications
3,194
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.323%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,437
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
82.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
KEYSTONE FUNDING, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 45 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$388,735
Average Borrower Income
$147,696
Average Property Value
$483,245
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% | $2,377 |
FHA Loans | Strong | Exceptional | Sound | Exceptional | 700 | 26.6% | +0.438% | $2,706 |
VA Loans | Strong | Strong | Sound | Exceptional | 234 | 8.9% | -0.345% | $1,958 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 34 | 1.3% | +0.159% | $1,996 |
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% | $2,507 |
Refinance | Strong | Strong | Sound | Strong | 249 | 9.5% | +0.205% | $1,815 |
Geographic Coverage
Metro Areas
44
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCDEFLGAIDMAMDMENCNHNJORPARISCTXVAWAWV
Top Metro Areas by Place Specialization Score
1
Dover, DE, DEMSA
Volume: 179Mix: 6.80%
Place Specialization
Exceptional
2
Montgomery County, PAMSA
Volume: 288Mix: 10.94%
Place Specialization
Exceptional
3
Wilmington, DEMSA
Volume: 174Mix: 6.61%
Place Specialization
Strong
4
Rocky Mount, NC, NCMSA
Volume: 45Mix: 1.71%
Place Specialization
Strong
5
Philadelphia, PA, PAMSA
Volume: 152Mix: 5.78%
Place Specialization
Strong
6
Denver, COMSA
Volume: 194Mix: 7.37%
Place Specialization
Strong
7
Manchester, NHMSA
Volume: 62Mix: 2.36%
Place Specialization
Strong
8
Allentown, PA-NJMSA
Volume: 60Mix: 2.28%
Place Specialization
Strong
9
Rockingham County, NHMSA
Volume: 56Mix: 2.13%
Place Specialization
Strong
10
Baltimore, MDMSA
Volume: 80Mix: 3.04%
Place Specialization
Strong
Showing 10 of 44 metro areas
Top States by Place Specialization Score
1
DEState
Volume: 412Mix: 15.65%
Place Specialization
Exceptional
2
PAState
Volume: 578Mix: 21.96%
Place Specialization
Exceptional
3
NHState
Volume: 162Mix: 6.16%
Place Specialization
Strong
4
COState
Volume: 290Mix: 11.02%
Place Specialization
Strong
5
NJState
Volume: 173Mix: 6.57%
Place Specialization
Strong
6
MAState
Volume: 177Mix: 6.72%
Place Specialization
Strong
7
FLState
Volume: 249Mix: 9.46%
Place Specialization
Strong
8
MDState
Volume: 123Mix: 4.67%
Place Specialization
Strong
9
NCState
Volume: 84Mix: 3.19%
Place Specialization
Sound
10
VAState
Volume: 53Mix: 2.01%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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