Keystone Funding, Inc. mortgage approval rate & lending review
Keystone Funding, Inc. decided 8,989 mortgage applications and funded 7,365 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Keystone Funding, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to keystonefunding.com.
Keystone Funding, Inc. at a glance
Approval is 9.4 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 7,223 / 7,570 | 87% | $375K | 6,280 |
| Cash-out refinance | 93% | 432 / 463 | 78% | $345K | 339 |
| Refinance | 95% | 547 / 573 | 81% | $425K | 445 |
| Investment property purchase | 95% | 324 / 342 | 84% | $235K | 272 |
Keystone Funding, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 97% | $385K | 2,365 | 2,058 |
| Delaware | 95% | $315K | 1,456 | 1,219 |
| Colorado | 98% | $525K | 903 | 729 |
| Florida | 91% | $355K | 887 | 656 |
| New Jersey | 93% | $445K | 737 | 553 |
| Massachusetts | 94% | $505K | 545 | 460 |
| New Hampshire | 97% | $425K | 411 | 357 |
| Maryland | 95% | $425K | 410 | 345 |
| Virginia | 96% | $515K | 170 | 148 |
| North Carolina | 97% | $305K | 167 | 136 |
| Texas | 86% | $265K | 155 | 101 |
| Georgia | 89% | $305K | 141 | 98 |
| Oregon | 96% | $415K | 102 | 85 |
| Arizona | 95% | $455K | 92 | 67 |
| Alabama | 94% | $345K | 86 | 70 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Keystone Funding, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New Castle County, DE | Mortgage lenders | 96% | 525 | 443 |
| Kent County, DE | Mortgage lenders | 96% | 509 | 437 |
| Chester County, PA | Mortgage lenders | 99% | 412 | 359 |
| Montgomery County, PA | Mortgage lenders | 98% | 340 | 311 |
| Delaware County, PA | Mortgage lenders | 98% | 248 | 219 |
| Sussex County, DE | Mortgage lenders | 91% | 275 | 217 |
| Philadelphia County, PA | Mortgage lenders | 94% | 254 | 205 |
| Bucks County, PA | Mortgage lenders | 98% | 222 | 197 |
| Hillsborough County, NH | Mortgage lenders | 97% | 153 | 135 |
| Jefferson County, CO | Mortgage lenders | 99% | 158 | 126 |
| Northampton County, PA | Mortgage lenders | 99% | 128 | 125 |
| Denver County, CO | Mortgage lenders | 98% | 122 | 103 |
The county markets where Keystone Funding, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Keystone Funding, Inc.
What is Keystone Funding, Inc.'s mortgage approval rate?
Keystone Funding, Inc. approved 95.3% of the 8,989 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Keystone Funding, Inc. offers?
Borrowers accepted 86% of the loans Keystone Funding, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Keystone Funding, Inc. make?
The typical home purchase mortgage loan Keystone Funding, Inc. made was $375K; across all loan types its typical loan ran from $235K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Keystone Funding, Inc. lend?
Keystone Funding, Inc. decided applications in 28 of the states Fat Boy Data covers, most of them in Pennsylvania, Delaware and Colorado.
Can I apply to Keystone Funding, Inc. directly?
Yes. Keystone Funding, Inc. reports as a direct lender that takes applications from borrowers. Its website is keystonefunding.com.
Does this page show Keystone Funding, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Keystone Funding, Inc. treats applications, then get a rate quote from the lender.