LEI 5493002GI63WHHUTUD85 · Dover, DE
Keystone Funding, Inc
Originated-loan volume lands in the upper fleet tercile (2,715 funded) among 3,307 reported applications in the 2024 HMDA Snapshot.
Originated-volume tercile vs fleet
Keystone Funding, Inc funded 2,715 mortgages, upper fleet tercile (above ~310 originations), ranking #340 of 4,908 by originated-loan volume but #46 of 1,076 lenders with 1,000+ applications on origination share (82.1%). Easy Street Capital LLC leads that origination-share board at 100.0% on 1,937 applications.
- #46
- Origination-share rank of 1,076
- 82.1%
- Origination share
- 2,715
- Originated
- 5.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
3,307reported applications
Where Keystone Funding, Inc sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
2,715 Top 7% higher than 93% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Keystone Funding, Inc
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Keystone Funding, Inc
Lender-reported HMDA denial-reason counts (top reasons shown).
High-volume book. Keystone Funding, Inc funded 2,715 mortgages, above the fleet upper tercile (~310 originations) - so absolute denial and purpose counts matter more here than at thin reporters. Most-cited denial codes: Debt-to-income ratio, Credit history, Collateral. Program weight concentrates in Conventional (1,993 applications).
How to read Keystone Funding, Inc. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Keystone Funding, Inc
Keystone Funding, Inc filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 1,993 | 1,701 | 67 | $404,493 |
| FHA | 955 | 730 | 79 | $345,838 |
| VA | 303 | 248 | 17 | $413,020 |
| USDA | 56 | 36 | 11 | $242,857 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Keystone Funding, Inc (LEI: 5493002GI63WHHUTUD85) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 2,950 | 2,446 | $383,003 |
| Refinancing | 180 | 138 | $449,833 |
| Cash-out Refinancing | 176 | 130 | $364,148 |
| Other | 1 | 1 | $255,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 2,124 | 84.4% | 4.1% |
| Black or African American | 325 | 74.5% | 10.8% |
| Asian | 146 | 84.9% | 4.1% |
| Joint | 94 | 79.8% | 5.3% |
| 2 or more minority races * | 12 | 91.7% | 8.3% |
| American Indian or Alaska Native * | 10 | 70.0% | 20.0% |
| Native Hawaiian or Other Pacific Islander * | 3 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 2,268 | 84.0% | 4.6% |
| Hispanic or Latino | 331 | 75.2% | 9.1% |
| Joint | 121 | 86.0% | 2.5% |
Nearby Lenders in DE
Other HMDA-reporting lenders in DE with similar activity. Compare any two side-by-side.
One of 13 other HMDA-reporting lenders in DE, 5 are shown here.
Discover Bank
GREENWOOD, DE
WSFS bank
Wilmington, DE
Pike Creek Mortgage Services, Inc.
Newark, DE
Del-One Federal Credti Union
DOVER, DE
Dover Federal Credit Union
DOVER, DE
Nationwide lenders with similar profiles
Two HMDA peer sets for Keystone Funding, Inc, both outside DE so the neighborhoods are not state containment (the Nearby list above stays in-state). Peers are drawn from lenders with ≥1,000 applications, the same floor used on approval and denial rankings.
Similar denial rate
Nearest other-state lenders by denial rate (5.3% here).
Similar application volume
Nearest other-state lenders by total applications (3,307 here).
Read with Keystone Funding, Inc
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Keystone Funding, Inc (LEI 5493002GI63WHHUTUD85).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Keystone Funding, Inc.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Keystone Funding, Inc page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.