Lenders › Keystone Funding, Inc › Florida
Keystone Funding, Inc in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Keystone Funding, Inc reported 344 applications and 259 originations for 2024, $93m in all.
Its denial rate in the state was 9.0%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 5.3%.
The median rate spread on its Florida originations was 0.4 percentage points (state median 0.3).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Keystone Funding, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.0% | 29.0% | 5.3% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.2% | 16.4% | 2.0% | 15.6% |
| Average originated loan | $360k | $359k | $386k | $329k |
| Home purchase share | 94.2% | 62.9% | 90.1% | 57.0% |
| FHA-insured share | 39.0% | 17.7% | 26.9% | 13.4% |
| VA-guaranteed share | 12.4% | 9.5% | 9.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 94% (244)Refinancing 3% (9)Cash-out refinancing 2% (6)
By type
Conventional 47% (123)FHA 39% (101)VA 12% (32)USDA 1% (3)
Denial reasons as coded
Share of 31 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 45 | 35 | $14m | 11.1% |
| Hernando County | 27 | 22 | $5.9m | 14.8% |
| Pinellas County | 27 | 19 | $7.4m | 14.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Keystone Funding, Inc originate in Florida in 2024?
259 loans totalling $93m, from 344 applications reported for properties in Florida.
What is Keystone Funding, Inc's denial rate in Florida?
9.0% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 5.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Keystone Funding, Inc lend in most?
By originations: Hillsborough County (35), Hernando County (22), Pinellas County (19).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.