Lenders › Keystone Funding, Inc › Pennsylvania
Keystone Funding, Inc in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania 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.
Keystone Funding, Inc's 2024 HMDA record for Pennsylvania covers 661 applications, 582 of them originated, worth $210m.
Its denial rate in the state was 3.3%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 5.3%.
The median rate spread on its Pennsylvania originations was 0.4 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Keystone Funding, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.3% | 24.2% | 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 | 0.5% | 14.1% | 2.0% | 15.6% |
| Average originated loan | $361k | $226k | $386k | $329k |
| Home purchase share | 90.2% | 48.7% | 90.1% | 57.0% |
| FHA-insured share | 19.1% | 9.8% | 26.9% | 13.4% |
| VA-guaranteed share | 3.8% | 4.0% | 9.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 90% (525)Refinancing 4% (26)Cash-out refinancing 5% (31)
By type
Conventional 77% (447)FHA 19% (111)VA 4% (22)USDA 0% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Chester County | 139 | 127 | $54m | 1.4% |
| Montgomery County | 118 | 107 | $42m | 1.7% |
| Delaware County | 88 | 79 | $26m | 1.1% |
| Philadelphia County | 94 | 73 | $25m | 9.6% |
| Bucks County | 66 | 57 | $23m | 3.0% |
| Northampton County | 32 | 31 | $9.6m | 3.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Keystone Funding, Inc originate in Pennsylvania in 2024?
582 loans totalling $210m, from 661 applications reported for properties in Pennsylvania.
What is Keystone Funding, Inc's denial rate in Pennsylvania?
3.3% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does Keystone Funding, Inc lend in most?
By originations: Chester County (127), Montgomery County (107), Delaware County (79), Philadelphia County (73), Bucks County (57).
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 Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.