Keystone Funding, Inc Mortgage Lending & HMDA Data, 2022
In 2022, Keystone Funding, Inc of Dover, DE reported 2,502 mortgage applications totaling $916.4 million, down 22% from 2021. The average application was for $366,282, and applicants reported an average income of $131,670. 72% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (358), Philadelphia, PA (272) and Washington-Arlington-Alexandria, DC-VA-MD-WV (183) (applications in parentheses).
| Mortgage Company & Address | Keystone Funding, Inc 519 S Red Haven Ln Dover, DE 19901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2018 |
| Total Number of Mortgage Applications | 2,502 |
| Total Mortgage Loan Application Amount | $916,440,000 |
| Average Mortgage Loan Application Amount | $366,282 |
| Highest Mortgage Loan Application Amount | $2,635,000 |
| Average Applicant Income | $131,670 |
| Highest Applicant Income | $2,319,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keystone Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Delaware, Pennsylvania | 161 | $ 51,975,000 | $ 322,826 | $ 133,000 |
| Chester, Pennsylvania | 145 | $ 56,975,000 | $ 392,931 | $ 150,000 |
| Montgomery, Pennsylvania | 119 | $ 41,955,000 | $ 352,563 | $ 144,000 |
| Philadelphia, Pennsylvania | 111 | $ 32,395,000 | $ 291,846 | $ 118,000 |
| Kent, Delaware | 97 | $ 28,315,000 | $ 291,907 | $ 88,000 |
| Bucks, Pennsylvania | 94 | $ 32,190,000 | $ 342,446 | $ 118,000 |
| New Castle, Delaware | 81 | $ 22,845,000 | $ 282,037 | $ 91,000 |
| Lee, Florida | 77 | $ 27,305,000 | $ 354,610 | $ 128,000 |
| Hillsborough, Florida | 75 | $ 28,965,000 | $ 386,200 | $ 128,000 |
| Sussex, Delaware | 57 | $ 15,955,000 | $ 279,912 | $ 121,000 |
| Prince William, Virginia | 52 | $ 24,510,000 | $ 471,346 | $ 130,000 |
| Burlington, New Jersey | 50 | $ 18,470,000 | $ 369,400 | $ 163,000 |
| Pinellas, Florida | 49 | $ 17,515,000 | $ 357,448 | $ 136,000 |
| Pasco, Florida | 41 | $ 13,495,000 | $ 329,146 | $ 92,000 |
| Collier, Florida | 39 | $ 17,045,000 | $ 437,051 | $ 148,000 |
| Fairfax, Virginia | 39 | $ 24,455,000 | $ 627,051 | $ 232,000 |
| Wake, North Carolina | 38 | $ 19,840,000 | $ 522,105 | $ 145,000 |
| Berks, Pennsylvania | 38 | $ 8,590,000 | $ 226,052 | $ 88,000 |
| Middlesex, New Jersey | 33 | $ 15,575,000 | $ 471,969 | $ 174,000 |
| Palm Beach, Florida | 30 | $ 11,130,000 | $ 371,000 | $ 193,000 |
| Polk, Florida | 29 | $ 8,265,000 | $ 285,000 | $ 108,000 |
| Camden, New Jersey | 25 | $ 6,725,000 | $ 269,000 | $ 107,000 |
| Cape May, New Jersey | 25 | $ 8,795,000 | $ 351,800 | $ 147,000 |
| Essex, New Jersey | 25 | $ 11,525,000 | $ 461,000 | $ 124,000 |
| Sarasota, Florida | 24 | $ 8,790,000 | $ 366,250 | $ 101,000 |
| Manatee, Florida | 23 | $ 8,805,000 | $ 382,826 | $ 114,000 |
| Orange, Florida | 22 | $ 8,080,000 | $ 367,272 | $ 123,000 |
| Broward, Florida | 21 | $ 8,965,000 | $ 426,904 | $ 185,000 |
| Charlotte, Florida | 21 | $ 6,715,000 | $ 319,761 | $ 93,000 |
| St. Johns, Florida | 21 | $ 8,655,000 | $ 412,142 | $ 133,000 |
| Miami-Dade, Florida | 20 | $ 8,550,000 | $ 427,500 | $ 192,000 |
| Worcester, Massachusetts | 19 | $ 6,235,000 | $ 328,157 | $ 115,000 |
| Mercer, New Jersey | 19 | $ 6,275,000 | $ 330,263 | $ 120,000 |
| Ocean, New Jersey | 19 | $ 7,705,000 | $ 405,526 | $ 113,000 |
| St. Lucie, Florida | 18 | $ 6,220,000 | $ 345,555 | $ 110,000 |
| Union, New Jersey | 18 | $ 8,390,000 | $ 466,111 | $ 192,000 |
| Duval, Florida | 17 | $ 5,555,000 | $ 326,764 | $ 108,000 |
| Prince George's, Maryland | 17 | $ 7,245,000 | $ 426,176 | $ 122,000 |
| Monmouth, New Jersey | 17 | $ 10,335,000 | $ 607,941 | $ 189,000 |
| Gloucester, New Jersey | 16 | $ 4,860,000 | $ 303,750 | $ 104,000 |
| Loudoun, Virginia | 16 | $ 7,920,000 | $ 495,000 | $ 137,000 |
| Lancaster, Pennsylvania | 14 | $ 4,430,000 | $ 316,428 | $ 135,000 |
| York, Pennsylvania | 14 | $ 3,560,000 | $ 254,285 | $ 73,000 |
| Marion, Florida | 13 | $ 3,495,000 | $ 268,846 | $ 105,000 |
| Bergen, New Jersey | 13 | $ 7,405,000 | $ 569,615 | $ 164,000 |
| Morris, New Jersey | 12 | $ 6,440,000 | $ 536,666 | $ 187,000 |
| Somerset, New Jersey | 12 | $ 5,960,000 | $ 496,666 | $ 190,000 |
| Cumberland, Pennsylvania | 12 | $ 3,420,000 | $ 285,000 | $ 144,000 |
| Hernando, Florida | 11 | $ 3,575,000 | $ 325,000 | $ 88,000 |
| Osceola, Florida | 11 | $ 3,675,000 | $ 334,090 | $ 139,000 |
| Volusia, Florida | 11 | $ 3,215,000 | $ 292,272 | $ 82,000 |
| Hampden, Massachusetts | 11 | $ 3,015,000 | $ 274,090 | $ 71,000 |
| Hudson, New Jersey | 11 | $ 6,045,000 | $ 549,545 | $ 156,000 |
| Lehigh, Pennsylvania | 11 | $ 3,555,000 | $ 323,181 | $ 135,000 |
| District of Columbia, District Of Columbia | 9 | $ 5,045,000 | $ 560,555 | $ 162,000 |
| Brevard, Florida | 9 | $ 2,895,000 | $ 321,666 | $ 117,000 |
| Wicomico, Maryland | 9 | $ 1,895,000 | $ 210,555 | $ 101,000 |
| Northampton, Pennsylvania | 9 | $ 3,175,000 | $ 352,777 | $ 148,000 |
| Fauquier, Virginia | 9 | $ 4,465,000 | $ 496,111 | $ 145,000 |
| Stafford, Virginia | 9 | $ 4,965,000 | $ 551,666 | $ 128,000 |
| Lake, Florida | 8 | $ 2,740,000 | $ 342,500 | $ 96,000 |
| Nassau, Florida | 8 | $ 4,760,000 | $ 595,000 | $ 137,000 |
| Passaic, New Jersey | 8 | $ 4,200,000 | $ 525,000 | $ 199,000 |
| Alexandria, Virginia | 8 | $ 3,170,000 | $ 396,250 | $ 160,000 |
| Roanoke, Virginia | 8 | $ 1,720,000 | $ 215,000 | $ 155,000 |
| Clay, Florida | 7 | $ 2,525,000 | $ 360,714 | $ 94,000 |
| Seminole, Florida | 7 | $ 2,505,000 | $ 357,857 | $ 109,000 |
| Anne Arundel, Maryland | 7 | $ 2,875,000 | $ 410,714 | $ 118,000 |
| Montgomery, Maryland | 7 | $ 3,945,000 | $ 563,571 | $ 180,000 |
| Worcester, Maryland | 7 | $ 1,665,000 | $ 237,857 | $ 112,000 |
| Middlesex, Massachusetts | 7 | $ 3,235,000 | $ 462,142 | $ 111,000 |
| Atlantic, New Jersey | 7 | $ 2,735,000 | $ 390,714 | $ 409,000 |
| Sussex, New Jersey | 7 | $ 2,585,000 | $ 369,285 | $ 110,000 |
| Cabarrus, North Carolina | 7 | $ 3,285,000 | $ 469,285 | $ 235,000 |
| Mecklenburg, North Carolina | 7 | $ 2,465,000 | $ 352,142 | $ 186,000 |
| Franklin, Pennsylvania | 7 | $ 1,185,000 | $ 169,285 | $ 55,000 |
| Frederick, Maryland | 6 | $ 2,520,000 | $ 420,000 | $ 151,000 |
| Norfolk, Massachusetts | 6 | $ 2,360,000 | $ 393,333 | $ 120,000 |
| Hunterdon, New Jersey | 6 | $ 2,250,000 | $ 375,000 | $ 268,000 |
| Monroe, Pennsylvania | 6 | $ 1,790,000 | $ 298,333 | $ 103,000 |
| Culpeper, Virginia | 6 | $ 2,500,000 | $ 416,666 | $ 127,000 |
| Spotsylvania, Virginia | 6 | $ 2,840,000 | $ 473,333 | $ 190,000 |
| Weld, Colorado | 5 | $ 2,065,000 | $ 413,000 | $ 102,000 |
| New Haven, Connecticut | 5 | $ 1,585,000 | $ 317,000 | $ 112,000 |
| Cecil, Maryland | 5 | $ 1,625,000 | $ 325,000 | $ 102,000 |
| Barnstable, Massachusetts | 5 | $ 2,305,000 | $ 461,000 | $ 95,000 |
| Plymouth, Massachusetts | 5 | $ 2,295,000 | $ 459,000 | $ 89,000 |
| Pike, Pennsylvania | 5 | $ 1,165,000 | $ 233,000 | $ 87,000 |
| Roanoke City, Virginia | 5 | $ 1,045,000 | $ 209,000 | $ 106,000 |
| Fairfield, Connecticut | 4 | $ 1,430,000 | $ 357,500 | $ 157,000 |
| Martin, Florida | 4 | $ 1,620,000 | $ 405,000 | $ 169,000 |
| Caroline, Maryland | 4 | $ 1,110,000 | $ 277,500 | $ 108,000 |
| Warren, New Jersey | 4 | $ 1,200,000 | $ 300,000 | $ 120,000 |
| Craven, North Carolina | 4 | $ 1,030,000 | $ 257,500 | $ 102,000 |
| Carbon, Pennsylvania | 4 | $ 1,000,000 | $ 250,000 | $ 93,000 |
| Centre, Pennsylvania | 4 | $ 1,080,000 | $ 270,000 | $ 103,000 |
| Dauphin, Pennsylvania | 4 | $ 1,110,000 | $ 277,500 | $ 63,000 |
| Luzerne, Pennsylvania | 4 | $ 1,270,000 | $ 317,500 | $ 138,000 |
| Routt, Colorado | 3 | $ 1,305,000 | $ 435,000 | $ 116,000 |
| Hartford, Connecticut | 3 | $ 755,000 | $ 251,666 | $ 61,000 |
| Escambia, Florida | 3 | $ 1,165,000 | $ 388,333 | $ 90,000 |
| Okeechobee, Florida | 3 | $ 1,095,000 | $ 365,000 | $ 93,000 |
| Baltimore, Maryland | 3 | $ 995,000 | $ 331,666 | $ 107,000 |
| Baltimore City, Maryland | 3 | $ 865,000 | $ 288,333 | $ 136,000 |
| Carroll, Maryland | 3 | $ 1,605,000 | $ 535,000 | $ 114,000 |
| Charles, Maryland | 3 | $ 1,195,000 | $ 398,333 | $ 132,000 |
| Suffolk, Massachusetts | 3 | $ 1,795,000 | $ 598,333 | $ 159,000 |
| Hillsborough, New Hampshire | 3 | $ 1,085,000 | $ 361,666 | $ 98,000 |
| Durham, North Carolina | 3 | $ 1,245,000 | $ 415,000 | $ 181,000 |
| Harnett, North Carolina | 3 | $ 685,000 | $ 228,333 | $ 93,000 |
| Johnston, North Carolina | 3 | $ 895,000 | $ 298,333 | $ 82,000 |
| Adams, Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 119,000 |
| Schuylkill, Pennsylvania | 3 | $ 755,000 | $ 251,666 | $ 57,000 |
| Manassas, Virginia | 3 | $ 625,000 | $ 208,333 | $ 54,000 |
| San Diego, California | 2 | $ 1,260,000 | $ 630,000 | $ 137,000 |
| Arapahoe, Colorado | 2 | $ 720,000 | $ 360,000 | $ 86,000 |
| Alachua, Florida | 2 | $ 510,000 | $ 255,000 | $ 105,000 |
| Citrus, Florida | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Flagler, Florida | 2 | $ 430,000 | $ 215,000 | $ 105,000 |
| Gadsden, Florida | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Leon, Florida | 2 | $ 720,000 | $ 360,000 | $ 82,000 |
| Monroe, Florida | 2 | $ 1,400,000 | $ 700,000 | $ 209,000 |
| Okaloosa, Florida | 2 | $ 600,000 | $ 300,000 | $ 190,000 |
| Santa Rosa, Florida | 2 | $ 580,000 | $ 290,000 | $ 120,000 |
| Sumter, Florida | 2 | $ 910,000 | $ 455,000 | $ 137,000 |
| Walton, Florida | 2 | $ 1,300,000 | $ 650,000 | $ 331,000 |
| Dorchester, Maryland | 2 | $ 400,000 | $ 200,000 | $ 63,000 |
| Harford, Maryland | 2 | $ 780,000 | $ 390,000 | $ 214,000 |
| Howard, Maryland | 2 | $ 870,000 | $ 435,000 | $ 264,000 |
| Bristol, Massachusetts | 2 | $ 810,000 | $ 405,000 | $ 89,000 |
| Essex, Massachusetts | 2 | $ 920,000 | $ 460,000 | $ 123,000 |
| Belknap, New Hampshire | 2 | $ 670,000 | $ 335,000 | $ 88,000 |
| Cheshire, New Hampshire | 2 | $ 690,000 | $ 345,000 | $ 60,000 |
| Rockingham, New Hampshire | 2 | $ 1,070,000 | $ 535,000 | $ 159,000 |
| Buncombe, North Carolina | 2 | $ 1,290,000 | $ 645,000 | $ 201,000 |
| Chatham, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 41,000 |
| Dare, North Carolina | 2 | $ 1,140,000 | $ 570,000 | $ 392,000 |
| Davidson, North Carolina | 2 | $ 580,000 | $ 290,000 | $ 96,000 |
| Forsyth, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 105,000 |
| Franklin, North Carolina | 2 | $ 710,000 | $ 355,000 | $ 74,000 |
| Lee, North Carolina | 2 | $ 420,000 | $ 210,000 | $ 46,000 |
| Randolph, North Carolina | 2 | $ 510,000 | $ 255,000 | $ 66,000 |
| Union, North Carolina | 2 | $ 1,400,000 | $ 700,000 | $ 126,000 |
| Lane, Oregon | 2 | $ 760,000 | $ 380,000 | $ 93,000 |
| Allegheny, Pennsylvania | 2 | $ 810,000 | $ 405,000 | $ 220,000 |
| Lebanon, Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 70,000 |
| Bexar, Texas | 2 | $ 650,000 | $ 325,000 | $ 96,000 |
| Dallas, Texas | 2 | $ 650,000 | $ 325,000 | $ 70,000 |
| Tarrant, Texas | 2 | $ 1,380,000 | $ 690,000 | $ 289,000 |
| Taylor, Texas | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Arlington, Virginia | 2 | $ 960,000 | $ 480,000 | $ 115,000 |
| Chesterfield, Virginia | 2 | $ 820,000 | $ 410,000 | $ 93,000 |
| Hampton, Virginia | 2 | $ 680,000 | $ 340,000 | $ 63,000 |
| Louisa, Virginia | 2 | $ 900,000 | $ 450,000 | $ 199,000 |
| Orange, Virginia | 2 | $ 860,000 | $ 430,000 | $ 97,000 |
| Warren, Virginia | 2 | $ 690,000 | $ 345,000 | $ 85,000 |
| Mohave, Arizona | 1 | $ 725,000 | $ 725,000 | $ 822,000 |
| Pima, Arizona | 1 | $ 585,000 | $ 585,000 | $ 132,000 |
| Alameda, California | 1 | $ 565,000 | $ 565,000 | $ 118,000 |
| Contra Costa, California | 1 | $ 1,155,000 | $ 1,155,000 | $ 399,000 |
| Lake, California | 1 | $ 395,000 | $ 395,000 | $ 161,000 |
| Riverside, California | 1 | $ 535,000 | $ 535,000 | $ 121,000 |
| Sonoma, California | 1 | $ 1,375,000 | $ 1,375,000 | $ 486,000 |
| Stanislaus, California | 1 | $ 395,000 | $ 395,000 | $ 152,000 |
| Adams, Colorado | 1 | $ 605,000 | $ 605,000 | $ 174,000 |
| Broomfield, Colorado | 1 | $ 605,000 | $ 605,000 | $ 152,000 |
| Chaffee, Colorado | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Denver, Colorado | 1 | $ 445,000 | $ 445,000 | $ 64,000 |
| El Paso, Colorado | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Grand, Colorado | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Jefferson, Colorado | 1 | $ 1,395,000 | $ 1,395,000 | $ 284,000 |
| Litchfield, Connecticut | 1 | $ 425,000 | $ 425,000 | $ 90,000 |
| Windham, Connecticut | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Bay, Florida | 1 | $ 495,000 | $ 495,000 | $ 356,000 |
| Columbia, Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Hendry, Florida | 1 | $ 645,000 | $ 645,000 | $ 441,000 |
| Highlands, Florida | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Indian River, Florida | 1 | $ 315,000 | $ 315,000 | $ 108,000 |
| Putnam, Florida | 1 | $ 455,000 | $ 455,000 | $ 85,000 |
| Fulton, Georgia | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Henry, Georgia | 1 | $ 385,000 | $ 385,000 | $ 84,000 |
| Calvert, Maryland | 1 | $ 345,000 | $ 345,000 | $ 85,000 |
| Kent, Maryland | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| Somerset, Maryland | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Talbot, Maryland | 1 | $ 415,000 | $ 415,000 | $ 103,000 |
| Hampshire, Massachusetts | 1 | $ 365,000 | $ 365,000 | $ 88,000 |
| Merrimack, New Hampshire | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Cumberland, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Salem, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Alamance, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Carteret, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 100,000 |
| Cumberland, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Gaston, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Granville, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Haywood, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 741,000 |
| Hoke, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Iredell, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Moore, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Orange, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Rowan, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Benton, Oregon | 1 | $ 345,000 | $ 345,000 | $ 148,000 |
| Crook, Oregon | 1 | $ 385,000 | $ 385,000 | $ 135,000 |
| Deschutes, Oregon | 1 | $ 1,005,000 | $ 1,005,000 | $ 225,000 |
| Jackson, Oregon | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Marion, Oregon | 1 | $ 365,000 | $ 365,000 | $ 287,000 |
| Polk, Oregon | 1 | $ 345,000 | $ 345,000 | $ 64,000 |
| Blair, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Bradford, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Cambria, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 139,000 |
| Clinton, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Columbia, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Lackawanna, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 123,000 |
| Sullivan, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Washington, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Charleston, South Carolina | 1 | $ 715,000 | $ 715,000 | $ 251,000 |
| Horry, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Spartanburg, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Williamsburg, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Accomack, Virginia | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Bedford, Virginia | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Chesapeake, Virginia | 1 | $ 615,000 | $ 615,000 | $ 91,000 |
| Franklin, Virginia | 1 | $ 425,000 | $ 425,000 | $ 203,000 |
| Frederick, Virginia | 1 | $ 335,000 | $ 335,000 | $ 85,000 |
| Gloucester, Virginia | 1 | $ 365,000 | $ 365,000 | $ 251,000 |
| Henrico, Virginia | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Hopewell, Virginia | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| King George, Virginia | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Manassas Park, Virginia | 1 | $ 605,000 | $ 605,000 | $ 156,000 |
| Mathews, Virginia | 1 | $ 485,000 | $ 485,000 | $ 243,000 |
| Montgomery, Virginia | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| Portsmouth, Virginia | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Pulaski, Virginia | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Salem, Virginia | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Virginia Beach, Virginia | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Keystone Funding, Inc in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,061 | $773,045,000 | $375,000 | $2,635,000 | $131,000 | $2,319,000 |
| Cash-out Refinancing | 311 | $101,265,000 | $325,000 | $1,005,000 | $119,000 | $912,000 |
| Refinancing | 129 | $42,025,000 | $325,000 | $1,085,000 | $172,000 | $1,479,000 |
| Other Purpose | 1 | $105,000 | $105,000 | $105,000 | $252,000 | $252,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,343 | $488,165,000 | $363,000 | $2,635,000 | $135,000 | $2,319,000 |
| Not Provided | 480 | $186,700,000 | $388,000 | $1,375,000 | $150,000 | $1,033,000 |
| Black or African American | 274 | $90,530,000 | $330,000 | $1,355,000 | $96,000 | $600,000 |
| Hispanic | 222 | $76,300,000 | $343,000 | $1,015,000 | $103,000 | $505,000 |
| Asian | 155 | $65,535,000 | $422,000 | $1,095,000 | $149,000 | $668,000 |
| American Indian or Alaskan Native | 9 | $2,705,000 | $300,000 | $455,000 | $110,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $111,000 | $111,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,552 | $594,850,000 | $383,000 | $2,635,000 | $153,000 | $2,319,000 |
| FHA-insured (Federal Housing Administration) | 718 | $228,700,000 | $318,000 | $835,000 | $94,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 195 | $83,915,000 | $430,000 | $1,355,000 | $112,000 | $405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $8,975,000 | $242,000 | $365,000 | $69,000 | $110,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,799 | $649,345,000 | $360,000 | $1,945,000 | $130,000 | $1,479,000 |
| Application Approved But Not Accepted | 346 | $126,930,000 | $366,000 | $1,295,000 | $139,000 | $912,000 |
| Application Withdrawn By Applicant | 241 | $101,095,000 | $419,000 | $2,635,000 | $156,000 | $2,319,000 |
| Application Denied By Financial Institution | 116 | $39,070,000 | $336,000 | $1,015,000 | $85,000 | $505,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,386 | $877,370,000 | $367,000 | $2,635,000 | $134,000 | $2,319,000 |
| Debt-To-Income Ratio | 48 | $16,830,000 | $350,000 | $1,005,000 | $75,000 | $213,000 |
| Credit History | 24 | $7,900,000 | $329,000 | $1,015,000 | $116,000 | $505,000 |
| Collateral | 15 | $4,725,000 | $315,000 | $565,000 | $83,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,635,000 | $330,000 | $505,000 | $82,000 | $158,000 |
| Other | 6 | $1,090,000 | $181,000 | $325,000 | $87,000 | $190,000 |
| Unverifiable Information | 6 | $2,490,000 | $415,000 | $505,000 | $89,000 | $160,000 |
| Employment History | 6 | $2,400,000 | $400,000 | $535,000 | $50,000 | $96,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Funding, Inc's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Keystone Funding, Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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