Keystone Funding, Inc Mortgage Lending & HMDA Data, 2025

In 2025, Keystone Funding, Inc of Dover, DE reported 4,493 mortgage applications totaling $1.8 billion, up 36% from 2024. The average application was for $399,727, and applicants reported an average income of $144,280. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (515), Denver-Aurora-Lakewood, CO (406) and Wilmington, DE-MD-NJ (294) (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 4,493
Total Mortgage Loan Application Amount $1,795,975,000
Average Mortgage Loan Application Amount $399,727
Highest Mortgage Loan Application Amount $1,245,000
Average Applicant Income $144,280
Highest Applicant Income $4,056,000

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(HMDA) records Keystone Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Keystone Funding, Inc by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 683 $ 221,455,000 $ 324,238 $ 133,288
Montgomery County-Bucks County-Chester County, PA 515 $ 220,365,000 $ 427,893 $ 165,000
Denver-Aurora-Lakewood, CO 406 $ 220,070,000 $ 542,044 $ 178,000
Wilmington, DE-MD-NJ 294 $ 102,820,000 $ 349,727 $ 114,020
Dover, DE 241 $ 78,595,000 $ 326,120 $ 98,000
Philadelphia, PA 225 $ 82,065,000 $ 364,733 $ 141,000
Allentown-Bethlehem-Easton, PA-NJ 193 $ 59,255,000 $ 307,020 $ 130,968
Baltimore-Columbia-Towson, MD 91 $ 38,595,000 $ 424,120 $ 145,000
Camden, NJ 81 $ 30,055,000 $ 371,049 $ 153,000
Manchester-Nashua, NH 80 $ 36,270,000 $ 453,375 $ 161,000
Cambridge-Newton-Framingham, MA 70 $ 40,190,000 $ 574,142 $ 192,000
Arlington-Alexandria-Reston, VA-WV 67 $ 38,515,000 $ 574,850 $ 187,000
Rockingham County-Strafford County, NH 61 $ 28,365,000 $ 465,000 $ 177,000
Tampa, FL 55 $ 17,085,000 $ 310,636 $ 103,000
Fort Collins, CO 53 $ 26,085,000 $ 492,169 $ 170,000
Lakewood-New Brunswick, NJ 50 $ 24,170,000 $ 483,400 $ 181,000
Newark, NJ-PA 49 $ 25,645,000 $ 523,367 $ 164,000
Boston, MA 48 $ 24,610,000 $ 512,708 $ 187,000
Rocky Mount, NC 47 $ 10,685,000 $ 227,340 $ 91,000
Washington-Baltimore-Arlington, DC 45 $ 22,295,000 $ 495,444 $ 175,000
Colorado Springs, CO 42 $ 18,940,000 $ 450,952 $ 126,000
Scranton--Wilkes-Barre--Hazleton, PA 40 $ 10,940,000 $ 273,500 $ 125,000
Charlotte-Concord-Gastonia, NC-SC 36 $ 15,670,000 $ 435,277 $ 130,166
Barnstable Town, MA 35 $ 15,825,000 $ 452,142 $ 130,000
Phoenix-Mesa-Scottsdale, AZ 32 $ 13,560,000 $ 423,750 $ 129,000
Greeley, CO 31 $ 14,705,000 $ 474,354 $ 124,000
Portland-Vancouver-Hillsboro, OR-WA 31 $ 15,585,000 $ 502,741 $ 171,290
Reading, PA 31 $ 9,395,000 $ 303,064 $ 105,000
Warner Robins, GA 29 $ 9,675,000 $ 333,620 $ 120,000
Boulder, CO 28 $ 13,350,000 $ 476,785 $ 198,000
Worcester, MA-CT 27 $ 11,965,000 $ 443,148 $ 156,000
Providence-Warwick, RI-MA 23 $ 10,705,000 $ 465,434 $ 121,086
Auburn-Opelika, AL 21 $ 7,315,000 $ 348,333 $ 125,000
Lancaster, PA 21 $ 6,785,000 $ 323,095 $ 100,000
San Antonio-New Braunfels, TX 21 $ 5,805,000 $ 276,428 $ 128,000
Atlanta-Sandy Springs-Roswell, GA 20 $ 7,660,000 $ 383,000 $ 112,000
New York-Jersey City-White Plains, NY-NJ 20 $ 12,240,000 $ 612,000 $ 170,000
Washington, DC-MD 20 $ 10,300,000 $ 515,000 $ 164,600
Harrisburg-Carlisle, PA 19 $ 6,585,000 $ 346,578 $ 142,000
Jacksonville, FL 19 $ 7,315,000 $ 385,000 $ 133,000
Orlando-Kissimmee-Sanford, FL 19 $ 6,055,000 $ 318,684 $ 119,000
Nashville-Davidson--Murfreesboro--Franklin, TN 18 $ 8,550,000 $ 475,000 $ 135,000
Portland-South Portland, ME 17 $ 8,125,000 $ 477,941 $ 174,000
Virginia Beach-Norfolk-Newport News, VA-NC 17 $ 6,995,000 $ 411,470 $ 134,411
Bismarck, ND 16 $ 5,250,000 $ 328,125 $ 102,000
Salem, OR 16 $ 6,620,000 $ 413,750 $ 153,000
Springfield, MA 16 $ 4,510,000 $ 281,875 $ 97,000
Knoxville, TN 15 $ 5,085,000 $ 339,000 $ 168,000
Hartford-West Hartford-East Hartford, CT 14 $ 4,010,000 $ 286,428 $ 133,000
Pittsburgh, PA 14 $ 3,220,000 $ 230,000 $ 126,000
Raleigh, NC 14 $ 6,240,000 $ 445,714 $ 142,000
St. Petersburg-Clearwater-Largo, FL 14 $ 6,350,000 $ 453,571 $ 175,000
West Palm Beach-Boca Raton-Delray Beach, FL 12 $ 5,060,000 $ 421,666 $ 150,000
Lakeland-Winter Haven, FL 11 $ 3,835,000 $ 348,636 $ 112,000
North Port-Sarasota-Bradenton, FL 11 $ 3,625,000 $ 329,545 $ 133,000
Seattle-Bellevue-Everett, WA 11 $ 7,065,000 $ 642,272 $ 220,000
Roanoke, VA 10 $ 3,220,000 $ 322,000 $ 107,000
Winston-Salem, NC 10 $ 3,340,000 $ 334,000 $ 113,000
York-Hanover, PA 10 $ 3,180,000 $ 318,000 $ 111,000
Atlantic City-Hammonton, NJ 9 $ 2,735,000 $ 303,888 $ 223,000
Deltona-Daytona Beach-Ormond Beach, FL 9 $ 2,555,000 $ 283,888 $ 93,000
Houston-The Woodlands-Sugar Land, TX 9 $ 2,265,000 $ 251,666 $ 118,000
Cape Coral-Fort Myers, FL 8 $ 3,400,000 $ 425,000 $ 206,000
Naples-Immokalee-Marco Island, FL 8 $ 4,000,000 $ 500,000 $ 170,000
Wilmington, NC 8 $ 3,510,000 $ 438,750 $ 191,000
Bridgeport-Stamford-Norwalk, CT 7 $ 2,595,000 $ 370,714 $ 141,000
Greensboro-High Point, NC 7 $ 1,865,000 $ 266,428 $ 115,000
Greenville-Anderson-Mauldin, SC 7 $ 2,275,000 $ 325,000 $ 110,000
Homosassa Springs, FL 7 $ 1,675,000 $ 239,285 $ 69,000
Marietta, GA 7 $ 2,395,000 $ 342,142 $ 88,000
New Haven-Milford, CT 7 $ 2,895,000 $ 413,571 $ 180,000
Waterbury-Shelton, CT 7 $ 3,255,000 $ 465,000 $ 184,000
Albany, OR 6 $ 1,890,000 $ 315,000 $ 104,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 6 $ 2,040,000 $ 340,000 $ 138,000
Greenville, NC 6 $ 1,110,000 $ 185,000 $ 79,000
Ocala, FL 6 $ 1,830,000 $ 305,000 $ 102,000
Richmond, VA 6 $ 2,290,000 $ 381,666 $ 163,000
Salisbury, MD-DE 6 $ 1,560,000 $ 260,000 $ 86,000
Trenton, NJ 6 $ 2,780,000 $ 463,333 $ 144,000
Bend-Redmond, OR 5 $ 2,075,000 $ 415,000 $ 153,000
Corvallis, OR 5 $ 2,555,000 $ 511,000 $ 208,000
Dallas-Plano-Irving, TX 5 $ 2,015,000 $ 403,000 $ 153,000
Austin-Round Rock, TX 4 $ 1,190,000 $ 297,500 $ 115,000
Birmingham-Hoover, AL 4 $ 1,800,000 $ 450,000 $ 148,000
Columbia, SC 4 $ 780,000 $ 195,000 $ 55,000
Durham-Chapel Hill, NC 4 $ 1,530,000 $ 382,500 $ 119,000
Eugene, OR 4 $ 1,170,000 $ 292,500 $ 77,000
Everett, WA 4 $ 2,650,000 $ 662,500 $ 183,000
Fayetteville, NC 4 $ 1,240,000 $ 310,000 $ 123,000
Gettysburg, PA 4 $ 1,600,000 $ 400,000 $ 141,000
Miami-Miami Beach-Kendall, FL 4 $ 1,950,000 $ 487,500 $ 158,000
Palm Bay-Melbourne-Titusville, FL 4 $ 1,070,000 $ 267,500 $ 52,000
Pinehurst-Southern Pines, NC 4 $ 1,630,000 $ 407,500 $ 126,000
Rochester, MN 4 $ 1,630,000 $ 407,500 $ 121,000
Spartanburg, SC 4 $ 1,120,000 $ 280,000 $ 82,000
Bremerton-Silverdale, WA 3 $ 1,445,000 $ 481,666 $ 158,000
Charleston-North Charleston, SC 3 $ 2,015,000 $ 671,666 $ 184,000
Columbus, GA-AL 3 $ 505,000 $ 168,333 $ 52,000
Hilton Head Island-Bluffton-Beaufort, SC 3 $ 1,575,000 $ 525,000 $ 190,000
Los Angeles-Long Beach-Glendale, CA 3 $ 2,015,000 $ 671,666 $ 308,000
Macon-Bibb County, GA 3 $ 1,015,000 $ 338,333 $ 128,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 3 $ 775,000 $ 258,333 $ 129,000
Oakland-Hayward-Berkeley, CA 3 $ 2,035,000 $ 678,333 $ 146,000
Pensacola-Ferry Pass-Brent, FL 3 $ 1,165,000 $ 388,333 $ 115,000
Port St. Lucie, FL 3 $ 1,045,000 $ 348,333 $ 122,000
Pueblo, CO 3 $ 805,000 $ 268,333 $ 63,000
Punta Gorda, FL 3 $ 875,000 $ 291,666 $ 189,000
Riverside-San Bernardino-Ontario, CA 3 $ 1,305,000 $ 435,000 $ 169,000
Tucson, AZ 3 $ 995,000 $ 331,666 $ 110,000
Waco, TX 3 $ 965,000 $ 321,666 $ 120,000
Winchester, VA-WV 3 $ 1,265,000 $ 421,666 $ 154,000
Augusta-Richmond County, GA-SC 2 $ 1,030,000 $ 515,000 $ 181,000
Chambersburg-Waynesboro, PA 2 $ 520,000 $ 260,000 $ 169,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 810,000 $ 405,000 $ 99,000
El Paso, TX 2 $ 400,000 $ 200,000 $ 67,000
Fargo, ND-MN 2 $ 930,000 $ 465,000 $ 183,000
Hickory-Lenoir-Morganton, NC 2 $ 600,000 $ 300,000 $ 108,000
Kennewick-Richland, WA 2 $ 690,000 $ 345,000 $ 206,000
Lebanon, PA 2 $ 680,000 $ 340,000 $ 179,000
Longview, WA 2 $ 1,010,000 $ 505,000 $ 171,000
Lynchburg, VA 2 $ 500,000 $ 250,000 $ 75,000
Prescott Valley-Prescott, AZ 2 $ 1,000,000 $ 500,000 $ 137,000
San Diego-Carlsbad, CA 2 $ 1,740,000 $ 870,000 $ 257,000
San Jose-Sunnyvale-Santa Clara, CA 2 $ 1,690,000 $ 845,000 $ 343,000
Santa Rosa, CA 2 $ 1,520,000 $ 760,000 $ 235,000
Savannah, GA 2 $ 820,000 $ 410,000 $ 178,000
Sebastian-Vero Beach, FL 2 $ 660,000 $ 330,000 $ 138,000
Tacoma-Lakewood, WA 2 $ 1,430,000 $ 715,000 $ 371,000
Vineland-Bridgeton, NJ 2 $ 460,000 $ 230,000 $ 84,000
Yakima, WA 2 $ 440,000 $ 220,000 $ 165,000
Amherst Town-Northampton, MA 1 $ 285,000 $ 285,000 $ 109,000
Anniston-Oxford-Jacksonville, AL 1 $ 235,000 $ 235,000 $ 77,000
Athens-Clarke County, GA 1 $ 665,000 $ 665,000 $ 144,000
Boise City, ID 1 $ 765,000 $ 765,000 $ 324,000
Brunswick, GA 1 $ 545,000 $ 545,000 $ 237,000
Burlington, NC 1 $ 285,000 $ 285,000 $ 102,000
Charlottesville, VA 1 $ 215,000 $ 215,000 $ 56,000
Coeur D'Alene, ID 1 $ 535,000 $ 535,000 $ 118,000
Daphne-Fairhope-Foley, AL 1 $ 425,000 $ 425,000 $ 153,000
Flagstaff, AZ 1 $ 655,000 $ 655,000 $ 234,000
Fort Worth-Arlington, TX 1 $ 335,000 $ 335,000 $ 105,000
Gainesville, GA 1 $ 365,000 $ 365,000 $ 88,000
Grand Junction, CO 1 $ 245,000 $ 245,000 $ 49,000
Hagerstown-Martinsburg, MD-WV 1 $ 425,000 $ 425,000 $ 169,000
Idaho Falls, ID 1 $ 455,000 $ 455,000 $ 123,000
Jacksonville, NC 1 $ 375,000 $ 375,000 $ 0
Killeen-Temple, TX 1 $ 365,000 $ 365,000 $ 92,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 275,000 $ 275,000 $ 94,000
Lake Havasu City-Kingman, AZ 1 $ 355,000 $ 355,000 $ 110,000
Laredo, TX 1 $ 355,000 $ 355,000 $ 87,000
Lewiston, ID-WA 1 $ 555,000 $ 555,000 $ 190,000
Lewiston-Auburn, ME 1 $ 355,000 $ 355,000 $ 134,000
Lexington Park, MD 1 $ 555,000 $ 555,000 $ 142,000
Longview, TX 1 $ 115,000 $ 115,000 $ 38,000
Lubbock, TX 1 $ 385,000 $ 385,000 $ 91,000
Mobile, AL 1 $ 665,000 $ 665,000 $ 216,000
Norwich-New London, CT 1 $ 205,000 $ 205,000 $ 63,000
Sacramento--Roseville--Arden-Arcade, CA 1 $ 465,000 $ 465,000 $ 151,000
Stockton-Lodi, CA 1 $ 505,000 $ 505,000 $ 100,000
Sumter, SC 1 $ 75,000 $ 75,000 $ 183,000
Vallejo-Fairfield, CA 1 $ 115,000 $ 115,000 $ 131,000
Wildwood-The Villages, FL 1 $ 165,000 $ 165,000 $ 49,000
Williamsport, PA 1 $ 155,000 $ 155,000 $ 40,000

Mortgage Loan Application Detail Totals for Keystone Funding, Inc in 2025

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 3,785 $1,492,935,000 $394,000 $1,245,000 $143,000 $2,486,000
Refinancing 448 $204,840,000 $457,000 $1,085,000 $157,000 $4,056,000
Cash-out Refinancing 260 $98,200,000 $377,000 $875,000 $141,000 $753,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 2,868 $1,169,890,000 $407,000 $1,245,000 $152,000 $4,056,000
Not Provided 581 $229,135,000 $394,000 $1,085,000 $142,000 $966,000
Hispanic 432 $161,010,000 $372,000 $1,095,000 $118,000 $459,000
Black or African American 359 $121,285,000 $337,000 $1,235,000 $109,000 $641,000
Asian 230 $105,410,000 $458,000 $1,235,000 $155,000 $436,000
American Indian or Alaskan Native 16 $5,980,000 $373,000 $565,000 $117,000 $207,000
Native Hawaiian or Other Pacific Islander 7 $3,265,000 $466,000 $805,000 $145,000 $313,000
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) 2,992 $1,241,970,000 $415,000 $1,235,000 $162,000 $4,056,000
FHA-insured (Federal Housing Administration) 930 $314,470,000 $338,000 $1,235,000 $103,000 $500,000
VA-guaranteed (Veterans Administration) 526 $227,920,000 $433,000 $1,245,000 $119,000 $441,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $11,615,000 $258,000 $425,000 $85,000 $130,000

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 3,731 $1,493,045,000 $400,000 $1,245,000 $145,000 $2,486,000
Application Approved But Not Accepted 587 $237,775,000 $405,000 $1,145,000 $149,000 $4,056,000
Application Denied By Financial Institution 175 $65,155,000 $372,000 $1,235,000 $110,000 $483,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
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 4,318 $1,730,820,000 $400,000 $1,245,000 $145,000 $4,056,000
Debt-To-Income Ratio 68 $29,100,000 $427,000 $1,235,000 $95,000 $329,000
Collateral 35 $11,665,000 $333,000 $775,000 $117,000 $313,000
Credit History 30 $9,880,000 $329,000 $605,000 $119,000 $483,000
Unverifiable Information 18 $6,170,000 $342,000 $815,000 $143,000 $304,000
Employment History 10 $3,070,000 $307,000 $415,000 $72,000 $100,000
Other 9 $3,535,000 $392,000 $715,000 $131,000 $290,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,220,000 $305,000 $425,000 $119,000 $213,000
Credit Application Incomplete 1 $515,000 $515,000 $515,000 $130,000 $130,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Funding, Inc's 2025 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.
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