Keystone Funding, Inc Mortgage Lending & HMDA Data, 2024
In 2024, Keystone Funding, Inc of Dover, DE reported 3,307 mortgage applications totaling $1.3 billion, up 29% from 2023. The average application was for $385,598, and applicants reported an average income of $142,693. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (323), Denver-Aurora-Lakewood, CO (245) and Dover, DE (217) (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 | 3,307 |
| Total Mortgage Loan Application Amount | $1,275,175,000 |
| Average Mortgage Loan Application Amount | $385,598 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $142,693 |
| Highest Applicant Income | $2,000,000 |
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(HMDA) records Keystone Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 370 | $ 117,190,000 | $ 316,729 | $ 123,543 |
| Montgomery County-Bucks County-Chester County, PA | 323 | $ 131,695,000 | $ 407,724 | $ 158,000 |
| Denver-Aurora-Lakewood, CO | 245 | $ 126,015,000 | $ 514,346 | $ 179,000 |
| Dover, DE | 217 | $ 71,775,000 | $ 330,760 | $ 102,000 |
| Wilmington, DE-MD-NJ | 212 | $ 73,960,000 | $ 348,867 | $ 119,669 |
| Philadelphia, PA | 182 | $ 59,650,000 | $ 327,747 | $ 143,000 |
| Baltimore-Columbia-Towson, MD | 96 | $ 36,370,000 | $ 378,854 | $ 140,000 |
| Tampa, FL | 93 | $ 32,225,000 | $ 346,505 | $ 128,000 |
| Manchester-Nashua, NH | 76 | $ 29,780,000 | $ 391,842 | $ 160,000 |
| Newark, NJ-PA | 64 | $ 33,510,000 | $ 523,593 | $ 176,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 63 | $ 19,125,000 | $ 303,571 | $ 134,000 |
| Rockingham County-Strafford County, NH | 63 | $ 31,485,000 | $ 499,761 | $ 180,000 |
| Cambridge-Newton-Framingham, MA | 60 | $ 29,400,000 | $ 490,000 | $ 171,000 |
| Rocky Mount, NC | 57 | $ 12,935,000 | $ 226,929 | $ 81,000 |
| Camden, NJ | 56 | $ 19,820,000 | $ 353,928 | $ 150,000 |
| Boston, MA | 53 | $ 27,325,000 | $ 515,566 | $ 156,000 |
| Lakewood-New Brunswick, NJ | 47 | $ 22,145,000 | $ 471,170 | $ 173,000 |
| Jacksonville, FL | 42 | $ 13,980,000 | $ 332,857 | $ 117,000 |
| Orlando-Kissimmee-Sanford, FL | 42 | $ 17,340,000 | $ 412,857 | $ 144,000 |
| San Antonio-New Braunfels, TX | 40 | $ 11,990,000 | $ 299,750 | $ 101,000 |
| Boulder, CO | 35 | $ 17,865,000 | $ 510,428 | $ 198,000 |
| Phoenix-Mesa-Scottsdale, AZ | 35 | $ 14,125,000 | $ 403,571 | $ 203,000 |
| New York-Jersey City-White Plains, NY-NJ | 33 | $ 18,405,000 | $ 557,727 | $ 184,000 |
| Atlanta-Sandy Springs-Roswell, GA | 31 | $ 10,315,000 | $ 332,741 | $ 135,000 |
| St. Petersburg-Clearwater-Largo, FL | 27 | $ 10,005,000 | $ 370,555 | $ 153,000 |
| Worcester, MA-CT | 27 | $ 10,165,000 | $ 376,481 | $ 119,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 9,090,000 | $ 378,750 | $ 128,666 |
| Barnstable Town, MA | 23 | $ 10,895,000 | $ 473,695 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 8,925,000 | $ 388,043 | $ 121,000 |
| Reading, PA | 23 | $ 7,775,000 | $ 338,043 | $ 130,000 |
| Auburn-Opelika, AL | 21 | $ 7,735,000 | $ 368,333 | $ 117,000 |
| Colorado Springs, CO | 21 | $ 9,825,000 | $ 467,857 | $ 122,000 |
| Greeley, CO | 21 | $ 8,735,000 | $ 415,952 | $ 141,000 |
| Arlington-Alexandria-Reston, VA-WV | 20 | $ 9,540,000 | $ 477,000 | $ 170,650 |
| Fort Collins, CO | 19 | $ 9,275,000 | $ 488,157 | $ 253,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 9,075,000 | $ 477,631 | $ 172,684 |
| Springfield, MA | 19 | $ 5,585,000 | $ 293,947 | $ 112,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 6,830,000 | $ 379,444 | $ 117,000 |
| Providence-Warwick, RI-MA | 18 | $ 7,700,000 | $ 427,777 | $ 156,777 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 8,065,000 | $ 474,411 | $ 176,000 |
| Lakeland-Winter Haven, FL | 16 | $ 4,760,000 | $ 297,500 | $ 99,000 |
| Trenton, NJ | 16 | $ 5,650,000 | $ 353,125 | $ 118,000 |
| Charlotte-Concord-Gastonia, NC-SC | 15 | $ 6,035,000 | $ 402,333 | $ 140,200 |
| Harrisburg-Carlisle, PA | 15 | $ 4,805,000 | $ 320,333 | $ 140,000 |
| Portland-South Portland, ME | 14 | $ 6,030,000 | $ 430,714 | $ 176,000 |
| Washington, DC-MD | 14 | $ 6,130,000 | $ 437,857 | $ 164,142 |
| Washington-Baltimore-Arlington, DC | 13 | $ 6,305,000 | $ 485,000 | $ 183,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 4,810,000 | $ 400,833 | $ 121,000 |
| Ocala, FL | 11 | $ 2,585,000 | $ 235,000 | $ 85,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 3,200,000 | $ 320,000 | $ 111,000 |
| Lancaster, PA | 10 | $ 2,720,000 | $ 272,000 | $ 137,000 |
| Salem, OR | 10 | $ 4,160,000 | $ 416,000 | $ 149,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 3,575,000 | $ 397,222 | $ 235,000 |
| Naples-Immokalee-Marco Island, FL | 9 | $ 3,645,000 | $ 405,000 | $ 166,000 |
| Albany, OR | 7 | $ 2,785,000 | $ 397,857 | $ 160,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 2,015,000 | $ 287,857 | $ 112,000 |
| Marietta, GA | 7 | $ 3,095,000 | $ 442,142 | $ 138,000 |
| Salisbury, MD-DE | 7 | $ 1,785,000 | $ 255,000 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 4,195,000 | $ 599,285 | $ 174,000 |
| Warner Robins, GA | 7 | $ 1,955,000 | $ 279,285 | $ 76,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 3,050,000 | $ 508,333 | $ 336,000 |
| Everett, WA | 6 | $ 2,940,000 | $ 490,000 | $ 184,000 |
| Punta Gorda, FL | 6 | $ 1,540,000 | $ 256,666 | $ 113,000 |
| Roanoke, VA | 6 | $ 1,680,000 | $ 280,000 | $ 130,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 6 | $ 1,360,000 | $ 226,666 | $ 106,000 |
| York-Hanover, PA | 6 | $ 1,710,000 | $ 285,000 | $ 136,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,315,000 | $ 463,000 | $ 127,000 |
| Corvallis, OR | 5 | $ 2,365,000 | $ 473,000 | $ 237,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 2,365,000 | $ 473,000 | $ 216,000 |
| Richmond, VA | 5 | $ 1,105,000 | $ 221,000 | $ 158,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,185,000 | $ 437,000 | $ 119,000 |
| Winston-Salem, NC | 5 | $ 1,225,000 | $ 245,000 | $ 114,000 |
| Columbus, GA-AL | 4 | $ 940,000 | $ 235,000 | $ 112,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,110,000 | $ 527,500 | $ 175,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,090,000 | $ 272,500 | $ 86,500 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,410,000 | $ 352,500 | $ 126,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,180,000 | $ 295,000 | $ 71,000 |
| Lynchburg, VA | 4 | $ 1,440,000 | $ 360,000 | $ 238,000 |
| Raleigh, NC | 4 | $ 1,580,000 | $ 395,000 | $ 159,000 |
| Spartanburg, SC | 4 | $ 1,100,000 | $ 275,000 | $ 80,000 |
| Wildwood-The Villages, FL | 4 | $ 1,600,000 | $ 400,000 | $ 274,000 |
| Columbia, SC | 3 | $ 1,195,000 | $ 398,333 | $ 112,000 |
| Erie, PA | 3 | $ 325,000 | $ 108,333 | $ 47,000 |
| Greensboro-High Point, NC | 3 | $ 545,000 | $ 181,666 | $ 53,000 |
| Jacksonville, NC | 3 | $ 1,175,000 | $ 391,666 | $ 171,000 |
| Macon-Bibb County, GA | 3 | $ 785,000 | $ 261,666 | $ 88,000 |
| Montgomery, AL | 3 | $ 1,015,000 | $ 338,333 | $ 93,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 625,000 | $ 208,333 | $ 141,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,405,000 | $ 468,333 | $ 171,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 955,000 | $ 318,333 | $ 106,000 |
| Pittsburgh, PA | 3 | $ 865,000 | $ 288,333 | $ 183,000 |
| Port St. Lucie, FL | 3 | $ 1,575,000 | $ 525,000 | $ 194,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,145,000 | $ 715,000 | $ 225,000 |
| Savannah, GA | 3 | $ 935,000 | $ 311,666 | $ 86,000 |
| Stockton-Lodi, CA | 3 | $ 1,415,000 | $ 471,666 | $ 137,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,925,000 | $ 641,666 | $ 159,000 |
| Tucson, AZ | 3 | $ 825,000 | $ 275,000 | $ 113,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,715,000 | $ 571,666 | $ 167,000 |
| Waterbury-Shelton, CT | 3 | $ 805,000 | $ 268,333 | $ 139,000 |
| Birmingham-Hoover, AL | 2 | $ 340,000 | $ 170,000 | $ 326,000 |
| Hinesville, GA | 2 | $ 640,000 | $ 320,000 | $ 31,000 |
| Homosassa Springs, FL | 2 | $ 280,000 | $ 140,000 | $ 57,000 |
| Huntsville, AL | 2 | $ 520,000 | $ 260,000 | $ 96,000 |
| Kennewick-Richland, WA | 2 | $ 760,000 | $ 380,000 | $ 171,000 |
| Modesto, CA | 2 | $ 740,000 | $ 370,000 | $ 78,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 760,000 | $ 380,000 | $ 107,000 |
| Panama City, FL | 2 | $ 820,000 | $ 410,000 | $ 140,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,420,000 | $ 710,000 | $ 233,000 |
| Sebring, FL | 2 | $ 500,000 | $ 250,000 | $ 91,000 |
| Altoona, PA | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| Amherst Town-Northampton, MA | 1 | $ 355,000 | $ 355,000 | $ 104,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Austin-Round Rock, TX | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Bangor, ME | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Bremerton-Silverdale, WA | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| Brunswick, GA | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 335,000 | $ 335,000 | $ 127,000 |
| Charlottesville, VA | 1 | $ 365,000 | $ 365,000 | $ 136,000 |
| College Station-Bryan, TX | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 495,000 | $ 495,000 | $ 175,000 |
| Dothan, AL | 1 | $ 395,000 | $ 395,000 | $ 72,000 |
| Eugene, OR | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Fayetteville, NC | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Florence, SC | 1 | $ 315,000 | $ 315,000 | $ 65,000 |
| Fort Worth-Arlington, TX | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Gainesville, GA | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Grand Junction, CO | 1 | $ 365,000 | $ 365,000 | $ 75,000 |
| Greenville, NC | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Knoxville, TN | 1 | $ 195,000 | $ 195,000 | $ 87,000 |
| Laredo, TX | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Lexington Park, MD | 1 | $ 475,000 | $ 475,000 | $ 161,000 |
| Longview, WA | 1 | $ 385,000 | $ 385,000 | $ 142,000 |
| Memphis, TN-MS-AR | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 525,000 | $ 525,000 | $ 152,000 |
| New Haven-Milford, CT | 1 | $ 765,000 | $ 765,000 | $ 251,000 |
| Norwich-New London, CT | 1 | $ 505,000 | $ 505,000 | $ 180,000 |
| Pittsfield, MA | 1 | $ 525,000 | $ 525,000 | $ 144,000 |
| Redding, CA | 1 | $ 445,000 | $ 445,000 | $ 155,000 |
| Rome, GA | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 495,000 | $ 495,000 | $ 143,000 |
| Sebastian-Vero Beach, FL | 1 | $ 765,000 | $ 765,000 | $ 212,000 |
| Spokane-Spokane Valley, WA | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| State College, PA | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Tallahassee, FL | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Tuscaloosa, AL | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Vineland-Bridgeton, NJ | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Wilmington, NC | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Winchester, VA-WV | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Keystone Funding, Inc in 2024
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 | 2,950 | $1,129,860,000 | $383,000 | $1,125,000 | $143,000 | $2,000,000 |
| Refinancing | 180 | $80,970,000 | $449,000 | $765,000 | $142,000 | $616,000 |
| Cash-out Refinancing | 176 | $64,090,000 | $364,000 | $985,000 | $138,000 | $918,000 |
| Other Purpose | 1 | $255,000 | $255,000 | $255,000 | $190,000 | $190,000 |
| 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 | 1,889 | $740,855,000 | $392,000 | $995,000 | $150,000 | $1,393,000 |
| Not Provided | 534 | $205,750,000 | $385,000 | $1,125,000 | $142,000 | $2,000,000 |
| Hispanic | 386 | $141,790,000 | $367,000 | $855,000 | $118,000 | $954,000 |
| Black or African American | 318 | $113,680,000 | $357,000 | $965,000 | $117,000 | $547,000 |
| Asian | 162 | $66,510,000 | $410,000 | $765,000 | $163,000 | $413,000 |
| American Indian or Alaskan Native | 14 | $5,000,000 | $357,000 | $665,000 | $139,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,590,000 | $397,000 | $755,000 | $123,000 | $250,000 |
| 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) | 1,993 | $806,155,000 | $404,000 | $1,095,000 | $167,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 955 | $330,275,000 | $345,000 | $1,125,000 | $104,000 | $547,000 |
| VA-guaranteed (Veterans Administration) | 303 | $125,145,000 | $413,000 | $995,000 | $113,000 | $553,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $13,600,000 | $242,000 | $405,000 | $76,000 | $128,000 |
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 | 2,715 | $1,048,155,000 | $386,000 | $995,000 | $146,000 | $2,000,000 |
| Application Approved But Not Accepted | 418 | $166,890,000 | $399,000 | $965,000 | $139,000 | $1,393,000 |
| Application Denied By Financial Institution | 174 | $60,130,000 | $345,000 | $1,125,000 | $103,000 | $954,000 |
| 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 | 3,133 | $1,215,045,000 | $387,000 | $995,000 | $145,000 | $2,000,000 |
| Debt-To-Income Ratio | 79 | $27,905,000 | $353,000 | $1,125,000 | $78,000 | $228,000 |
| Collateral | 36 | $11,760,000 | $326,000 | $765,000 | $125,000 | $305,000 |
| Credit History | 34 | $9,560,000 | $281,000 | $635,000 | $102,000 | $375,000 |
| Unverifiable Information | 9 | $3,505,000 | $389,000 | $685,000 | $111,000 | $225,000 |
| Other | 7 | $2,395,000 | $342,000 | $625,000 | $221,000 | $954,000 |
| Employment History | 4 | $2,200,000 | $550,000 | $605,000 | $130,000 | $238,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,710,000 | $427,000 | $635,000 | $117,000 | $166,000 |
| Credit Application Incomplete | 1 | $1,095,000 | $1,095,000 | $1,095,000 | $227,000 | $227,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Funding, Inc's 2024 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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