Keystone Funding, Inc Mortgage Lending & HMDA Data, 2018
In 2018, Keystone Funding, Inc of Dover, DE reported 376 mortgage applications totaling $90.6 million. The average application was for $241,010, and applicants reported an average income of $106,398. 63% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Dover, DE (125), Montgomery County-Bucks County-Chester County, PA (69) and Wilmington, DE-MD-NJ (63) (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 | 376 |
| Total Mortgage Loan Application Amount | $90,620,000 |
| Average Mortgage Loan Application Amount | $241,010 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $106,398 |
| Highest Applicant Income | $1,386,000 |
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(HMDA) records Keystone Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Keystone Funding, Inc in 2018
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 | 344 | $83,490,000 | $242,000 | $615,000 | $101,000 | $442,000 |
| Cash-out Refinancing | 18 | $4,410,000 | $245,000 | $555,000 | $206,000 | $1,386,000 |
| Refinancing | 14 | $2,720,000 | $194,000 | $695,000 | $111,000 | $316,000 |
| 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 | 273 | $65,445,000 | $239,000 | $695,000 | $109,000 | $1,386,000 |
| Black or African American | 45 | $10,675,000 | $237,000 | $515,000 | $94,000 | $250,000 |
| Not Provided | 27 | $6,345,000 | $235,000 | $515,000 | $88,000 | $180,000 |
| Hispanic | 20 | $5,430,000 | $271,000 | $615,000 | $113,000 | $350,000 |
| Asian | 11 | $2,725,000 | $247,000 | $385,000 | $113,000 | $142,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 257 | $64,345,000 | $250,000 | $695,000 | $120,000 | $1,386,000 |
| FHA-insured (Federal Housing Administration) | 75 | $15,875,000 | $211,000 | $395,000 | $75,000 | $199,000 |
| VA-guaranteed (Veterans Administration) | 36 | $8,820,000 | $245,000 | $375,000 | $83,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,580,000 | $197,000 | $255,000 | $61,000 | $79,000 |
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 | 238 | $54,830,000 | $230,000 | $615,000 | $99,000 | $442,000 |
| Application Withdrawn By Applicant | 109 | $28,715,000 | $263,000 | $695,000 | $126,000 | $1,386,000 |
| Application Approved But Not Accepted | 19 | $4,805,000 | $252,000 | $395,000 | $96,000 | $250,000 |
| Application Denied By Financial Institution | 10 | $2,270,000 | $227,000 | $365,000 | $80,000 | $139,000 |
| 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 | 366 | $88,350,000 | $241,000 | $695,000 | $107,000 | $1,386,000 |
| Debt-To-Income Ratio | 4 | $850,000 | $212,000 | $295,000 | $67,000 | $130,000 |
| Other | 3 | $695,000 | $231,000 | $255,000 | $73,000 | $82,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $95,000 | $95,000 |
| Credit History | 1 | $365,000 | $365,000 | $365,000 | $139,000 | $139,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $84,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Funding, Inc's 2018 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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