Keystone Funding
We analyzed every closed loan from Keystone Funding — 2.6k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 44 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Explore another lender or local market
Report Card
Keystone Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.3 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,662 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
FHA
700 loans · 0.44% above market
Exceptional
Top 20% of lenders
5/5
VA
234 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
USDA
34 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,383 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
Refinance
249 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 45 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,662 | 63.1% | +0.343%Above | $2,377Fees | ||||
FHA Loans | 700 | 26.6% | +0.438%Above | $2,706Fees | ||||
VA Loans | 234 | 8.9% | -0.345%Below | $1,958Fees | ||||
USDA Loans | — | 34 | 1.3% | +0.159%Above | $1,996Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,662
Mix63.1%
Spread
+0.343%Above
Fees
$2,377Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume700
Mix26.6%
Spread
+0.438%Above
Fees
$2,706Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume234
Mix8.9%
Spread
-0.345%Below
Fees
$1,958Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume34
Mix1.3%
Spread
+0.159%Above
Fees
$1,996Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,383 | 90.5% | +0.337%Above | $2,507Fees | ||||
Refinance | 249 | 9.5% | +0.205%Above | $1,815Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume2,383
Mix90.5%
Spread
+0.337%Above
Fees
$2,507Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume249
Mix9.5%
Spread
+0.205%Above
Fees
$1,815Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,632
Applications
3,194
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.323%
vs. market APOR
Avg Net Fees
$2,437
Origination − Credits
Pullthrough Rate
82.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$388,735
Avg Borrower Income
$147,696
Avg Property Value
$483,245
Geographic Coverage
Geographic Performance
Metro Areas
44
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
24Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast7
CTMEMANHNJPARI
South11
ALDCDEFLGAMDNCSCTXVAWV
West6
AZCACOIDORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 44 metro areas
Top States by Place Specialization Score
Showing 10 of 20 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.