The Mortgage Record
Lender report card · New Jersey

Keystone Funding, Inc

Dover, DE · What the federal mortgage record shows about how Keystone Funding, Inc treated New Jersey applicants, 2018–2025 — 1,274 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
94.8%
1,208 approved
Denial rate
5.2%
66 denied
Decisions
1,274
2018–2025
Avg. rate spread
+0.33 pp
vs. market benchmark
94.8% approved
5.2% denied

Share of 1,274 New Jersey applications Keystone Funding, Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.7% of 886 · NJ 87%FHA89.4% of 330 · NJ 79%VA100.0% of 49 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

88%91%94%97%100%99%97%94%93%92%20212022202320242025

Pricing

Adjusting for its loan-type mix, Keystone Funding, Inc’s rates ran -0.05 pp lower than the typical New Jersey lender (average rate spread +0.33 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Keystone Funding, Inc approves

By income
Under $50k88.6% · 35$50–75k86.3% · 102$75–100k94.3% · 212$100–150k95.8% · 401$150–250k96.8% · 371$250k+95.4% · 152
By debt-to-income
Under 36%98.8% · 40236–43%97.2% · 28143–50%96.5% · 400Over 50%79.3% · 184
By down payment (LTV)
20%+ down97.5% · 63110–20% down96.4% · 1925–10% down91.1% · 1923–5% down90.7% · 216Under 3% down88.1% · 42

Why Keystone Funding, Inc denied applications

Debt-to-income ratio48% of denialsCollateral (value/type)21% of denialsCredit history14% of denialsEmployment history12% of denialsUnverifiable information12% of denialsOther6% of denials

Where Keystone Funding, Inc lends in NJ

CountyDecisionsApproval
Burlington County13896.4%
Camden County13596.3%
Middlesex County10099.0%
Essex County9988.9%
Union County8889.8%
Gloucester County7794.8%
Bergen County7797.4%
Cape May County6897.1%

Fees & closing costs

Median total loan costs
$11,614
home purchase
As % of loan
3.08%
NJ median 1.93%
Priced originations
704
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Keystone Funding, Inc’s home-purchase originations — 1.14 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $5,095. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Keystone Funding, Inc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Keystone Funding, Inc (LEI 5493002GI63WHHUTUD85). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →