Purchase Originations
2,955
Ranked #162 nationally
Median Total Costs
$9,306
+39.3% vs national ($6,680)
↓ $810 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$3,316
Median Lender Credits
$4,171
Cost Rank (500+ vol.)
#516
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,938 | 6.625% | $7,633 | $3,954 |
| fha | 604 | 6.250% | $12,834 | $3,128 |
| va | 383 | 6.125% | $9,423 | $1,995 |
| usda | 30 | 6.125% | $7,401 | $2,111 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 833 | 6.500% | $9,415 | #26 |
| Delaware | 500 | 6.250% | $11,041 | #3 |
| Colorado | 361 | 6.250% | $8,308 | #43 |
| Maryland | 149 | 6.500% | $10,227 | #77 |
| New Hampshire | 139 | 6.500% | $4,426 | #21 |
| North Carolina | 136 | 6.250% | $8,430 | #130 |
| Massachusetts | 135 | 6.500% | $6,004 | #71 |
| New Jersey | 134 | 6.500% | $11,840 | #84 |
| Florida | 133 | 6.375% | $10,856 | #198 |
| Virginia | 80 | 6.500% | $11,759 | #143 |
| Georgia | 68 | 6.250% | $8,298 | #173 |
| Oregon | 47 | 6.490% | $6,545 | — |
| Texas | 36 | 6.312% | $10,170 | — |
| Alabama | 29 | 6.375% | $6,835 | — |
| Arizona | 25 | 6.500% | $9,426 | — |
| Connecticut | 22 | 6.500% | $10,164 | — |
| Tennessee | 22 | 6.433% | $11,533 | — |
| Maine | 21 | 6.375% | $4,301 | — |
| South Carolina | 20 | 6.438% | $9,968 | — |
| North Dakota | 17 | 6.250% | $3,050 | — |
| Washington | 17 | 6.625% | $10,209 | — |
| California | 13 | 6.500% | $9,060 | — |
| District of Columbia | 6 | 6.500% | $16,135 | — |
| Minnesota | 5 | 6.625% | $9,466 | — |
| Idaho | 4 | 6.562% | $5,301 | — |
| Rhode Island | 2 | 6.490% | $7,270 | — |
| Montana | 1 | 7.250% | $6,637 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,366 | 6.490% | — | 60 | −$4,940 | |
| 2 | $4,422 | 6.250% | — | 39 | −$4,884 | |
| 3 | $5,289 | 6.625% | — | 29 | −$4,017 | |
| 4 | $5,537 | 6.375% | — | 59 | −$3,769 | |
| 5 | $6,748 | 6.562% | — | 34 | −$2,558 | |
| 6 | $6,767 | 6.625% | — | 91 | −$2,539 | |
| 7 | $7,543 | 6.625% | — | 39 | −$1,763 | |
| 8 | $8,240 | 6.500% | — | 31 | −$1,066 | |
| 9 | $8,952 | 6.312% | — | 32 | −$354 | |
| 10 | $9,063 | 6.562% | — | 90 | −$243 | |
| 11 | $9,110 | 6.375% | — | 84 | −$196 | |
| 12 | $9,154 | 6.433% | — | 66 | −$152 | |
| 13 | $9,545 | 6.125% | — | 47 | +$239 | |
| 14 | $9,697 | 6.500% | — | 29 | +$391 | |
| 15 | $10,047 | 6.375% | — | 194 | +$741 | |
| 16 | $10,665 | 6.250% | — | 116 | +$1,359 | |
| 17 | $10,724 | 6.375% | — | 139 | +$1,418 | |
| 18 | $11,207 | 6.500% | — | 162 | +$1,901 | |
| 19 | $11,696 | 6.250% | — | 190 | +$2,390 | |
| 20 | $13,088 | 6.375% | — | 82 | +$3,782 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Keystone Funding, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $9,306 | $7,127 | +$2,179 (+30.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.