Keystone Funding in Delaware vs the state
4.5%Denial rate-13.68 pts vs state
4.5%Decision denial rate-18.25 pts vs state
84.7%Origination rate+25.49 pts vs state
6.25%Median rate-0.38 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$89kMedian applicant income
586Loans originated
31Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 275 | 221 | 6.2% | 6.63% | #37 |
| 2024 | 524 | 434 | 5.2% | 6.38% | #24 |
| 2025 | 692 | 586 | 4.5% | 6.25% | #19 |
What Keystone Funding lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 255 | 219 | 6 | 2.4% |
| Kent County | 241 | 210 | 10 | 4.1% |
| Sussex County | 172 | 135 | 13 | 7.6% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 692 applications in 2025, of which 586 were originated and 31 denied.
4.5% of all applications, or 4.5% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Keystone Funding originated in Delaware in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology