Keystone Funding in Florida vs the state
9.8%Denial rate-11.29 pts vs state
9.8%Decision denial rate-17.47 pts vs state
69.8%Origination rate+17.08 pts vs state
6.38%Median rate-0.25 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$111kMedian applicant income
150Loans originated
21Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 404 | 270 | 6.9% | 6.63% | #264 |
| 2024 | 344 | 259 | 9.0% | 6.63% | #292 |
| 2025 | 215 | 150 | 9.8% | 6.38% | #356 |
What Keystone Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 23 | 16 | 1 | 4.3% |
| Pasco County | 21 | 14 | 4 | 19.0% |
| Pinellas County | 14 | 12 | 0 | 0.0% |
| Palm Beach County | 12 | 11 | 0 | 0.0% |
| Hernando County | 11 | 9 | 1 | 9.1% |
| Polk County | 11 | 6 | 1 | 9.1% |
| Orange County | 10 | 5 | 3 | 30.0% |
| Duval County | 9 | 8 | 0 | 0.0% |
| Volusia County | 9 | 7 | 1 | 11.1% |
| Manatee County | 8 | 3 | 1 | 12.5% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 215 applications in 2025, of which 150 were originated and 21 denied.
9.8% of all applications, or 9.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Keystone Funding originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology