Keystone Funding in Massachusetts vs the state
4.6%Denial rate-11.64 pts vs state
4.6%Decision denial rate-15.38 pts vs state
88.1%Origination rate+25.53 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$140kMedian applicant income
193Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 106 | 7.3% | 6.75% | #186 |
| 2024 | 205 | 177 | 4.9% | 6.63% | #147 |
| 2025 | 219 | 193 | 4.6% | 6.49% | #151 |
What Keystone Funding lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 41 | 38 | 3 | 7.3% |
| Barnstable County | 35 | 31 | 1 | 2.9% |
| Essex County | 29 | 29 | 0 | 0.0% |
| Worcester County | 27 | 23 | 3 | 11.1% |
| Plymouth County | 19 | 17 | 0 | 0.0% |
| Bristol County | 18 | 16 | 0 | 0.0% |
| Hampden County | 16 | 13 | 0 | 0.0% |
| Norfolk County | 15 | 13 | 1 | 6.7% |
| Suffolk County | 14 | 9 | 2 | 14.3% |
| Franklin County | 4 | 3 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 219 applications in 2025, of which 193 were originated and 10 denied.
4.6% of all applications, or 4.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Keystone Funding originated in Massachusetts in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology