Keystone Funding in North Carolina vs the state
2.4%Denial rate-15.67 pts vs state
2.4%Decision denial rate-20.43 pts vs state
84.2%Origination rate+26.40 pts vs state
6.25%Median rate-0.25 pts vs state
0.10Rate spread (pts)+0.01 pts vs state
$104kMedian applicant income
176Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 53 | 2.8% | 6.13% | #326 |
| 2024 | 111 | 94 | 4.5% | 6.38% | #291 |
| 2025 | 209 | 176 | 2.4% | 6.25% | #228 |
What Keystone Funding lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nash County | 37 | 33 | 2 | 5.4% |
| Mecklenburg County | 15 | 10 | 0 | 0.0% |
| Harnett County | 15 | 14 | 1 | 6.7% |
| Edgecombe County | 10 | 9 | 0 | 0.0% |
| Wake County | 9 | 7 | 0 | 0.0% |
| Currituck County | 7 | 7 | 0 | 0.0% |
| Pitt County | 6 | 6 | 0 | 0.0% |
| Forsyth County | 5 | 4 | 0 | 0.0% |
| Wilson County | 5 | 4 | 0 | 0.0% |
| Brunswick County | 5 | 5 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 209 applications in 2025, of which 176 were originated and 5 denied.
2.4% of all applications, or 2.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Keystone Funding originated in North Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology