Keystone Funding in Pennsylvania vs the state
2.2%Denial rate-16.06 pts vs state
2.2%Decision denial rate-19.98 pts vs state
87.4%Origination rate+26.40 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$125kMedian applicant income
1,057Loans originated
27Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 645 | 511 | 2.6% | 6.63% | #110 |
| 2024 | 661 | 582 | 3.3% | 6.63% | #112 |
| 2025 | 1,210 | 1,057 | 2.2% | 6.50% | #78 |
What Keystone Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chester County | 218 | 183 | 4 | 1.8% |
| Montgomery County | 179 | 163 | 4 | 2.2% |
| Delaware County | 125 | 107 | 3 | 2.4% |
| Bucks County | 118 | 104 | 3 | 2.5% |
| Northampton County | 115 | 111 | 2 | 1.7% |
| Philadelphia County | 100 | 81 | 5 | 5.0% |
| Monroe County | 63 | 53 | 1 | 1.6% |
| Lehigh County | 57 | 51 | 0 | 0.0% |
| Berks County | 31 | 26 | 3 | 9.7% |
| Lackawanna County | 22 | 19 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,210 applications in 2025, of which 1,057 were originated and 27 denied.
2.2% of all applications, or 2.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Keystone Funding originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology