Keystone Funding in Virginia vs the state
1.8%Denial rate-14.14 pts vs state
1.8%Decision denial rate-18.45 pts vs state
87.4%Origination rate+27.87 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)+0.01 pts vs state
$145kMedian applicant income
97Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 78 | 1.0% | 6.63% | #269 |
| 2024 | 72 | 56 | 8.3% | 6.63% | #318 |
| 2025 | 111 | 97 | 1.8% | 6.50% | #280 |
What Keystone Funding lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 17 | 14 | 0 | 0.0% |
| Loudoun County | 16 | 13 | 2 | 12.5% |
| Fairfax County | 14 | 14 | 0 | 0.0% |
| Spotsylvania County | 5 | 5 | 0 | 0.0% |
| Stafford County | 4 | 4 | 0 | 0.0% |
| Roanoke County | 4 | 4 | 0 | 0.0% |
| Fauquier County | 4 | 4 | 0 | 0.0% |
| Frederick County | 3 | 3 | 0 | 0.0% |
| Roanoke city | 3 | 3 | 0 | 0.0% |
| Chesterfield County | 3 | 2 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 111 applications in 2025, of which 97 were originated and 2 denied.
1.8% of all applications, or 1.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Keystone Funding originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology