KEYSTONE FUNDING, INC.
3,731 mortgages originated in 2025 across 12 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,731
- Median rate
- 6.490%
- Median lender fees
- $9,053
- Median loan amount
- $375,000
- Median spread over APOR
- 0.151
- Paid discount points
- 42.7%
- Received lender credits
- 52.9%
- Purchases / refinances
- 85.2% / 14.8%
- Conventional / FHA / VA
- 67.9% / 19.1% / 12.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.
Where KEYSTONE FUNDING, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 1,057 | $9,189 | 6.500% |
| Delaware | 586 | $10,393 | 6.250% |
| Colorado | 489 | $8,423 | 6.250% |
| Massachusetts | 193 | $6,053 | 6.490% |
| New Hampshire | 189 | $4,609 | 6.500% |
| Maryland | 181 | $9,940 | 6.490% |
| North Carolina | 176 | $7,880 | 6.250% |
| New Jersey | 171 | $11,324 | 6.500% |
| Florida | 150 | $10,871 | 6.375% |
| Virginia | 97 | $11,510 | 6.500% |
| Georgia | 80 | $8,135 | 6.250% |
| Oregon | 58 | $7,448 | 6.490% |