Keystone Funding, Inc NMLS #144760
At a glance
- HeadquartersDover, DE
- Size3,731 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in22 states
- Formed in2011
2025 figures are for KEYSTONE FUNDING, INC.'s filing.
What it closes
Share of its 2025 home loans: 68% Conventional, 19% FHA, 12% VA and 1% Other types.
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Who is Keystone Funding, Inc?
Keystone Funding, Inc (NMLS #144760) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Keystone Funding, Inc legit?
Here's what public licensing records show. Keystone Funding, Inc holds mortgage licenses in 22 states, including Arizona, Colorado, Connecticut, District of Columbia, Florida (NMLS ID #144760, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerKeystone Funding, Inc
- NMLS #144760
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Keystone Funding, Inc
Overview
Keystone Funding, Inc is a residential mortgage company that provides home loan information and financing through loan officers. The company uses the Loanzify App to guide mortgage financing and connect borrowers directly with a loan officer and realtor.
Mortgage options
Mortgage options include home purchase loans and refinance options, including cash-out refinancing and refinancing aimed at changing payment or payoff terms. The company's loan-program information includes fixed-rate mortgages, adjustable-rate mortgages, interest-only mortgages, conventional loans, and VA loans.
Locations
Keystone Funding, Inc has 18 branches in Arizona, Delaware, Maryland, North Carolina, New Jersey, Pennsylvania, and Virginia.
Company details and licensing
Keystone Funding, Inc is a Delaware corporation formed on January 4, 2011. Trade names include GOTeHomeLoans, Inc., Rock Rates, and Keystone Funding Group. The company is headquartered at 519 S Red Haven Lane, Dover, Delaware 19901. Its NMLS company ID is 144760.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #144760 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asKEYSTONE FUNDING, INC.
- 2025 home loan decisionsOf 4,493 applications decided by KEYSTONE FUNDING, INC. in 2025, 3,731 were originated, 587 were approved but not accepted by the borrower, and 175 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 96.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 0 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.151 percentage points above the average prime offer rate (reported on 3,729 originations, 2 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$9,052.62 — originated closed-end household loans, 2025, 3,731 loans. FFIEC HMDA data browser.
- Median origination charges$3,487.95 — originated closed-end household loans, 2025, 3,731 loans. FFIEC HMDA data browser.
- Median lender credits$4,197.56 — originated closed-end household loans, 2025, 1,973 of 3,731 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types2,533 Conventional, 712 FHA, 454 VA, 32 USDA — of 3,731 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for KEYSTONE FUNDING, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Keystone Funding, Inc legit?
Here's what public licensing records show. Keystone Funding, Inc holds mortgage licenses in 22 states, including Arizona, Colorado, Connecticut, District of Columbia, Florida (NMLS ID #144760, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Keystone Funding, Inc's NMLS number?
Keystone Funding, Inc's NMLS number is 144760. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Keystone Funding, Inc's NMLS ID?
Yes. We checked Keystone Funding, Inc's company name and NMLS ID against the NMLS record on October 10, 2026. They've been in our lender network since May 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Keystone Funding, Inc?
This page has Keystone Funding, Inc's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.