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NMLS #XXXXXXX · Equal Housing Opportunity

(215) 555-0145Pre-qualify

Loan programs

See all 16 programs

Six purchase programs, each underwritten in our Center City office rather than sold to an out-of-state desk.

Brick front steps of a Philadelphia row homeCompare all purchase programs

Rate and term, cash-out, or a streamline that skips the appraisal. We run the break-even before you apply.

Refinance paperwork being signed at a tableRun the refinance numbers

Second-lien options that leave a low first mortgage rate untouched.

Bright renovated living room with hardwood floorsSee equity options

Qualified on the property, not your tax returns. The reason most of our repeat clients came to us.

Brick multifamily apartment buildingOpen the investor desk
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

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Tools and rates

See every tool

Five working calculators. Every figure recomputes as you type, including the full amortization schedule.

Amortization figures and a calculator on a deskOpen the calculator hub

Sample pricing, the points grid with break-even months, and a line-item closing cost sheet.

Planning a home purchase budget at a laptopSee today's sample rates

Who underwrites your file, where we are licensed, and what clients said afterwards.

Keystone Capital Mortgage office meeting roomMeet the lending team
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

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Compliance

Licensing and disclosures

Where we are licensed, who regulates us, and a plain statement of what every figure on this website actually is.

PA, NJ, DE, MDEqual Housing OpportunityPlaceholders, not fakes

About the NMLS numbers on this site

Company and originator identifiers appear throughout this site as NMLS #XXXXXXX and NMLS #XXXXXXX. That is deliberate. A realistic-looking seven digit number on a demonstration website can be mistaken for a genuine registration, so we have used an obvious placeholder instead. The client decides the convention and supplies the real identifiers before launch.

Four states, four regulators

State licensing and regulators
StateRegulatorLicenseNotes
PennsylvaniaPennsylvania Department of Banking and SecuritiesMortgage Lender License (number pending)Head office at 1701 Market Street, Philadelphia. Branch offices in Bala Cynwyd, King of Prussia and Allentown.
New JerseyNew Jersey Department of Banking and InsuranceResidential Mortgage Lender License (number pending)Branch office in Cherry Hill. New Jersey transactions include a three business day attorney review period.
DelawareDelaware Office of the State Bank CommissionerLicensed Lender (number pending)Branch office in Wilmington. First-time buyer transfer tax credit available to qualifying purchasers.
MarylandMaryland Office of the Commissioner of Financial RegulationMortgage Lender License (number pending)Served from the Wilmington office. No Maryland branch location at present.

Swipe the table sideways to see every column.

Licensed originators at Keystone

Licensed mortgage originators
NameRoleNMLSStates
Daniel WhitfieldPrincipal and branch managerNMLS #XXXXXXXPA, NJ, DE, MD
Yasmin HaddadSenior loan officer, purchaseNMLS #XXXXXXXPA, NJ, DE, MD
Rohan VenkatesanLoan officer, refinance and home equityNMLS #XXXXXXXPA, NJ, DE, MD
Amara OkonkwoInvestor lending leadNMLS #XXXXXXXPA, NJ, DE, MD
Hannah BrennerJumbo and self-employed specialistNMLS #XXXXXXXPA, NJ, DE, MD
Andre SuttonProcessing and closing managerNot an originatorn/a

Swipe the table sideways to see every column.

Six statements worth reading

  • Equal Housing Opportunity

    We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, age, marital status, receipt of public assistance, or the good faith exercise of any right under the Consumer Credit Protection Act.

  • Not a commitment to lend

    Nothing on this website is an offer or a commitment to lend. All loans are subject to credit approval, property appraisal, title review, income and asset verification, and program guidelines in force at the time of application. Rates, fees and program terms are subject to change without notice.

  • Rates are illustrations

    Every rate, APR, payment, fee and cost figure published on this site is a sample for demonstration. Actual pricing depends on credit score, loan-to-value, occupancy, property type, loan amount, lock period and the market at the time of your lock.

  • NMLS Consumer Access

    Licensed mortgage companies and originators are searchable on the NMLS Consumer Access register. The identifiers shown on this site are deliberate placeholders written as XXXXXXX, because this is a demonstration website and publishing a plausible-looking number would be misleading.

  • Privacy and data

    We collect only what is needed to evaluate and service a mortgage application, and we do not sell personal information. Full detail is in our privacy policy, and cookie preferences can be changed at any time from the footer.

  • Demonstration site

    This website is a demonstration build containing sample content, sample market data and fictional client testimonials. It does not represent a real lending institution and no application submitted through it is received by anyone.

Keystone Capital Mortgage · 1701 Market Street, Suite 1450, Philadelphia, PA 19103· (215) 555-0145 · lending@keystonecapitalmortgage.com. Also see our privacy policy, terms of service, cookie policy and accessibility statement.

Questions about any of this?

Compliance questions go to the same phone number as everything else. Ask for Daniel.

Start pre-qualification(215) 555-0145

No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.

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