The people
Six people, one floor, no call center
You will speak to the person whose name appears on your pre-approval letter, and you will keep speaking to them until the loan funds.
NMLS identifiers below are placeholders. They are written as NMLS #XXXXXXX deliberately, so that nobody mistakes a demonstration site for a licensed originator's real registration. The client supplies the real numbers before launch.
Daniel Whitfield
Principal and branch manager
NMLS #XXXXXXX
Daniel opened Keystone in 2009 after eleven years underwriting for a regional bank, which is why underwriting sits in this office rather than in another state. He still signs off personally on every file above $1,500,000 and on anything with a complicated income structure. He is the person to call when three lenders have already said no and nobody has explained why.
- Focus
- Jumbo, self-employed, portfolio structuring
- Languages
- English
- With Keystone since
- 2009
Yasmin Haddad
Senior loan officer, purchase
NMLS #XXXXXXX
Yasmin handles more first purchases than anyone else here, most of them in South Philadelphia, Kensington and Point Breeze. She knows which PHFA programs are funded this quarter and which have run dry, and she will tell a buyer to wait six weeks for a credit rescore when that saves more than the rate ever could.
- Focus
- First-time buyers, FHA, PHFA assistance layering
- Languages
- English, Arabic, French
- With Keystone since
- 2013
Rohan Venkatesan
Loan officer, refinance and home equity
NMLS #XXXXXXX
Rohan runs the break-even arithmetic before he quotes anything, and he has talked more clients out of refinancing than into it. His specialty is the awkward case: a low first-mortgage rate, a real need for cash, and a decision that turns on whether a HELOC or a fixed second costs less over the period you actually need the money.
- Focus
- Rate and term, cash-out, HELOC and second liens
- Languages
- English, Tamil, Hindi
- With Keystone since
- 2016
Amara Okonkwo
Investor lending lead
NMLS #XXXXXXX
Amara owns eleven rental doors of her own across West Philadelphia and Upper Darby, which is why investor clients tend to stay with her. She models DSCR with realistic vacancy and turn costs rather than the appraiser's best case, and she will say plainly when a deal does not work at any leverage.
- Focus
- DSCR, fix and flip, bridge, blanket portfolios
- Languages
- English
- With Keystone since
- 2017
Hannah Brenner
Jumbo and self-employed specialist
NMLS #XXXXXXX
Hannah spent six years in private banking before moving to origination, and she reads a K-1 the way most people read a payslip. If your income arrives as distributions, bonus, or equity that vests on a schedule, she is the one who turns it into qualifying income without three rounds of underwriting conditions.
- Focus
- Bank statement income, asset depletion, restricted stock
- Languages
- English, German
- With Keystone since
- 2019
Andre Sutton
Processing and closing manager
Not a licensed mortgage originator. Does not quote rates.
Andre is not a licensed originator and does not quote rates. He is the reason conditions arrive in one batch instead of a weekly trickle, and the person who calls the title company on day three rather than day twenty. Most clients remember his name longer than they remember their rate.
- Focus
- Conditions, title coordination, settlement
- Languages
- English, Spanish
- With Keystone since
- 2014
We hire underwriters, then teach them to originate
It is the wrong way round on paper and the right way round in practice. Someone who has declined two thousand files knows which questions matter on the first call, and that is most of the job.
We are not currently recruiting, but we read everything that arrives at lending@keystonecapitalmortgage.com.
Get in touch
Not sure who to ask for?
Call the main line and describe the situation. Whoever picks up will route you to the right desk in about ninety seconds.
No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.
Licensed, approved and audited
- Equal Housing Opportunity lender
- In-house underwriting since 2009
- Licensed in PA, NJ, DE and MD
- Fannie Mae and Freddie Mac seller-servicer
- FHA, VA and USDA approved
- 4.9 from 1,284 closed-file surveys
Sample credentials for a demonstration site. NMLS identifiers are placeholders pending the client's licensing details.