Archwest Funding at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th1.5% deniedProcesswithdrawn + incomplete share, weight 15%
79th0.9%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 1,103 | 771 | 4.0% | 4.0% | 7.38% | $357M |
| 2025 | 670 | 468 | 1.5% | 1.5% | 8.49% | $568M |
What Archwest Funding lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 670 investment properties.
Why Archwest Funding denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Archwest Funding lends
38 states and 164 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 301 | 235 | 2.0% | 8.70% | #316 |
| Ohio | 67 | 53 | 1.5% | 7.09% | #370 |
| Florida | 49 | 33 | 0.0% | 9.50% | #601 |
| Texas | 30 | 13 | 6.7% | 7.60% | #803 |
| Georgia | 27 | 11 | 0.0% | 9.50% | #535 |
| Pennsylvania | 20 | 13 | 0.0% | 7.34% | #603 |
| Tennessee | 19 | 8 | 0.0% | 8.55% | #545 |
| Idaho | 17 | 17 | 0.0% | 8.63% | #232 |
| North Carolina | 16 | 14 | 0.0% | 7.02% | #553 |
| Oklahoma | 13 | 8 | 0.0% | 7.29% | #379 |
| Colorado | 12 | 2 | 0.0% | 6.64% | #476 |
| Arizona | 11 | 9 | 0.0% | 9.50% | #490 |
| New York | 10 | 5 | 0.0% | 7.95% | #471 |
| Maryland | 8 | 4 | 0.0% | 7.09% | #497 |
| Michigan | 8 | 5 | 0.0% | 7.33% | #537 |
| Hawaii | 6 | 6 | 0.0% | 10.25% | #181 |
| Illinois | 5 | 3 | 0.0% | 9.46% | #765 |
Frequently asked questions
Archwest Funding denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of investment-property lenders.
The most common reason Archwest Funding gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Archwest Funding originated in 2025 was 8.49%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 39% of its applications were for home purchases, 61% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.