Financial Funding Solutions 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
87th2.3% deniedPricingmedian rate spread over APOR, weight 30%
69th0.13 ptsProcesswithdrawn + incomplete share, weight 15%
36th14.7%Closing coststotal loan costs ÷ loan amount, weight 10%
77th1.22% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 281 | 214 | 6.4% | 7.7% | 6.63% | $70M |
| 2024 | 274 | 216 | 2.6% | 3.1% | 6.63% | $74M |
| 2025 | 306 | 254 | 2.0% | 2.3% | 6.49% | $94M |
What Financial Funding Solutions 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, 11 manufactured homes, 17 investment properties.
Why Financial Funding Solutions denies applications
Primary reason reported for each of the 6 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Financial Funding Solutions
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 18 | 0.0% |
| $50k – $100k | 93 | 81 | 2.4% |
| $100k – $150k | 81 | 63 | 3.0% |
| $150k – $250k | 49 | 41 | 0.0% |
| Over $250k | 54 | 45 | 2.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 19 | 0.0% |
| 25–34 | 75 | 65 | 0.0% |
| 35–44 | 71 | 53 | 5.3% |
| 45–54 | 59 | 49 | 0.0% |
| 55–64 | 51 | 43 | 4.4% |
| 65–74 | 22 | 20 | 0.0% |
Where Financial Funding Solutions lends
17 states and 80 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Financial Funding Solutions denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
The most common reason Financial Funding Solutions gave in 2025 was "collateral", cited on 33.3% 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 Financial Funding Solutions originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 25% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 69% conventional, 24% FHA, 5% 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.