Keystone Funding in Alabama vs the state
7.1%Denial rate-12.71 pts vs state
7.1%Decision denial rate-17.86 pts vs state
75.0%Origination rate+19.61 pts vs state
6.44%Median rate-0.06 pts vs state
0.33Rate spread (pts)+0.04 pts vs state
$90kMedian applicant income
42Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 35 | 7.4% | 6.50% | #268 |
| 2024 | 52 | 38 | 7.7% | 6.69% | #285 |
| 2025 | 56 | 42 | 7.1% | 6.44% | #295 |
What Keystone Funding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 21 | 16 | 2 | 9.5% |
| Randolph County | 13 | 9 | 1 | 7.7% |
| Chambers County | 11 | 7 | 1 | 9.1% |
| Jefferson County | 3 | 3 | 0 | 0.0% |
| Tallapoosa County | 2 | 2 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| Baldwin County | 1 | 0 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 56 applications in 2025, of which 42 were originated and 4 denied.
7.1% of all applications, or 7.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Keystone Funding originated in Alabama in 2025 was 6.44%, against a statewide median of 6.50%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology