Keystone Funding in Arizona vs the state
0.0%Denial rate-16.23 pts vs state
0.0%Decision denial rate-20.41 pts vs state
72.7%Origination rate+13.25 pts vs state
6.50%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.07 pts vs state
$124kMedian applicant income
32Loans originated
0Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 4 | 23.1% | 6.44% | #480 |
| 2024 | 42 | 35 | 4.8% | 6.63% | #325 |
| 2025 | 44 | 32 | 0.0% | 6.50% | #329 |
What Keystone Funding lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 27 | 17 | 0 | 0.0% |
| Pinal County | 5 | 5 | 0 | 0.0% |
| Pima County | 3 | 3 | 0 | 0.0% |
| Gila County | 2 | 2 | 0 | 0.0% |
| Santa Cruz County | 2 | 2 | 0 | 0.0% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
| Coconino County | 1 | 0 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 44 applications in 2025, of which 32 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Keystone Funding originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology