Keystone Funding in California vs the state
4.8%Denial rate-12.66 pts vs state
4.8%Decision denial rate-17.64 pts vs state
66.7%Origination rate+10.47 pts vs state
6.50%Median rate-0.13 pts vs state
-0.09Rate spread (pts)-0.36 pts vs state
$191kMedian applicant income
14Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 30 | 4.6% | 6.31% | #553 |
| 2024 | 33 | 24 | 3.0% | 6.25% | #579 |
| 2025 | 21 | 14 | 4.8% | 6.50% | #633 |
What Keystone Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 3 | 3 | 0 | 0.0% |
| San Bernardino County | 3 | 1 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Sonoma County | 2 | 1 | 0 | 0.0% |
| Contra Costa County | 2 | 1 | 1 | 50.0% |
| Tehama County | 2 | 1 | 0 | 0.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
| San Benito County | 1 | 0 | 0 | 0.0% |
| El Dorado County | 1 | 1 | 0 | 0.0% |
| Lassen County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 21 applications in 2025, of which 14 were originated and 1 denied.
4.8% of all applications, or 4.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Keystone Funding originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology