Keystone Funding in Georgia vs the state
8.7%Denial rate-10.48 pts vs state
8.7%Decision denial rate-16.33 pts vs state
77.7%Origination rate+23.58 pts vs state
6.25%Median rate-0.38 pts vs state
0.03Rate spread (pts)-0.24 pts vs state
$100kMedian applicant income
80Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 35 | 10.0% | 6.49% | #371 |
| 2024 | 81 | 54 | 13.6% | 6.63% | #363 |
| 2025 | 103 | 80 | 8.7% | 6.25% | #331 |
What Keystone Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 24 | 21 | 0 | 0.0% |
| Ware County | 9 | 7 | 1 | 11.1% |
| Fulton County | 5 | 4 | 0 | 0.0% |
| Cobb County | 5 | 4 | 1 | 20.0% |
| Pierce County | 5 | 3 | 1 | 20.0% |
| Peach County | 5 | 4 | 0 | 0.0% |
| Clayton County | 4 | 2 | 2 | 50.0% |
| Muscogee County | 3 | 0 | 1 | 33.3% |
| Early County | 2 | 1 | 0 | 0.0% |
| Bleckley County | 2 | 1 | 1 | 50.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 103 applications in 2025, of which 80 were originated and 9 denied.
8.7% of all applications, or 8.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Keystone Funding originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology