Keystone Funding in Washington vs the state
8.8%Denial rate-6.83 pts vs state
8.8%Decision denial rate-10.72 pts vs state
73.5%Origination rate+12.47 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.04 pts vs state
$202kMedian applicant income
25Loans originated
3Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 6.31% | #501 |
| 2024 | 26 | 26 | 0.0% | 6.56% | #347 |
| 2025 | 34 | 25 | 8.8% | 6.63% | #333 |
What Keystone Funding lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 11 | 8 | 2 | 18.2% |
| Clark County | 5 | 4 | 0 | 0.0% |
| Snohomish County | 4 | 2 | 0 | 0.0% |
| Kitsap County | 3 | 3 | 0 | 0.0% |
| Pierce County | 2 | 1 | 1 | 50.0% |
| Yakima County | 2 | 2 | 0 | 0.0% |
| Island County | 2 | 2 | 0 | 0.0% |
| Benton County | 2 | 1 | 0 | 0.0% |
| Cowlitz County | 2 | 1 | 0 | 0.0% |
| Kittitas County | 1 | 1 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 34 applications in 2025, of which 25 were originated and 3 denied.
8.8% of all applications, or 8.8% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Keystone Funding originated in Washington in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology