21st Mortgage in Arizona vs the state
42.0%Denial rate+25.80 pts vs state
62.3%Decision denial rate+41.87 pts vs state
24.1%Origination rate-35.41 pts vs state
9.59%Median rate+3.09 pts vs state
3.96Rate spread (pts)+3.74 pts vs state
$68kMedian applicant income
488Loans originated
852Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,141 | 643 | 45.4% | 9.01% | #18 |
| 2024 | 2,658 | 605 | 44.1% | 9.39% | #28 |
| 2025 | 2,027 | 488 | 42.0% | 9.59% | #39 |
What 21st Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 749 | 126 | 368 | 49.1% |
| Pima County | 375 | 137 | 127 | 33.9% |
| Mohave County | 166 | 45 | 60 | 36.1% |
| Pinal County | 153 | 32 | 61 | 39.9% |
| Yavapai County | 138 | 26 | 54 | 39.1% |
| Navajo County | 92 | 32 | 29 | 31.5% |
| Apache County | 84 | 23 | 36 | 42.9% |
| Yuma County | 76 | 13 | 46 | 60.5% |
| Coconino County | 66 | 16 | 26 | 39.4% |
| Cochise County | 44 | 16 | 15 | 34.1% |
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: 2,027 applications in 2025, of which 488 were originated and 852 denied.
42.0% of all applications, or 62.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans 21st Mortgage originated in Arizona in 2025 was 9.59%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage'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