American Financial Resources in Arizona vs the state
4.5%Denial rate-11.76 pts vs state
5.6%Decision denial rate-14.84 pts vs state
75.4%Origination rate+15.89 pts vs state
6.50%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$94kMedian applicant income
557Loans originated
33Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 77 | 16.7% | 6.88% | #194 |
| 2024 | 289 | 184 | 12.8% | 6.75% | #135 |
| 2025 | 739 | 557 | 4.5% | 6.50% | #88 |
What American Financial Resources lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 373 | 289 | 19 | 5.1% |
| Pima County | 89 | 65 | 5 | 5.6% |
| Pinal County | 88 | 65 | 5 | 5.7% |
| Yuma County | 65 | 52 | 2 | 3.1% |
| Yavapai County | 30 | 18 | 1 | 3.3% |
| Cochise County | 25 | 20 | 0 | 0.0% |
| Mohave County | 22 | 18 | 0 | 0.0% |
| Navajo County | 15 | 11 | 1 | 6.7% |
| Gila County | 7 | 3 | 0 | 0.0% |
| Coconino County | 6 | 4 | 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: 739 applications in 2025, of which 557 were originated and 33 denied.
4.5% of all applications, or 5.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Financial Resources originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Financial Resources'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