American Financing in Arizona vs the state
52.2%Denial rate+35.93 pts vs state
67.1%Decision denial rate+46.68 pts vs state
17.6%Origination rate-41.87 pts vs state
6.06%Median rate-0.44 pts vs state
0.10Rate spread (pts)-0.12 pts vs state
$92kMedian applicant income
106Loans originated
314Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 317 | 62 | 39.8% | 6.56% | #126 |
| 2024 | 536 | 109 | 54.5% | 6.13% | #100 |
| 2025 | 602 | 106 | 52.2% | 6.06% | #102 |
What American Financing lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 292 | 42 | 148 | 50.7% |
| Pima County | 76 | 16 | 41 | 53.9% |
| Yavapai County | 61 | 16 | 31 | 50.8% |
| Pinal County | 60 | 9 | 36 | 60.0% |
| Mohave County | 42 | 8 | 19 | 45.2% |
| Yuma County | 17 | 3 | 9 | 52.9% |
| Cochise County | 16 | 6 | 8 | 50.0% |
| Coconino County | 14 | 1 | 9 | 64.3% |
| Navajo County | 9 | 2 | 2 | 22.2% |
| Gila County | 4 | 1 | 3 | 75.0% |
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: 602 applications in 2025, of which 106 were originated and 314 denied.
52.2% of all applications, or 67.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Financing originated in Arizona in 2025 was 6.06%, against a statewide median of 6.50%.
About this data. Figures are American Financing'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