American Heritage Lending in Arizona vs the state
8.3%Denial rate-7.90 pts vs state
10.7%Decision denial rate-9.73 pts vs state
54.6%Origination rate-4.93 pts vs state
7.25%Median rate+0.75 pts vs state
0.89Rate spread (pts)+0.67 pts vs state
$138kMedian applicant income
72Loans originated
11Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 47 | 5.0% | 8.63% | #226 |
| 2024 | 171 | 89 | 8.2% | 7.75% | #181 |
| 2025 | 132 | 72 | 8.3% | 7.25% | #211 |
What American Heritage Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 93 | 51 | 8 | 8.6% |
| Pima County | 10 | 3 | 0 | 0.0% |
| Mohave County | 9 | 7 | 0 | 0.0% |
| Pinal County | 6 | 2 | 2 | 33.3% |
| Coconino County | 4 | 4 | 0 | 0.0% |
| Yavapai County | 4 | 1 | 1 | 25.0% |
| Yuma County | 2 | 2 | 0 | 0.0% |
| Navajo County | 2 | 1 | 0 | 0.0% |
| Gila County | 1 | 0 | 0 | 0.0% |
| Graham County | 1 | 1 | 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: 132 applications in 2025, of which 72 were originated and 11 denied.
8.3% of all applications, or 10.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Heritage Lending originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are American Heritage Lending'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