American Pacific Mortgage in Arizona vs the state
9.2%Denial rate-7.00 pts vs state
11.7%Decision denial rate-8.67 pts vs state
69.3%Origination rate+9.82 pts vs state
6.63%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.29 pts vs state
$97kMedian applicant income
1,562Loans originated
208Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,989 | 2,084 | 8.3% | 6.75% | #19 |
| 2024 | 2,171 | 1,464 | 10.3% | 6.88% | #34 |
| 2025 | 2,254 | 1,562 | 9.2% | 6.63% | #34 |
What American Pacific Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 803 | 534 | 70 | 8.7% |
| Pima County | 618 | 407 | 73 | 11.8% |
| Mohave County | 215 | 166 | 12 | 5.6% |
| Pinal County | 161 | 115 | 21 | 13.0% |
| Santa Cruz County | 161 | 129 | 8 | 5.0% |
| Gila County | 74 | 62 | 0 | 0.0% |
| Navajo County | 73 | 45 | 7 | 9.6% |
| Yavapai County | 65 | 50 | 5 | 7.7% |
| Cochise County | 32 | 19 | 9 | 28.1% |
| Coconino County | 16 | 13 | 1 | 6.3% |
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: 2,254 applications in 2025, of which 1,562 were originated and 208 denied.
9.2% of all applications, or 11.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Pacific Mortgage originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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