American Southwest in Arizona vs the state
20.0%Denial rate+3.77 pts vs state
22.4%Decision denial rate+1.94 pts vs state
69.5%Origination rate+9.99 pts vs state
7.44%Median rate+0.94 pts vs state
0.60Rate spread (pts)+0.38 pts vs state
$98kMedian applicant income
66Loans originated
19Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 70 | 22.1% | 7.38% | #216 |
| 2024 | 123 | 82 | 18.7% | 7.49% | #213 |
| 2025 | 95 | 66 | 20.0% | 7.44% | #249 |
What American Southwest lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most American Southwest applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cochise County | 49 | 36 | 9 | 18.4% |
| Pima County | 27 | 15 | 8 | 29.6% |
| Graham County | 8 | 7 | 0 | 0.0% |
| Santa Cruz County | 7 | 5 | 1 | 14.3% |
| Apache County | 1 | 1 | 0 | 0.0% |
| Gila County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Pinal County | 1 | 0 | 1 | 100.0% |
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: 95 applications in 2025, of which 66 were originated and 19 denied.
20.0% of all applications, or 22.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans American Southwest originated in Arizona in 2025 was 7.44%, against a statewide median of 6.50%.
About this data. Figures are American Southwest'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