Arizona Central in Arizona vs the state
22.3%Denial rate+6.05 pts vs state
32.8%Decision denial rate+12.38 pts vs state
45.4%Origination rate-14.08 pts vs state
7.50%Median rate+1.00 pts vs state
0.93Rate spread (pts)+0.71 pts vs state
$108kMedian applicant income
326Loans originated
160Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,211 | 504 | 34.9% | 6.50% | #54 |
| 2024 | 857 | 349 | 34.8% | 7.75% | #73 |
| 2025 | 718 | 326 | 22.3% | 7.50% | #90 |
What Arizona Central lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Arizona Central applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 489 | 229 | 108 | 22.1% |
| Pima County | 56 | 18 | 17 | 30.4% |
| Pinal County | 44 | 20 | 11 | 25.0% |
| Navajo County | 40 | 17 | 9 | 22.5% |
| Coconino County | 33 | 13 | 7 | 21.2% |
| Yavapai County | 19 | 12 | 1 | 5.3% |
| Mohave County | 11 | 5 | 2 | 18.2% |
| Apache County | 11 | 6 | 1 | 9.1% |
| Yuma County | 4 | 2 | 0 | 0.0% |
| Cochise County | 4 | 1 | 1 | 25.0% |
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: 718 applications in 2025, of which 326 were originated and 160 denied.
22.3% of all applications, or 32.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Arizona Central originated in Arizona in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Arizona Central'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