Better Mortgage in Arizona vs the state
25.4%Denial rate+9.13 pts vs state
45.3%Decision denial rate+24.91 pts vs state
29.4%Origination rate-30.06 pts vs state
8.25%Median rate+1.75 pts vs state
1.06Rate spread (pts)+0.84 pts vs state
$160kMedian applicant income
348Loans originated
300Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 274 | 112 | 3.3% | 6.25% | #141 |
| 2024 | 345 | 141 | 8.7% | 6.50% | #119 |
| 2025 | 1,183 | 348 | 25.4% | 8.25% | #60 |
What Better Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 820 | 252 | 187 | 22.8% |
| Pima County | 138 | 36 | 46 | 33.3% |
| Pinal County | 64 | 13 | 23 | 35.9% |
| Yavapai County | 42 | 15 | 7 | 16.7% |
| Mohave County | 30 | 13 | 6 | 20.0% |
| Coconino County | 28 | 7 | 9 | 32.1% |
| Yuma County | 17 | 4 | 6 | 35.3% |
| Cochise County | 11 | 3 | 4 | 36.4% |
| Graham County | 7 | 2 | 3 | 42.9% |
| Navajo County | 6 | 1 | 4 | 66.7% |
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: 1,183 applications in 2025, of which 348 were originated and 300 denied.
25.4% of all applications, or 45.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Better Mortgage originated in Arizona in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are Better 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