Click n' Close in Arizona vs the state
4.4%Denial rate-11.88 pts vs state
5.9%Decision denial rate-14.53 pts vs state
69.1%Origination rate+9.64 pts vs state
6.99%Median rate+0.49 pts vs state
2.04Rate spread (pts)+1.82 pts vs state
$92kMedian applicant income
1,032Loans originated
65Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 310 | 228 | 3.6% | 6.99% | #130 |
| 2024 | 1,085 | 751 | 3.3% | 7.00% | #61 |
| 2025 | 1,493 | 1,032 | 4.4% | 6.99% | #48 |
What Click n' Close lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,068 | 746 | 47 | 4.4% |
| Pinal County | 243 | 179 | 8 | 3.3% |
| Pima County | 57 | 38 | 2 | 3.5% |
| Yavapai County | 27 | 14 | 2 | 7.4% |
| Yuma County | 23 | 18 | 2 | 8.7% |
| Cochise County | 18 | 8 | 1 | 5.6% |
| Mohave County | 13 | 6 | 1 | 7.7% |
| Gila County | 10 | 7 | 0 | 0.0% |
| Navajo County | 9 | 4 | 0 | 0.0% |
| Santa Cruz County | 8 | 3 | 1 | 12.5% |
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: 1,493 applications in 2025, of which 1,032 were originated and 65 denied.
4.4% of all applications, or 5.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Click n' Close originated in Arizona in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Click n' Close'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