Direct Mortgage Loans in Arizona vs the state
2.1%Denial rate-14.10 pts vs state
2.4%Decision denial rate-17.99 pts vs state
76.6%Origination rate+17.12 pts vs state
6.63%Median rate+0.13 pts vs state
0.45Rate spread (pts)+0.23 pts vs state
$135kMedian applicant income
360Loans originated
10Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 332 | 275 | 1.8% | 6.63% | #127 |
| 2025 | 470 | 360 | 2.1% | 6.63% | #115 |
What Direct Mortgage Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Direct Mortgage Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 327 | 249 | 5 | 1.5% |
| Pinal County | 99 | 81 | 3 | 3.0% |
| Gila County | 10 | 6 | 2 | 20.0% |
| Navajo County | 8 | 6 | 0 | 0.0% |
| Coconino County | 7 | 4 | 0 | 0.0% |
| Yavapai County | 6 | 4 | 0 | 0.0% |
| Pima County | 6 | 3 | 0 | 0.0% |
| Cochise County | 3 | 3 | 0 | 0.0% |
| Graham County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
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: 470 applications in 2025, of which 360 were originated and 10 denied.
2.1% of all applications, or 2.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Direct Mortgage Loans originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Direct Mortgage Loans'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