East Coast Capital in Arizona vs the state
10.5%Denial rate-5.70 pts vs state
18.2%Decision denial rate-2.23 pts vs state
47.4%Origination rate-12.11 pts vs state
7.06%Median rate+0.56 pts vs state
1.28Rate spread (pts)+1.06 pts vs state
$168kMedian applicant income
9Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 7.50% | #617 |
| 2024 | 9 | 6 | 11.1% | 7.38% | #506 |
| 2025 | 19 | 9 | 10.5% | 7.06% | #423 |
What East Coast Capital lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 14 | 7 | 2 | 14.3% |
| Mohave County | 4 | 1 | 0 | 0.0% |
| Cochise 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: 19 applications in 2025, of which 9 were originated and 2 denied.
10.5% of all applications, or 18.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans East Coast Capital originated in Arizona in 2025 was 7.06%, against a statewide median of 6.50%.
About this data. Figures are East Coast Capital'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