Efinity Financial in Arizona vs the state
8.5%Denial rate-7.70 pts vs state
11.0%Decision denial rate-9.42 pts vs state
69.1%Origination rate+9.65 pts vs state
6.63%Median rate+0.13 pts vs state
0.64Rate spread (pts)+0.42 pts vs state
$86kMedian applicant income
786Loans originated
97Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 154 | 1.7% | 7.00% | #169 |
| 2024 | 814 | 576 | 3.8% | 6.63% | #77 |
| 2025 | 1,137 | 786 | 8.5% | 6.63% | #64 |
What Efinity Financial lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Efinity Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 731 | 490 | 72 | 9.8% |
| Yuma County | 270 | 205 | 13 | 4.8% |
| Pinal County | 51 | 40 | 4 | 7.8% |
| Santa Cruz County | 19 | 13 | 1 | 5.3% |
| Pima County | 17 | 13 | 2 | 11.8% |
| Yavapai County | 17 | 11 | 2 | 11.8% |
| Navajo County | 10 | 9 | 1 | 10.0% |
| Mohave County | 2 | 2 | 0 | 0.0% |
| Gila County | 2 | 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: 1,137 applications in 2025, of which 786 were originated and 97 denied.
8.5% of all applications, or 11.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Efinity Financial originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Efinity Financial'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