Encompass Lending Group in Arizona vs the state
6.5%Denial rate-9.71 pts vs state
9.4%Decision denial rate-11.03 pts vs state
63.0%Origination rate+3.56 pts vs state
6.63%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.20 pts vs state
$93kMedian applicant income
29Loans originated
3Denied
What Encompass Lending Group lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 27 | 18 | 2 | 7.4% |
| Pinal County | 12 | 7 | 1 | 8.3% |
| Yuma County | 3 | 2 | 0 | 0.0% |
| Gila County | 2 | 1 | 0 | 0.0% |
| Yavapai County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 0 | 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: 46 applications in 2025, of which 29 were originated and 3 denied.
6.5% of all applications, or 9.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Encompass Lending Group originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Encompass Lending Group'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