Evo Home Loans in Arizona vs the state
5.4%Denial rate-10.88 pts vs state
7.4%Decision denial rate-12.97 pts vs state
63.6%Origination rate+4.07 pts vs state
6.88%Median rate+0.38 pts vs state
0.40Rate spread (pts)+0.18 pts vs state
$139kMedian applicant income
190Loans originated
16Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 150 | 3.9% | 6.75% | #158 |
| 2024 | 201 | 128 | 6.5% | 6.99% | #163 |
| 2025 | 299 | 190 | 5.4% | 6.88% | #147 |
What Evo Home Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Evo Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 242 | 152 | 15 | 6.2% |
| Pinal County | 22 | 14 | 0 | 0.0% |
| Yavapai County | 11 | 8 | 0 | 0.0% |
| Coconino County | 10 | 8 | 0 | 0.0% |
| Pima County | 3 | 1 | 0 | 0.0% |
| Gila County | 3 | 1 | 0 | 0.0% |
| Yuma County | 2 | 1 | 1 | 50.0% |
| Mohave County | 2 | 1 | 0 | 0.0% |
| Navajo County | 2 | 2 | 0 | 0.0% |
| Apache 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: 299 applications in 2025, of which 190 were originated and 16 denied.
5.4% of all applications, or 7.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Evo Home Loans originated in Arizona in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Evo Home 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