Figure Lending in Arizona vs the state
24.0%Denial rate+7.75 pts vs state
25.2%Decision denial rate+4.82 pts vs state
51.5%Origination rate-7.95 pts vs state
8.80%Median rate+2.30 pts vs state
2.36Rate spread (pts)+2.14 pts vs state
$108kMedian applicant income
1,416Loans originated
659Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,590 | 1,163 | 31.0% | 10.75% | #25 |
| 2024 | 3,537 | 1,752 | 25.6% | 10.45% | #17 |
| 2025 | 2,748 | 1,416 | 24.0% | 8.80% | #26 |
What Figure Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,624 | 853 | 371 | 22.8% |
| Pima County | 397 | 219 | 94 | 23.7% |
| Yuma County | 180 | 84 | 44 | 24.4% |
| Pinal County | 169 | 86 | 37 | 21.9% |
| Yavapai County | 101 | 52 | 24 | 23.8% |
| Mohave County | 87 | 34 | 29 | 33.3% |
| Cochise County | 63 | 38 | 15 | 23.8% |
| Coconino County | 40 | 19 | 11 | 27.5% |
| Navajo County | 37 | 16 | 12 | 32.4% |
| Santa Cruz County | 21 | 6 | 9 | 42.9% |
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: 2,748 applications in 2025, of which 1,416 were originated and 659 denied.
24.0% of all applications, or 25.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Figure Lending originated in Arizona in 2025 was 8.80%, against a statewide median of 6.50%.
About this data. Figures are Figure Lending'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