FlexPoint in Arizona vs the state
8.3%Denial rate-7.90 pts vs state
13.7%Decision denial rate-6.71 pts vs state
40.0%Origination rate-19.48 pts vs state
7.25%Median rate+0.75 pts vs state
1.16Rate spread (pts)+0.94 pts vs state
$120kMedian applicant income
48Loans originated
10Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 23 | 8.1% | 7.25% | #243 |
| 2024 | 66 | 27 | 7.6% | 7.75% | #279 |
| 2025 | 120 | 48 | 8.3% | 7.25% | #226 |
What FlexPoint lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 79 | 31 | 8 | 10.1% |
| Mohave County | 10 | 4 | 2 | 20.0% |
| Pinal County | 10 | 4 | 0 | 0.0% |
| Yavapai County | 6 | 0 | 0 | 0.0% |
| Pima County | 6 | 5 | 0 | 0.0% |
| Santa Cruz County | 3 | 1 | 0 | 0.0% |
| Navajo County | 2 | 1 | 0 | 0.0% |
| La Paz County | 2 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Coconino 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: 120 applications in 2025, of which 48 were originated and 10 denied.
8.3% of all applications, or 13.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans FlexPoint originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are FlexPoint'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