Freedom Mortgage in Arizona vs the state
7.0%Denial rate-9.20 pts vs state
12.1%Decision denial rate-8.30 pts vs state
42.5%Origination rate-16.94 pts vs state
6.00%Median rate-0.50 pts vs state
0.04Rate spread (pts)-0.18 pts vs state
$96kMedian applicant income
2,123Loans originated
351Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,472 | 587 | 15.1% | 6.75% | #44 |
| 2024 | 3,492 | 1,591 | 9.2% | 6.25% | #19 |
| 2025 | 4,991 | 2,123 | 7.0% | 6.00% | #10 |
What Freedom Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 2,653 | 1,081 | 188 | 7.1% |
| Pima County | 739 | 320 | 52 | 7.0% |
| Pinal County | 636 | 299 | 43 | 6.8% |
| Mohave County | 216 | 100 | 17 | 7.9% |
| Yuma County | 199 | 84 | 15 | 7.5% |
| Yavapai County | 166 | 70 | 17 | 10.2% |
| Cochise County | 146 | 65 | 8 | 5.5% |
| Navajo County | 58 | 24 | 6 | 10.3% |
| Gila County | 49 | 20 | 2 | 4.1% |
| Santa Cruz County | 49 | 25 | 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% |
| Newrez | D | 4,922 | 16.9% | 6.38% |
Frequently asked questions
Arizona: 4,991 applications in 2025, of which 2,123 were originated and 351 denied.
7.0% of all applications, or 12.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Freedom Mortgage originated in Arizona in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Freedom Mortgage'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