Geneva Financial in Arizona vs the state
2.9%Denial rate-13.31 pts vs state
4.0%Decision denial rate-16.44 pts vs state
70.3%Origination rate+10.79 pts vs state
6.63%Median rate+0.13 pts vs state
0.52Rate spread (pts)+0.30 pts vs state
$84kMedian applicant income
794Loans originated
33Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,541 | 1,006 | 2.5% | 7.13% | #43 |
| 2024 | 1,390 | 966 | 1.9% | 6.87% | #50 |
| 2025 | 1,130 | 794 | 2.9% | 6.63% | #66 |
What Geneva Financial lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 500 | 313 | 17 | 3.4% |
| Pinal County | 244 | 185 | 5 | 2.0% |
| Mohave County | 79 | 67 | 0 | 0.0% |
| Pima County | 77 | 48 | 5 | 6.5% |
| Yavapai County | 67 | 51 | 2 | 3.0% |
| Cochise County | 60 | 52 | 0 | 0.0% |
| Yuma County | 49 | 41 | 2 | 4.1% |
| Gila County | 26 | 18 | 1 | 3.8% |
| Navajo County | 12 | 7 | 1 | 8.3% |
| Coconino County | 11 | 8 | 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: 1,130 applications in 2025, of which 794 were originated and 33 denied.
2.9% of all applications, or 4.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Geneva Financial originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Geneva Financial'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