Guaranteed Rate Affinity in Arizona vs the state
5.2%Denial rate-11.03 pts vs state
7.9%Decision denial rate-12.47 pts vs state
58.3%Origination rate-1.17 pts vs state
6.63%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.03 pts vs state
$120kMedian applicant income
505Loans originated
45Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,057 | 602 | 9.3% | 6.75% | #63 |
| 2024 | 818 | 517 | 8.4% | 6.88% | #76 |
| 2025 | 866 | 505 | 5.2% | 6.63% | #80 |
What Guaranteed Rate Affinity lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 380 | 211 | 20 | 5.3% |
| Pima County | 287 | 186 | 10 | 3.5% |
| Gila County | 71 | 34 | 5 | 7.0% |
| Pinal County | 46 | 31 | 1 | 2.2% |
| Yavapai County | 36 | 21 | 3 | 8.3% |
| Mohave County | 20 | 7 | 1 | 5.0% |
| Santa Cruz County | 6 | 5 | 0 | 0.0% |
| Navajo County | 5 | 5 | 0 | 0.0% |
| Coconino County | 4 | 3 | 0 | 0.0% |
| Cochise County | 3 | 0 | 2 | 66.7% |
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: 866 applications in 2025, of which 505 were originated and 45 denied.
5.2% of all applications, or 7.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Guaranteed Rate Affinity originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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