Guaranteed Rate in Arizona vs the state
6.6%Denial rate-9.63 pts vs state
11.2%Decision denial rate-9.26 pts vs state
51.1%Origination rate-8.36 pts vs state
6.58%Median rate+0.08 pts vs state
0.24Rate spread (pts)+0.02 pts vs state
$118kMedian applicant income
1,394Loans originated
180Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,924 | 826 | 4.4% | 6.63% | #36 |
| 2024 | 1,897 | 1,138 | 7.6% | 6.63% | #40 |
| 2025 | 2,727 | 1,394 | 6.6% | 6.58% | #28 |
What Guaranteed Rate lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,880 | 994 | 101 | 5.4% |
| Pima County | 238 | 78 | 22 | 9.2% |
| Pinal County | 186 | 95 | 18 | 9.7% |
| Yavapai County | 133 | 78 | 13 | 9.8% |
| Mohave County | 87 | 45 | 5 | 5.7% |
| Coconino County | 56 | 34 | 1 | 1.8% |
| Yuma County | 44 | 22 | 4 | 9.1% |
| Cochise County | 29 | 11 | 6 | 20.7% |
| Navajo County | 21 | 9 | 3 | 14.3% |
| Gila County | 21 | 12 | 2 | 9.5% |
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: 2,727 applications in 2025, of which 1,394 were originated and 180 denied.
6.6% of all applications, or 11.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Guaranteed Rate originated in Arizona in 2025 was 6.58%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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