Guild Mortgage in Arizona vs the state
4.3%Denial rate-11.95 pts vs state
5.3%Decision denial rate-15.08 pts vs state
71.1%Origination rate+11.57 pts vs state
6.63%Median rate+0.13 pts vs state
0.39Rate spread (pts)+0.17 pts vs state
$103kMedian applicant income
3,467Loans originated
209Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,950 | 2,069 | 3.3% | 6.88% | #20 |
| 2024 | 4,552 | 3,185 | 4.1% | 6.88% | #13 |
| 2025 | 4,880 | 3,467 | 4.3% | 6.63% | #12 |
What Guild Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 2,100 | 1,464 | 87 | 4.1% |
| Pima County | 704 | 497 | 21 | 3.0% |
| Pinal County | 565 | 400 | 35 | 6.2% |
| Yavapai County | 313 | 218 | 12 | 3.8% |
| Yuma County | 295 | 205 | 10 | 3.4% |
| Navajo County | 215 | 160 | 8 | 3.7% |
| Coconino County | 186 | 141 | 8 | 4.3% |
| Cochise County | 166 | 127 | 13 | 7.8% |
| Mohave County | 147 | 112 | 11 | 7.5% |
| Apache County | 82 | 64 | 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: 4,880 applications in 2025, of which 3,467 were originated and 209 denied.
4.3% of all applications, or 5.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Guild Mortgage originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Guild 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