Home Mortgage Alliance Corporation (HMAC) in Arizona vs the state
11.8%Denial rate-4.40 pts vs state
17.5%Decision denial rate-2.95 pts vs state
54.8%Origination rate-4.64 pts vs state
7.63%Median rate+1.13 pts vs state
1.47Rate spread (pts)+1.25 pts vs state
$228kMedian applicant income
51Loans originated
11Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 221 | 104 | 15.4% | 8.13% | #153 |
| 2024 | 180 | 89 | 4.4% | 7.63% | #175 |
| 2025 | 93 | 51 | 11.8% | 7.63% | #253 |
What Home Mortgage Alliance Corporation (HMAC) lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 68 | 36 | 8 | 11.8% |
| Pinal County | 6 | 4 | 1 | 16.7% |
| Yuma County | 5 | 4 | 0 | 0.0% |
| Pima County | 4 | 3 | 0 | 0.0% |
| Coconino County | 2 | 1 | 0 | 0.0% |
| Mohave County | 2 | 1 | 1 | 50.0% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Cochise County | 2 | 0 | 1 | 50.0% |
| La Paz County | 1 | 0 | 0 | 0.0% |
| Apache County | 1 | 0 | 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: 93 applications in 2025, of which 51 were originated and 11 denied.
11.8% of all applications, or 17.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Arizona in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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