Homeowners Financial Group USA in Arizona vs the state
1.7%Denial rate-14.52 pts vs state
2.2%Decision denial rate-18.22 pts vs state
76.0%Origination rate+16.52 pts vs state
6.50%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.10 pts vs state
$144kMedian applicant income
757Loans originated
17Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,279 | 852 | 2.7% | 6.75% | #52 |
| 2024 | 1,059 | 789 | 3.2% | 6.63% | #64 |
| 2025 | 996 | 757 | 1.7% | 6.50% | #73 |
What Homeowners Financial Group USA lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 707 | 530 | 13 | 1.8% |
| Pinal County | 112 | 96 | 1 | 0.9% |
| Yavapai County | 111 | 79 | 2 | 1.8% |
| Pima County | 17 | 14 | 0 | 0.0% |
| Navajo County | 13 | 11 | 1 | 7.7% |
| Coconino County | 12 | 8 | 0 | 0.0% |
| Mohave County | 8 | 5 | 0 | 0.0% |
| Gila County | 7 | 5 | 0 | 0.0% |
| Santa Cruz County | 3 | 3 | 0 | 0.0% |
| Yuma County | 2 | 2 | 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: 996 applications in 2025, of which 757 were originated and 17 denied.
1.7% of all applications, or 2.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Homeowners Financial Group USA originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Homeowners Financial Group USA'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