Hometown Equity Mortgage in Arizona vs the state
42.3%Denial rate+26.04 pts vs state
43.7%Decision denial rate+23.24 pts vs state
54.3%Origination rate-5.22 pts vs state
7.25%Median rate+0.75 pts vs state
0.95Rate spread (pts)+0.73 pts vs state
$175kMedian applicant income
172Loans originated
134Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 52 | 45.9% | 8.44% | #188 |
| 2024 | 182 | 91 | 48.9% | 7.63% | #174 |
| 2025 | 317 | 172 | 42.3% | 7.25% | #144 |
What Hometown Equity Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 241 | 130 | 102 | 42.3% |
| Pima County | 25 | 12 | 12 | 48.0% |
| Pinal County | 16 | 9 | 7 | 43.8% |
| Yavapai County | 7 | 3 | 3 | 42.9% |
| Mohave County | 7 | 6 | 1 | 14.3% |
| Coconino County | 7 | 5 | 2 | 28.6% |
| Navajo County | 5 | 3 | 2 | 40.0% |
| Gila County | 5 | 3 | 2 | 40.0% |
| Santa Cruz County | 2 | 0 | 2 | 100.0% |
| Cochise County | 1 | 1 | 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: 317 applications in 2025, of which 172 were originated and 134 denied.
42.3% of all applications, or 43.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Hometown Equity Mortgage originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Hometown Equity 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