Jmac Lending in Arizona vs the state
4.7%Denial rate-11.53 pts vs state
6.7%Decision denial rate-13.74 pts vs state
65.8%Origination rate+6.32 pts vs state
6.63%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.16 pts vs state
$126kMedian applicant income
252Loans originated
18Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 25 | 4.8% | 6.75% | #327 |
| 2024 | 136 | 77 | 8.8% | 6.99% | #201 |
| 2025 | 383 | 252 | 4.7% | 6.63% | #135 |
What Jmac Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 254 | 164 | 11 | 4.3% |
| Pima County | 51 | 34 | 3 | 5.9% |
| Pinal County | 29 | 20 | 2 | 6.9% |
| Yavapai County | 10 | 4 | 0 | 0.0% |
| Cochise County | 10 | 7 | 1 | 10.0% |
| Coconino County | 6 | 6 | 0 | 0.0% |
| Navajo County | 6 | 4 | 0 | 0.0% |
| Apache County | 5 | 4 | 1 | 20.0% |
| Gila County | 4 | 2 | 0 | 0.0% |
| Santa Cruz County | 3 | 3 | 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: 383 applications in 2025, of which 252 were originated and 18 denied.
4.7% of all applications, or 6.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Jmac Lending originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Jmac Lending'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