Kiavi Funding in Arizona vs the state
6.1%Denial rate-10.14 pts vs state
8.3%Decision denial rate-12.08 pts vs state
65.3%Origination rate+5.82 pts vs state
10.95%Median rate+4.45 pts vs state
—Rate spread (pts)
—Median applicant income
397Loans originated
37Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 321 | 210 | 6.5% | 11.55% | #124 |
| 2024 | 344 | 263 | 4.1% | 11.75% | #120 |
| 2025 | 608 | 397 | 6.1% | 10.95% | #101 |
What Kiavi Funding lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 386 | 235 | 19 | 4.9% |
| Pima County | 105 | 79 | 6 | 5.7% |
| Pinal County | 36 | 27 | 7 | 19.4% |
| Mohave County | 28 | 25 | 1 | 3.6% |
| Yavapai County | 19 | 11 | 2 | 10.5% |
| Cochise County | 12 | 9 | 0 | 0.0% |
| Navajo County | 9 | 2 | 0 | 0.0% |
| Yuma County | 7 | 6 | 1 | 14.3% |
| Gila County | 5 | 2 | 1 | 20.0% |
| Coconino 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: 608 applications in 2025, of which 397 were originated and 37 denied.
6.1% of all applications, or 8.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Kiavi Funding originated in Arizona in 2025 was 10.95%, against a statewide median of 6.50%.
About this data. Figures are Kiavi Funding'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