Kind Lending in Arizona vs the state
26.0%Denial rate+9.76 pts vs state
29.3%Decision denial rate+8.86 pts vs state
61.7%Origination rate+2.23 pts vs state
6.88%Median rate+0.38 pts vs state
0.40Rate spread (pts)+0.18 pts vs state
$123kMedian applicant income
672Loans originated
283Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 286 | 164 | 30.4% | 6.75% | #138 |
| 2024 | 709 | 407 | 29.2% | 6.99% | #85 |
| 2025 | 1,089 | 672 | 26.0% | 6.88% | #69 |
What Kind Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 730 | 455 | 193 | 26.4% |
| Pinal County | 124 | 76 | 29 | 23.4% |
| Pima County | 65 | 39 | 11 | 16.9% |
| Navajo County | 39 | 23 | 12 | 30.8% |
| Yavapai County | 36 | 22 | 12 | 33.3% |
| Mohave County | 28 | 17 | 5 | 17.9% |
| Coconino County | 18 | 11 | 6 | 33.3% |
| Yuma County | 16 | 6 | 7 | 43.8% |
| Gila County | 12 | 9 | 2 | 16.7% |
| Cochise County | 10 | 6 | 4 | 40.0% |
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: 1,089 applications in 2025, of which 672 were originated and 283 denied.
26.0% of all applications, or 29.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Kind Lending originated in Arizona in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Kind 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