Manufacturers and Traders Trust in Arizona vs the state
14.3%Denial rate-1.94 pts vs state
20.2%Decision denial rate-0.19 pts vs state
54.8%Origination rate-4.72 pts vs state
3.13%Median rate-3.38 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$105kMedian applicant income
69Loans originated
18Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 37 | 23.1% | 3.75% | #259 |
| 2024 | 110 | 62 | 20.0% | 3.25% | #226 |
| 2025 | 126 | 69 | 14.3% | 3.13% | #218 |
What Manufacturers and Traders Trust lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 67 | 39 | 9 | 13.4% |
| Pima County | 22 | 12 | 2 | 9.1% |
| Pinal County | 16 | 6 | 5 | 31.3% |
| Yavapai County | 6 | 4 | 0 | 0.0% |
| Mohave County | 4 | 3 | 1 | 25.0% |
| Navajo County | 2 | 1 | 0 | 0.0% |
| Graham County | 2 | 2 | 0 | 0.0% |
| Cochise County | 2 | 1 | 0 | 0.0% |
| Santa Cruz County | 2 | 0 | 0 | 0.0% |
| Yuma County | 2 | 1 | 1 | 50.0% |
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: 126 applications in 2025, of which 69 were originated and 18 denied.
14.3% of all applications, or 20.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Manufacturers and Traders Trust originated in Arizona in 2025 was 3.13%, against a statewide median of 6.50%.
About this data. Figures are Manufacturers and Traders Trust'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