Mortgage Research Center in Arizona vs the state
18.8%Denial rate+2.57 pts vs state
30.4%Decision denial rate+9.94 pts vs state
42.6%Origination rate-16.91 pts vs state
6.13%Median rate-0.38 pts vs state
-0.38Rate spread (pts)-0.60 pts vs state
$98kMedian applicant income
1,565Loans originated
691Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,386 | 1,075 | 14.7% | 6.63% | #28 |
| 2024 | 2,829 | 1,269 | 17.1% | 6.25% | #25 |
| 2025 | 3,676 | 1,565 | 18.8% | 6.13% | #19 |
What Mortgage Research Center lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,484 | 589 | 296 | 19.9% |
| Pima County | 670 | 258 | 142 | 21.2% |
| Pinal County | 378 | 177 | 62 | 16.4% |
| Mohave County | 281 | 138 | 43 | 15.3% |
| Cochise County | 215 | 103 | 34 | 15.8% |
| Yuma County | 210 | 105 | 35 | 16.7% |
| Yavapai County | 195 | 91 | 34 | 17.4% |
| Navajo County | 79 | 29 | 14 | 17.7% |
| Gila County | 50 | 19 | 8 | 16.0% |
| Coconino County | 39 | 17 | 6 | 15.4% |
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: 3,676 applications in 2025, of which 1,565 were originated and 691 denied.
18.8% of all applications, or 30.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Mortgage Research Center originated in Arizona in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Research Center'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