Mutual of Omaha Mortgage in Arizona vs the state
12.1%Denial rate-4.10 pts vs state
15.2%Decision denial rate-5.25 pts vs state
65.6%Origination rate+6.14 pts vs state
6.38%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$81kMedian applicant income
855Loans originated
158Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 908 | 515 | 23.5% | 6.99% | #70 |
| 2024 | 1,084 | 719 | 16.6% | 6.63% | #62 |
| 2025 | 1,303 | 855 | 12.1% | 6.38% | #52 |
What Mutual of Omaha Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 806 | 565 | 70 | 8.7% |
| Pima County | 132 | 69 | 29 | 22.0% |
| Pinal County | 118 | 75 | 20 | 16.9% |
| Yavapai County | 68 | 43 | 8 | 11.8% |
| Mohave County | 66 | 42 | 11 | 16.7% |
| Cochise County | 27 | 15 | 6 | 22.2% |
| Coconino County | 19 | 10 | 2 | 10.5% |
| Yuma County | 18 | 10 | 2 | 11.1% |
| Gila County | 18 | 11 | 4 | 22.2% |
| Navajo County | 15 | 7 | 4 | 26.7% |
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: 1,303 applications in 2025, of which 855 were originated and 158 denied.
12.1% of all applications, or 15.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Mutual of Omaha Mortgage originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Mutual of Omaha Mortgage'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