Nations Direct Mortgage in Arizona vs the state
8.7%Denial rate-7.53 pts vs state
11.7%Decision denial rate-8.76 pts vs state
65.9%Origination rate+6.46 pts vs state
6.62%Median rate+0.12 pts vs state
0.43Rate spread (pts)+0.21 pts vs state
$131kMedian applicant income
91Loans originated
12Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 179 | 101 | 12.9% | 7.13% | #165 |
| 2024 | 162 | 105 | 9.3% | 6.88% | #185 |
| 2025 | 138 | 91 | 8.7% | 6.62% | #207 |
What Nations Direct Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 102 | 65 | 10 | 9.8% |
| Pinal County | 14 | 9 | 1 | 7.1% |
| Pima County | 7 | 6 | 1 | 14.3% |
| Mohave County | 4 | 3 | 0 | 0.0% |
| Yavapai County | 3 | 3 | 0 | 0.0% |
| Santa Cruz County | 2 | 0 | 0 | 0.0% |
| Gila County | 2 | 2 | 0 | 0.0% |
| Yuma County | 1 | 0 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| 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: 138 applications in 2025, of which 91 were originated and 12 denied.
8.7% of all applications, or 11.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Nations Direct Mortgage originated in Arizona in 2025 was 6.62%, against a statewide median of 6.50%.
About this data. Figures are Nations Direct 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