Nations Lending in Arizona vs the state
3.3%Denial rate-12.98 pts vs state
3.5%Decision denial rate-16.95 pts vs state
76.3%Origination rate+16.84 pts vs state
6.50%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.09 pts vs state
$128kMedian applicant income
564Loans originated
24Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 635 | 493 | 1.7% | 6.75% | #87 |
| 2024 | 806 | 606 | 2.4% | 6.63% | #78 |
| 2025 | 739 | 564 | 3.3% | 6.50% | #87 |
What Nations Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 444 | 332 | 11 | 2.5% |
| Pima County | 111 | 90 | 4 | 3.6% |
| Yavapai County | 83 | 63 | 1 | 1.2% |
| Pinal County | 53 | 40 | 3 | 5.7% |
| Mohave County | 16 | 13 | 3 | 18.8% |
| Yuma County | 9 | 8 | 0 | 0.0% |
| Coconino County | 6 | 4 | 1 | 16.7% |
| Cochise County | 6 | 6 | 0 | 0.0% |
| Navajo County | 5 | 3 | 1 | 20.0% |
| Gila County | 4 | 4 | 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: 739 applications in 2025, of which 564 were originated and 24 denied.
3.3% of all applications, or 3.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Nations Lending originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Nations 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