NFM in Arizona vs the state
1.2%Denial rate-15.04 pts vs state
1.3%Decision denial rate-19.09 pts vs state
88.6%Origination rate+29.16 pts vs state
4.99%Median rate-1.51 pts vs state
-0.96Rate spread (pts)-1.18 pts vs state
$115kMedian applicant income
897Loans originated
12Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,300 | 1,048 | 1.9% | 5.99% | #50 |
| 2024 | 1,185 | 1,050 | 1.6% | 5.25% | #58 |
| 2025 | 1,012 | 897 | 1.2% | 4.99% | #72 |
What NFM lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 825 | 732 | 10 | 1.2% |
| Pinal County | 154 | 134 | 2 | 1.3% |
| Pima County | 15 | 13 | 0 | 0.0% |
| Coconino County | 4 | 4 | 0 | 0.0% |
| Yavapai County | 4 | 4 | 0 | 0.0% |
| Gila County | 4 | 4 | 0 | 0.0% |
| Navajo County | 3 | 3 | 0 | 0.0% |
| Mohave County | 2 | 2 | 0 | 0.0% |
| Yuma 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: 1,012 applications in 2025, of which 897 were originated and 12 denied.
1.2% of all applications, or 1.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans NFM originated in Arizona in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are NFM'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