Oaktree Funding in Arizona vs the state
4.1%Denial rate-12.16 pts vs state
4.6%Decision denial rate-15.86 pts vs state
57.0%Origination rate-2.47 pts vs state
7.38%Median rate+0.88 pts vs state
1.08Rate spread (pts)+0.86 pts vs state
$226kMedian applicant income
126Loans originated
9Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 128 | 44 | 10.2% | 8.75% | #204 |
| 2024 | 187 | 85 | 4.8% | 7.75% | #171 |
| 2025 | 221 | 126 | 4.1% | 7.38% | #169 |
What Oaktree Funding lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 165 | 98 | 6 | 3.6% |
| Pima County | 16 | 4 | 1 | 6.3% |
| Pinal County | 12 | 7 | 1 | 8.3% |
| Coconino County | 7 | 5 | 0 | 0.0% |
| Mohave County | 6 | 4 | 0 | 0.0% |
| Yavapai County | 6 | 2 | 1 | 16.7% |
| Yuma County | 3 | 2 | 0 | 0.0% |
| Navajo County | 2 | 1 | 0 | 0.0% |
| Graham County | 1 | 1 | 0 | 0.0% |
| Cochise County | 1 | 0 | 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: 221 applications in 2025, of which 126 were originated and 9 denied.
4.1% of all applications, or 4.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Oaktree Funding originated in Arizona in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Oaktree Funding'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