OCMBC in Arizona vs the state
8.4%Denial rate-7.82 pts vs state
11.3%Decision denial rate-9.11 pts vs state
54.3%Origination rate-5.22 pts vs state
7.13%Median rate+0.63 pts vs state
0.72Rate spread (pts)+0.50 pts vs state
$136kMedian applicant income
439Loans originated
68Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 550 | 295 | 23.1% | 8.00% | #94 |
| 2024 | 703 | 391 | 14.4% | 7.50% | #86 |
| 2025 | 809 | 439 | 8.4% | 7.13% | #83 |
What OCMBC lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 526 | 280 | 41 | 7.8% |
| Pima County | 83 | 44 | 5 | 6.0% |
| Pinal County | 63 | 28 | 6 | 9.5% |
| Mohave County | 46 | 30 | 2 | 4.3% |
| Yavapai County | 32 | 23 | 2 | 6.3% |
| Yuma County | 20 | 9 | 8 | 40.0% |
| Coconino County | 15 | 8 | 3 | 20.0% |
| Navajo County | 13 | 11 | 0 | 0.0% |
| Gila County | 4 | 3 | 0 | 0.0% |
| La Paz County | 4 | 1 | 1 | 25.0% |
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: 809 applications in 2025, of which 439 were originated and 68 denied.
8.4% of all applications, or 11.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans OCMBC originated in Arizona in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are OCMBC'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