Ony Glo in Arizona vs the state
24.6%Denial rate+8.32 pts vs state
26.5%Decision denial rate+6.06 pts vs state
68.2%Origination rate+8.70 pts vs state
6.25%Median rate-0.25 pts vs state
-0.09Rate spread (pts)-0.31 pts vs state
$110kMedian applicant income
75Loans originated
27Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 26 | 34.8% | 6.69% | #313 |
| 2024 | 60 | 38 | 26.7% | 6.50% | #286 |
| 2025 | 110 | 75 | 24.6% | 6.25% | #233 |
What Ony Glo lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 68 | 51 | 13 | 19.1% |
| Maricopa County | 28 | 14 | 10 | 35.7% |
| Pinal County | 4 | 4 | 0 | 0.0% |
| Mohave County | 3 | 2 | 1 | 33.3% |
| Santa Cruz County | 2 | 1 | 1 | 50.0% |
| La Paz County | 2 | 1 | 1 | 50.0% |
| Cochise County | 1 | 1 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| Yavapai County | 1 | 0 | 1 | 100.0% |
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: 110 applications in 2025, of which 75 were originated and 27 denied.
24.6% of all applications, or 26.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Ony Glo originated in Arizona in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Ony Glo'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