PHH Mortgage in Arizona vs the state
7.6%Denial rate-8.64 pts vs state
15.5%Decision denial rate-4.88 pts vs state
40.2%Origination rate-19.27 pts vs state
6.13%Median rate-0.38 pts vs state
0.03Rate spread (pts)-0.20 pts vs state
$84kMedian applicant income
265Loans originated
50Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 406 | 203 | 20.0% | 7.04% | #111 |
| 2024 | 572 | 198 | 11.4% | 6.50% | #97 |
| 2025 | 659 | 265 | 7.6% | 6.13% | #95 |
What PHH Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 377 | 153 | 25 | 6.6% |
| Pima County | 87 | 33 | 8 | 9.2% |
| Pinal County | 65 | 19 | 2 | 3.1% |
| Mohave County | 36 | 13 | 5 | 13.9% |
| Yavapai County | 30 | 15 | 7 | 23.3% |
| Cochise County | 20 | 8 | 1 | 5.0% |
| Coconino County | 16 | 10 | 0 | 0.0% |
| Santa Cruz County | 9 | 4 | 1 | 11.1% |
| Navajo County | 7 | 5 | 0 | 0.0% |
| Yuma County | 5 | 2 | 1 | 20.0% |
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: 659 applications in 2025, of which 265 were originated and 50 denied.
7.6% of all applications, or 15.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans PHH Mortgage originated in Arizona in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are PHH Mortgage'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