Pyramid in Arizona vs the state
14.7%Denial rate-1.52 pts vs state
16.3%Decision denial rate-4.15 pts vs state
75.0%Origination rate+15.52 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
102Loans originated
20Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 120 | 10.7% | — | #185 |
| 2024 | 155 | 134 | 7.1% | — | #189 |
| 2025 | 136 | 102 | 14.7% | — | #209 |
What Pyramid lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most Pyramid applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 133 | 100 | 19 | 14.3% |
| Santa Cruz County | 2 | 1 | 1 | 50.0% |
| Cochise 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: 136 applications in 2025, of which 102 were originated and 20 denied.
14.7% of all applications, or 16.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Pyramid'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