Resicentral in Arizona vs the state
3.2%Denial rate-12.99 pts vs state
4.5%Decision denial rate-15.95 pts vs state
66.0%Origination rate+6.54 pts vs state
6.38%Median rate-0.13 pts vs state
-0.01Rate spread (pts)-0.23 pts vs state
$106kMedian applicant income
204Loans originated
10Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 76 | 7.0% | 6.75% | #215 |
| 2024 | 316 | 223 | 2.5% | 6.63% | #129 |
| 2025 | 309 | 204 | 3.2% | 6.38% | #146 |
What Resicentral lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 198 | 131 | 6 | 3.0% |
| Pinal County | 37 | 23 | 2 | 5.4% |
| Pima County | 30 | 18 | 1 | 3.3% |
| Yavapai County | 16 | 13 | 0 | 0.0% |
| Mohave County | 7 | 5 | 0 | 0.0% |
| Coconino County | 4 | 3 | 0 | 0.0% |
| Navajo County | 3 | 2 | 0 | 0.0% |
| Gila County | 3 | 3 | 0 | 0.0% |
| La Paz County | 3 | 1 | 0 | 0.0% |
| Santa Cruz County | 3 | 2 | 1 | 33.3% |
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: 309 applications in 2025, of which 204 were originated and 10 denied.
3.2% of all applications, or 4.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Resicentral originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Resicentral'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