Royal United Mortgage in Arizona vs the state
22.2%Denial rate+5.99 pts vs state
27.1%Decision denial rate+6.71 pts vs state
56.9%Origination rate-2.54 pts vs state
6.50%Median rate0.00 pts vs state
0.73Rate spread (pts)+0.51 pts vs state
$46kMedian applicant income
41Loans originated
16Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 73 | 19.3% | 6.75% | #211 |
| 2024 | 119 | 74 | 22.7% | 6.81% | #219 |
| 2025 | 72 | 41 | 22.2% | 6.50% | #272 |
What Royal United Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 29 | 17 | 6 | 20.7% |
| Pima County | 14 | 12 | 0 | 0.0% |
| Pinal County | 9 | 2 | 3 | 33.3% |
| Mohave County | 6 | 5 | 1 | 16.7% |
| Yavapai County | 5 | 2 | 1 | 20.0% |
| Cochise County | 4 | 2 | 1 | 25.0% |
| Gila County | 2 | 0 | 2 | 100.0% |
| Santa Cruz County | 1 | 0 | 1 | 100.0% |
| La Paz County | 1 | 1 | 0 | 0.0% |
| Yuma 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: 72 applications in 2025, of which 41 were originated and 16 denied.
22.2% of all applications, or 27.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Royal United Mortgage originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Royal United 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