Sfmc in Arizona vs the state
5.6%Denial rate-10.67 pts vs state
6.3%Decision denial rate-14.16 pts vs state
80.6%Origination rate+21.08 pts vs state
6.75%Median rate+0.25 pts vs state
0.36Rate spread (pts)+0.14 pts vs state
$137kMedian applicant income
29Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 29 | 10.5% | 6.75% | #341 |
| 2024 | 28 | 21 | 3.6% | 6.99% | #365 |
| 2025 | 36 | 29 | 5.6% | 6.75% | #351 |
What Sfmc lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Sfmc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 26 | 21 | 1 | 3.8% |
| Pinal County | 8 | 6 | 1 | 12.5% |
| Pima County | 1 | 1 | 0 | 0.0% |
| Coconino 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: 36 applications in 2025, of which 29 were originated and 2 denied.
5.6% of all applications, or 6.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Sfmc originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Sfmc'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