Sierra Pacific Mortgage Company in Arizona vs the state
7.7%Denial rate-8.56 pts vs state
9.5%Decision denial rate-10.93 pts vs state
71.4%Origination rate+11.92 pts vs state
6.88%Median rate+0.38 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$115kMedian applicant income
307Loans originated
33Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 302 | 212 | 12.3% | 6.81% | #131 |
| 2024 | 341 | 233 | 12.0% | 6.75% | #122 |
| 2025 | 430 | 307 | 7.7% | 6.88% | #124 |
What Sierra Pacific Mortgage Company lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 213 | 156 | 13 | 6.1% |
| Graham County | 78 | 52 | 10 | 12.8% |
| Yavapai County | 39 | 27 | 1 | 2.6% |
| Pima County | 32 | 23 | 3 | 9.4% |
| Pinal County | 28 | 20 | 4 | 14.3% |
| Navajo County | 13 | 9 | 0 | 0.0% |
| Mohave County | 7 | 6 | 0 | 0.0% |
| Yuma County | 5 | 4 | 0 | 0.0% |
| Cochise County | 4 | 4 | 0 | 0.0% |
| Gila County | 4 | 3 | 1 | 25.0% |
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: 430 applications in 2025, of which 307 were originated and 33 denied.
7.7% of all applications, or 9.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Sierra Pacific Mortgage Company originated in Arizona in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Sierra Pacific Mortgage Company'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