South River Mortgage in Arizona vs the state
1.8%Denial rate-14.40 pts vs state
4.8%Decision denial rate-15.65 pts vs state
36.7%Origination rate-22.78 pts vs state
6.38%Median rate-0.13 pts vs state
—Rate spread (pts)
$24kMedian applicant income
40Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 2 | 37.5% | 9.68% | #547 |
| 2024 | 30 | 29 | 0.0% | 6.51% | #360 |
| 2025 | 109 | 40 | 1.8% | 6.38% | #234 |
What South River Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 60 | 22 | 1 | 1.7% |
| Pima County | 17 | 5 | 1 | 5.9% |
| Pinal County | 10 | 4 | 0 | 0.0% |
| Mohave County | 7 | 2 | 0 | 0.0% |
| Yavapai County | 7 | 5 | 0 | 0.0% |
| Gila County | 3 | 0 | 0 | 0.0% |
| Cochise County | 2 | 0 | 0 | 0.0% |
| La Paz County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 0 | 0 | 0.0% |
| Graham 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: 109 applications in 2025, of which 40 were originated and 2 denied.
1.8% of all applications, or 4.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans South River Mortgage originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are South River 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