Southwest Stage Funding in Arizona vs the state
26.0%Denial rate+9.73 pts vs state
41.5%Decision denial rate+21.13 pts vs state
19.2%Origination rate-40.25 pts vs state
5.88%Median rate-0.63 pts vs state
-0.19Rate spread (pts)-0.41 pts vs state
$82kMedian applicant income
20Loans originated
27Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 19 | 46.0% | 6.75% | #342 |
| 2024 | 115 | 14 | 7.8% | 7.28% | #223 |
| 2025 | 104 | 20 | 26.0% | 5.88% | #238 |
What Southwest Stage Funding lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 44 | 9 | 16 | 36.4% |
| Cochise County | 16 | 5 | 2 | 12.5% |
| Yavapai County | 10 | 3 | 3 | 30.0% |
| Pinal County | 10 | 0 | 3 | 30.0% |
| Coconino County | 7 | 2 | 2 | 28.6% |
| Maricopa County | 6 | 0 | 1 | 16.7% |
| Graham County | 3 | 0 | 0 | 0.0% |
| Gila County | 3 | 0 | 0 | 0.0% |
| Apache County | 2 | 0 | 0 | 0.0% |
| Mohave 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: 104 applications in 2025, of which 20 were originated and 27 denied.
26.0% of all applications, or 41.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Southwest Stage Funding originated in Arizona in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Southwest Stage Funding'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