Traditional Mortgage Acceptance in Arizona vs the state
14.9%Denial rate-1.29 pts vs state
15.7%Decision denial rate-4.75 pts vs state
78.2%Origination rate+18.68 pts vs state
5.88%Median rate-0.63 pts vs state
—Rate spread (pts)
$28kMedian applicant income
68Loans originated
13Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 31 | 11.6% | 7.59% | #324 |
| 2024 | 88 | 71 | 9.1% | 6.68% | #256 |
| 2025 | 87 | 68 | 14.9% | 5.88% | #259 |
What Traditional Mortgage Acceptance lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 35 | 24 | 8 | 22.9% |
| Pima County | 22 | 21 | 1 | 4.5% |
| Pinal County | 9 | 8 | 1 | 11.1% |
| Yavapai County | 8 | 7 | 0 | 0.0% |
| Cochise County | 4 | 3 | 1 | 25.0% |
| Mohave County | 3 | 3 | 0 | 0.0% |
| Coconino County | 2 | 0 | 2 | 100.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Santa Cruz County | 1 | 1 | 0 | 0.0% |
| Gila County | 1 | 0 | 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: 87 applications in 2025, of which 68 were originated and 13 denied.
14.9% of all applications, or 15.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Traditional Mortgage Acceptance originated in Arizona in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Traditional Mortgage Acceptance'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