Union Home Mortgage in Arizona vs the state
5.3%Denial rate-10.91 pts vs state
6.7%Decision denial rate-13.73 pts vs state
72.3%Origination rate+12.78 pts vs state
6.50%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.03 pts vs state
$138kMedian applicant income
693Loans originated
51Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 198 | 6.1% | 6.88% | #133 |
| 2024 | 458 | 317 | 5.7% | 6.63% | #107 |
| 2025 | 959 | 693 | 5.3% | 6.50% | #74 |
What Union Home Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 622 | 442 | 33 | 5.3% |
| Pinal County | 74 | 55 | 7 | 9.5% |
| Pima County | 68 | 51 | 1 | 1.5% |
| Mohave County | 60 | 38 | 4 | 6.7% |
| Yavapai County | 50 | 38 | 2 | 4.0% |
| Graham County | 35 | 30 | 1 | 2.9% |
| Navajo County | 13 | 8 | 2 | 15.4% |
| Yuma County | 11 | 9 | 1 | 9.1% |
| Coconino County | 9 | 7 | 0 | 0.0% |
| Cochise County | 8 | 8 | 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: 959 applications in 2025, of which 693 were originated and 51 denied.
5.3% of all applications, or 6.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Union Home Mortgage originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Union Home 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