United Shore Financial Services in Arizona vs the state
10.2%Denial rate-6.07 pts vs state
11.6%Decision denial rate-8.85 pts vs state
76.2%Origination rate+16.67 pts vs state
6.25%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.13 pts vs state
$111kMedian applicant income
19,328Loans originated
2,579Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17,949 | 13,831 | 10.0% | 6.50% | #1 |
| 2024 | 22,729 | 17,642 | 9.9% | 6.48% | #1 |
| 2025 | 25,383 | 19,328 | 10.2% | 6.25% | #1 |
What United Shore Financial Services lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 16,762 | 12,924 | 1,635 | 9.8% |
| Pinal County | 2,273 | 1,726 | 251 | 11.0% |
| Pima County | 1,996 | 1,429 | 234 | 11.7% |
| Mohave County | 1,122 | 865 | 103 | 9.2% |
| Yavapai County | 918 | 679 | 109 | 11.9% |
| Yuma County | 865 | 657 | 89 | 10.3% |
| Coconino County | 444 | 347 | 34 | 7.7% |
| Navajo County | 296 | 218 | 23 | 7.8% |
| Cochise County | 295 | 194 | 48 | 16.3% |
| Gila County | 192 | 138 | 23 | 12.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Newrez | D | 4,922 | 16.9% | 6.38% |
Frequently asked questions
Arizona: 25,383 applications in 2025, of which 19,328 were originated and 2,579 denied.
10.2% of all applications, or 11.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans United Shore Financial Services originated in Arizona in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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