Universal Lending in Arizona vs the state
5.2%Denial rate-11.07 pts vs state
5.6%Decision denial rate-14.78 pts vs state
86.5%Origination rate+27.03 pts vs state
5.13%Median rate-1.38 pts vs state
-0.95Rate spread (pts)-1.17 pts vs state
$108kMedian applicant income
218Loans originated
13Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 7.13% | #619 |
| 2024 | 32 | 26 | 3.1% | 5.50% | #351 |
| 2025 | 252 | 218 | 5.2% | 5.13% | #160 |
What Universal Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Universal Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 209 | 182 | 12 | 5.7% |
| Pinal County | 42 | 35 | 1 | 2.4% |
| Pima 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: 252 applications in 2025, of which 218 were originated and 13 denied.
5.2% of all applications, or 5.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Universal Lending originated in Arizona in 2025 was 5.13%, against a statewide median of 6.50%.
About this data. Figures are Universal Lending'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