Vanderbilt Mortgage and Finance in Arizona vs the state
36.1%Denial rate+19.87 pts vs state
70.7%Decision denial rate+50.31 pts vs state
12.0%Origination rate-47.52 pts vs state
9.75%Median rate+3.25 pts vs state
3.97Rate spread (pts)+3.74 pts vs state
$67kMedian applicant income
160Loans originated
483Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,355 | 138 | 48.7% | 9.25% | #45 |
| 2024 | 1,497 | 173 | 42.6% | 9.50% | #47 |
| 2025 | 1,338 | 160 | 36.1% | 9.75% | #51 |
What Vanderbilt Mortgage and Finance lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 348 | 28 | 119 | 34.2% |
| Apache County | 233 | 26 | 120 | 51.5% |
| Pima County | 172 | 15 | 48 | 27.9% |
| Navajo County | 119 | 12 | 63 | 52.9% |
| Coconino County | 110 | 17 | 35 | 31.8% |
| Yavapai County | 99 | 15 | 21 | 21.2% |
| Pinal County | 96 | 8 | 34 | 35.4% |
| Mohave County | 53 | 16 | 13 | 24.5% |
| Graham County | 35 | 11 | 10 | 28.6% |
| Cochise County | 31 | 7 | 7 | 22.6% |
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: 1,338 applications in 2025, of which 160 were originated and 483 denied.
36.1% of all applications, or 70.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Arizona in 2025 was 9.75%, against a statewide median of 6.50%.
About this data. Figures are Vanderbilt Mortgage and Finance'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