Vantage West in Arizona vs the state
24.3%Denial rate+8.09 pts vs state
25.9%Decision denial rate+5.46 pts vs state
55.1%Origination rate-4.37 pts vs state
7.50%Median rate+1.00 pts vs state
0.33Rate spread (pts)+0.11 pts vs state
$97kMedian applicant income
1,278Loans originated
564Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,079 | 1,126 | 22.9% | 8.50% | #32 |
| 2024 | 2,092 | 1,146 | 26.4% | 8.50% | #36 |
| 2025 | 2,319 | 1,278 | 24.3% | 7.50% | #33 |
What Vantage West lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Vantage West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 1,685 | 949 | 405 | 24.0% |
| Maricopa County | 372 | 200 | 85 | 22.8% |
| Pinal County | 158 | 85 | 46 | 29.1% |
| Cochise County | 43 | 19 | 12 | 27.9% |
| Santa Cruz County | 30 | 13 | 7 | 23.3% |
| Yavapai County | 11 | 3 | 4 | 36.4% |
| Navajo County | 7 | 4 | 2 | 28.6% |
| Yuma County | 4 | 1 | 2 | 50.0% |
| Gila County | 3 | 1 | 0 | 0.0% |
| Coconino County | 3 | 2 | 1 | 33.3% |
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: 2,319 applications in 2025, of which 1,278 were originated and 564 denied.
24.3% of all applications, or 25.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Vantage West originated in Arizona in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Vantage West'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