Veritas Funding in Arizona vs the state
6.0%Denial rate-10.20 pts vs state
11.5%Decision denial rate-8.93 pts vs state
37.9%Origination rate-21.55 pts vs state
6.00%Median rate-0.50 pts vs state
0.38Rate spread (pts)+0.16 pts vs state
$70kMedian applicant income
44Loans originated
7Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 47 | 1.5% | 6.50% | #195 |
| 2024 | 109 | 38 | 6.4% | 6.50% | #228 |
| 2025 | 116 | 44 | 6.0% | 6.00% | #229 |
What Veritas Funding lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Veritas Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 58 | 16 | 2 | 3.4% |
| Pima County | 16 | 9 | 0 | 0.0% |
| Pinal County | 13 | 6 | 3 | 23.1% |
| Mohave County | 10 | 4 | 1 | 10.0% |
| Yavapai County | 6 | 1 | 1 | 16.7% |
| Navajo County | 4 | 1 | 0 | 0.0% |
| Yuma County | 4 | 4 | 0 | 0.0% |
| Santa Cruz County | 2 | 1 | 0 | 0.0% |
| Graham County | 1 | 0 | 0 | 0.0% |
| Cochise 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: 116 applications in 2025, of which 44 were originated and 7 denied.
6.0% of all applications, or 11.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Veritas Funding originated in Arizona in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Veritas Funding'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