Village Capital & Investment in Arizona vs the state
22.0%Denial rate+5.80 pts vs state
29.0%Decision denial rate+8.56 pts vs state
32.3%Origination rate-27.18 pts vs state
5.75%Median rate-0.75 pts vs state
—Rate spread (pts)
$86kMedian applicant income
302Loans originated
206Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 528 | 122 | 17.2% | 6.13% | #97 |
| 2024 | 1,055 | 342 | 14.0% | 5.75% | #65 |
| 2025 | 935 | 302 | 22.0% | 5.75% | #76 |
What Village Capital & Investment lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 432 | 138 | 94 | 21.8% |
| Pinal County | 141 | 41 | 37 | 26.2% |
| Pima County | 119 | 39 | 23 | 19.3% |
| Mohave County | 78 | 21 | 23 | 29.5% |
| Yavapai County | 52 | 20 | 13 | 25.0% |
| Cochise County | 37 | 16 | 3 | 8.1% |
| Yuma County | 32 | 8 | 4 | 12.5% |
| Navajo County | 12 | 6 | 3 | 25.0% |
| Santa Cruz County | 10 | 4 | 2 | 20.0% |
| Apache County | 6 | 4 | 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: 935 applications in 2025, of which 302 were originated and 206 denied.
22.0% of all applications, or 29.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Village Capital & Investment originated in Arizona in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Village Capital & Investment'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