V.i.p. Mortgage in Arizona vs the state
2.5%Denial rate-13.74 pts vs state
3.0%Decision denial rate-17.38 pts vs state
79.2%Origination rate+19.74 pts vs state
6.62%Median rate+0.12 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$120kMedian applicant income
2,321Loans originated
73Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,763 | 2,912 | 3.0% | 6.75% | #13 |
| 2024 | 3,217 | 2,568 | 2.5% | 6.75% | #24 |
| 2025 | 2,930 | 2,321 | 2.5% | 6.62% | #25 |
What V.i.p. Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,659 | 1,323 | 45 | 2.7% |
| Pima County | 696 | 549 | 18 | 2.6% |
| Pinal County | 206 | 167 | 4 | 1.9% |
| Yavapai County | 170 | 134 | 3 | 1.8% |
| Coconino County | 61 | 50 | 2 | 3.3% |
| Navajo County | 35 | 26 | 1 | 2.9% |
| Mohave County | 31 | 23 | 0 | 0.0% |
| Cochise County | 27 | 17 | 0 | 0.0% |
| Santa Cruz County | 19 | 14 | 0 | 0.0% |
| Gila County | 16 | 10 | 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: 2,930 applications in 2025, of which 2,321 were originated and 73 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans V.i.p. Mortgage originated in Arizona in 2025 was 6.62%, against a statewide median of 6.50%.
About this data. Figures are V.i.p. Mortgage'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