Zillow Home Loans in Arizona vs the state
5.2%Denial rate-11.07 pts vs state
6.4%Decision denial rate-13.97 pts vs state
74.1%Origination rate+14.60 pts vs state
6.50%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$109kMedian applicant income
603Loans originated
42Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 526 | 400 | 4.4% | 6.63% | #98 |
| 2024 | 907 | 673 | 4.4% | 6.63% | #71 |
| 2025 | 814 | 603 | 5.2% | 6.50% | #81 |
What Zillow Home Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 616 | 461 | 32 | 5.2% |
| Pinal County | 98 | 66 | 5 | 5.1% |
| Pima County | 47 | 39 | 2 | 4.3% |
| Mohave County | 20 | 12 | 2 | 10.0% |
| Yavapai County | 14 | 11 | 0 | 0.0% |
| Navajo County | 6 | 3 | 0 | 0.0% |
| Graham County | 4 | 3 | 1 | 25.0% |
| Gila County | 3 | 2 | 0 | 0.0% |
| Yuma County | 3 | 3 | 0 | 0.0% |
| Cochise County | 2 | 2 | 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: 814 applications in 2025, of which 603 were originated and 42 denied.
5.2% of all applications, or 6.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Zillow Home Loans originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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