Zippy Loans in Arizona vs the state
40.8%Denial rate+24.57 pts vs state
61.5%Decision denial rate+41.04 pts vs state
25.6%Origination rate-33.88 pts vs state
9.22%Median rate+2.72 pts vs state
0.04Rate spread (pts)-0.18 pts vs state
$69kMedian applicant income
32Loans originated
51Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 132 | 44 | 40.9% | 9.62% | #206 |
| 2025 | 125 | 32 | 40.8% | 9.22% | #219 |
What Zippy Loans lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 62 | 27 | 19 | 30.6% |
| Pima County | 13 | 5 | 6 | 46.2% |
| Yavapai County | 2 | 0 | 1 | 50.0% |
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: 125 applications in 2025, of which 32 were originated and 51 denied.
40.8% of all applications, or 61.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Zippy Loans originated in Arizona in 2025 was 9.22%, against a statewide median of 6.50%.
About this data. Figures are Zippy 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