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Cochise County, Arizona · 2025

Mortgage lenders in Cochise County, AZ: denial rates and top lenders (2025)

234 lenders acted on 5,076 mortgage applications for properties in Cochise County in 2025. 16.4% were denied (Arizona: 16.2%). Median rate on closed loans 6.50%; median loan $205,000; median property value $285,000.

5.1kApplications
16.4%Denial ratestate 16.2%
6.50%Median ratestate 6.50%
$205,000Median loan
$285,000Median property value

Largest lenders in Cochise County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Crosscountry Mortgage B 675453 3.0%6.25%
2 Rocket Mortgage C 316220 18.0%6.50%
3 United Shore Financial Services B 295194 16.3%6.10%
4 Mortgage Research Center C 215103 15.8%6.13%
5 Navy Federal Credit Union D 20195 21.9%7.50%
6 Guild Mortgage A 166127 7.8%6.63%
7 Freedom Mortgage B 14665 5.5%5.88%
8 Pennymac Loan Services C 14461 11.1%6.25%
9 Nova Financial & Investment C 12775 18.9%6.49%
10 Loandepot.Com D 11667 24.1%7.00%
11 BoxCar Mortgage A 11299 2.7%6.49%
12 Newrez D 11129 22.5%6.25%
13 Fairway Independent Mortgage B 8978 2.3%6.49%
14 New Day Financial F 6820 17.7%6.99%
15 Zions Bancorporation B 6733 29.9%7.75%
16 AmeriSave Mortgage D 6514 63.1%6.56%
17 Bank of America F 6424 35.9%6.49%
18 Figure Lending C 6338 23.8%8.63%
19 Altitude Financial A 6247 1.6%6.63%
20 Geneva Financial C 6052 0.0%6.63%
21 Broker Solutions D 5715 12.3%6.63%
22 Equity Prime Mortgage D 5420 16.7%6.25%
23 Inspire Home Loans B 5135 9.8%5.88%
24 Spring Eq D 4917 57.1%8.68%
25 American Southwest – 4936 18.4%7.47%

Best approval odds in Cochise County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Geneva Financial530.0%
2Fairway Independent Mortgage802.5%
3BoxCar Mortgage1042.9%
4Crosscountry Mortgage4834.1%
5Freedom Mortgage928.7%
6Guild Mortgage1419.2%
7United Shore Financial Services25119.1%
8Rocket Mortgage28619.9%
9Pennymac Loan Services7820.5%
10Nova Financial & Investment10522.9%

What Cochise County borrowers applied for

By loan purpose

Home purchase 1,956 39% · 9.0% denied
Refinance 1,026 20% · 11.3% denied
Cash-out refinance 1,211 24% · 23.4% denied
Home improvement 347 7% · 29.1% denied
Other / HELOC 536 11% · 29.3% denied

By loan type

Conventional 2,525 50% · 20.1% denied
FHA 877 17% · 17.6% denied
VA 1,609 32% · 10.1% denied
USDA / RHS 65 1% · 12.3% denied

Why applications were denied

Debt-to-income ratio 185 22%
Credit history 177 21%
Incomplete application 166 20%
Collateral 157 19%
Other 88 11%
Unverifiable information 34 4%
Insufficient cash 20 2%
Employment history 6 1%

Cochise County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,9572,12818.4%6.75%$185,000
20244,5432,56415.9%6.75%$195,000
20255,0762,81816.4%6.50%$205,000

Frequently asked questions

16.4% of applications in Cochise County were denied in 2025, against 16.2% statewide in Arizona.

Crosscountry Mortgage, with 675 applications in 2025 and a denial rate of 3.0%.

The median mortgage application in Cochise County in 2025 was for $205,000; the median property value on originated loans was $285,000.