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Coconino County, Arizona · 2025

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

325 lenders acted on 4,882 mortgage applications for properties in Coconino County in 2025. 16.1% were denied (Arizona: 16.2%). Median rate on closed loans 6.75%; median loan $335,000; median property value $635,000.

4.9kApplications
16.1%Denial ratestate 16.2%
6.75%Median ratestate 6.50%
$335,000Median loan
$635,000Median property value

Largest lenders in Coconino County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 444347 7.7%6.50%
2 OneAZ Credit Union D 306177 20.9%7.25%
3 Rocket Mortgage C 295211 17.0%6.75%
4 Guild Mortgage A 186141 4.3%6.63%
5 Desert Financial Credit Union B 15194 21.2%6.49%
6 Crosscountry Mortgage B 13085 3.9%6.63%
7 Zions Bancorporation B 11164 27.0%7.93%
8 Vanderbilt Mortgage and Finance F 11017 31.8%10.25%
9 Ark-La-Tex Financial Services, LLC. A 10482 0.0%6.63%
10 Pennymac Loan Services C 10260 9.8%6.62%
11 Newrez D 8935 12.4%6.13%
12 Fairway Independent Mortgage B 8762 11.5%6.63%
13 Bank of America F 8333 28.9%6.24%
14 The Loan Store B 8156 17.3%6.88%
15 Intercap Lending A 8070 1.3%6.50%
16 JPMorgan Chase Bank B 7948 11.4%6.37%
17 CMG Mortgage A 7152 2.8%7.06%
18 21st Mortgage F 6616 39.4%9.17%
19 V.i.p. Mortgage B 6150 3.3%6.75%
20 Spring Eq D 5921 42.4%7.99%
21 Guaranteed Rate B 5634 1.8%6.73%
22 U.S. Bank D 5433 16.7%6.49%
23 AMERICA FIRST Federal Credit Union C 5329 24.5%7.13%
24 Triad Financial Services D 5116 35.3%8.82%
25 Moria Development B 4733 0.0%7.00%

Best approval odds in Coconino County

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

#LenderDecidedDecision denial rate
1Ark-La-Tex Financial Services, LLC.830.0%
2Intercap Lending751.3%
3CMG Mortgage603.3%
4V.i.p. Mortgage523.9%
5Guild Mortgage1555.2%
6Crosscountry Mortgage925.4%
7United Shore Financial Services3878.8%
8Fairway Independent Mortgage7313.7%
9Pennymac Loan Services7114.1%
10JPMorgan Chase Bank5715.8%

What Coconino County borrowers applied for

By loan purpose

Home purchase 2,196 45% · 10.3% denied
Refinance 880 18% · 13.4% denied
Cash-out refinance 832 17% · 20.6% denied
Home improvement 456 9% · 26.1% denied
Other / HELOC 518 11% · 28.8% denied

By loan type

Conventional 4,160 85% · 16.8% denied
FHA 436 9% · 14.0% denied
VA 283 6% · 8.8% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 234 30%
Other 125 16%
Credit history 122 16%
Collateral 121 15%
Incomplete application 111 14%
Unverifiable information 37 5%
Insufficient cash 27 3%
Employment history 4 1%

Coconino County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8722,08920.4%6.99%$295,000
20244,4322,50118.6%6.99%$315,000
20254,8822,90516.1%6.75%$335,000

Frequently asked questions

16.1% of applications in Coconino County were denied in 2025, against 16.2% statewide in Arizona.

United Shore Financial Services, with 444 applications in 2025 and a denial rate of 7.7%.

The median mortgage application in Coconino County in 2025 was for $335,000; the median property value on originated loans was $635,000.