Largest lenders in Graham County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | OneAZ Credit Union | D | 221 | 115 | 32.1% | 7.25% |
| 2 | Fairway Independent Mortgage | B | 162 | 125 | 6.8% | 6.63% |
| 3 | Nova Financial & Investment | C | 104 | 80 | 7.7% | 6.49% |
| 4 | Sierra Pacific Mortgage Company | C | 78 | 52 | 12.8% | 6.75% |
| 5 | Rocket Mortgage | C | 77 | 53 | 20.8% | 6.50% |
| 6 | United Shore Financial Services | B | 53 | 38 | 11.3% | 6.13% |
| 7 | BoxCar Mortgage | A | 51 | 43 | 5.9% | 6.63% |
| 8 | Pennymac Loan Services | C | 43 | 22 | 14.0% | 5.99% |
| 9 | Union Home Mortgage | B | 35 | 30 | 2.9% | 6.13% |
| 10 | Vanderbilt Mortgage and Finance | F | 35 | 11 | 28.6% | 10.50% |
| 11 | Nationstar Mortgage | C | 24 | 15 | 20.8% | 7.13% |
| 12 | The Loan Store | B | 23 | 16 | 8.7% | 6.56% |
| 13 | Zions Bancorporation | B | 21 | 8 | 52.4% | 8.10% |
| 14 | Freedom Mortgage | B | 21 | 12 | 9.5% | 6.25% |
| 15 | Loandepot.Com | D | 21 | 11 | 33.3% | 6.99% |
| 16 | 21st Mortgage | F | 20 | 5 | 50.0% | 8.79% |
| 17 | Newrez | D | 20 | 8 | 10.0% | 6.00% |
| 18 | Broker Solutions | D | 18 | 4 | 11.1% | 6.44% |
| 19 | Coastal Community Bank | C | 17 | 9 | 0.0% | 8.49% |
| 20 | Guild Mortgage | A | 16 | 10 | 0.0% | 6.38% |
| 21 | JPMorgan Chase Bank | B | 13 | 9 | 15.4% | 6.49% |
| 22 | Spring Eq | D | 12 | 4 | 50.0% | 8.63% |
| 23 | Lakeview Loan Servicing | C | 12 | 3 | 41.7% | 6.25% |
| 24 | Mortgage Research Center | C | 12 | 8 | 25.0% | 6.25% |
| 25 | Crosscountry Mortgage | B | 11 | 5 | 9.1% | 6.99% |
Best approval odds in Graham County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fairway Independent Mortgage | 138 | 8.0% |
| 2 | Nova Financial & Investment | 89 | 9.0% |
| 3 | Sierra Pacific Mortgage Company | 62 | 16.1% |
| 4 | Rocket Mortgage | 73 | 21.9% |
| 5 | OneAZ Credit Union | 189 | 37.6% |
What Graham County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Graham County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,059 | 597 | 19.2% | 6.75% | $185,000 |
| 2024 | 1,155 | 653 | 20.4% | 6.75% | $195,000 |
| 2025 | 1,448 | 846 | 19.0% | 6.63% | $205,000 |
Frequently asked questions
19.0% of applications in Graham County were denied in 2025, against 16.2% statewide in Arizona.
OneAZ Credit Union, with 221 applications in 2025 and a denial rate of 32.1%.
The median mortgage application in Graham County in 2025 was for $205,000; the median property value on originated loans was $325,000.