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La Paz County, Arizona · 2025

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

116 lenders acted on 419 mortgage applications for properties in La Paz County in 2025. 22.2% were denied (Arizona: 16.2%). Median rate on closed loans 6.88%; median loan $185,000; median property value $300,000.

419Applications
22.2%Denial ratestate 16.2%
6.88%Median ratestate 6.50%
$185,000Median loan
$300,000Median property value

Largest lenders in La Paz County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 3425 20.6%6.62%
2 Rocket Mortgage C 2617 26.9%6.50%
3 21st Mortgage F 194 36.8%8.65%
4 Mortgage Research Center C 176 35.3%6.00%
5 Arizona Financial Credit Union D 166 25.0%7.19%
6 Newrez D 156 6.7%6.38%
7 Broker Solutions D 142 21.4%6.93%
8 Nova Financial & Investment C 139 15.4%6.50%
9 Zions Bancorporation B 115 54.6%7.75%
10 Credit Human Federal Credit Union D 96 11.1%8.00%
11 Paramount Residential Mortgage Group B 95 0.0%7.13%
12 Fairway Independent Mortgage B 85 12.5%7.38%
13 Desert Financial Credit Union B 83 37.5%6.49%
14 Guild Mortgage A 87 0.0%7.25%
15 Crosscountry Mortgage B 72 0.0%8.38%
16 Equity Prime Mortgage D 73 0.0%6.88%
17 Triad Financial Services D 73 14.3%8.80%
18 Navy Federal Credit Union D 72 42.9%7.56%
19 AmeriSave Mortgage D 62 33.3%6.50%
20 Guaranteed Rate B 61 0.0%6.63%
21 The Loan Store B 63 0.0%7.49%
22 Vanderbilt Mortgage and Finance F 50 20.0%—
23 Figure Lending C 50 60.0%—

What La Paz County borrowers applied for

By loan purpose

Home purchase 176 42% · 17.6% denied
Refinance 59 14% · 15.3% denied
Cash-out refinance 105 25% · 25.7% denied
Home improvement 29 7% · 44.8% denied
Other / HELOC 50 12% · 26.0% denied

By loan type

Conventional 288 69% · 24.3% denied
FHA 68 16% · 17.7% denied
VA 59 14% · 17.0% denied
USDA / RHS 4 1% · 25.0% denied

Why applications were denied

Collateral 27 29%
Credit history 23 25%
Debt-to-income ratio 21 23%
Incomplete application 8 9%
Other 8 9%
Insufficient cash 3 3%
Unverifiable information 2 2%

La Paz County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202331113223.5%7.25%$165,000
202435016127.7%7.38%$180,000
202541919722.2%6.88%$185,000

Frequently asked questions

22.2% of applications in La Paz County were denied in 2025, against 16.2% statewide in Arizona.

United Shore Financial Services, with 34 applications in 2025 and a denial rate of 20.6%.

The median mortgage application in La Paz County in 2025 was for $185,000; the median property value on originated loans was $300,000.