Largest lenders in Maricopa County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 16,762 | 12,924 | 9.8% | 6.37% |
| 2 | Desert Financial Credit Union | B | 14,727 | 9,267 | 23.9% | 6.49% |
| 3 | Rocket Mortgage | C | 11,018 | 8,327 | 14.5% | 6.75% |
| 4 | Bank of America | F | 4,488 | 1,938 | 30.9% | 6.24% |
| 5 | Fairway Independent Mortgage | B | 3,849 | 2,689 | 6.0% | 6.63% |
| 6 | Pennymac Loan Services | C | 3,474 | 2,031 | 11.4% | 6.62% |
| 7 | Spring Eq | D | 3,199 | 1,114 | 46.6% | 8.95% |
| 8 | Crosscountry Mortgage | B | 3,085 | 2,022 | 4.5% | 6.58% |
| 9 | Arizona Financial Credit Union | D | 3,054 | 1,807 | 25.5% | 7.25% |
| 10 | JPMorgan Chase Bank | B | 3,053 | 1,910 | 11.0% | 6.50% |
| 11 | Loandepot.Com | D | 3,022 | 1,984 | 16.4% | 6.25% |
| 12 | Newrez | D | 2,877 | 1,107 | 16.3% | 6.38% |
| 13 | Freedom Mortgage | B | 2,653 | 1,081 | 7.1% | 6.00% |
| 14 | U.S. Bank | D | 2,609 | 1,175 | 38.3% | 7.70% |
| 15 | Navy Federal Credit Union | D | 2,569 | 1,133 | 24.2% | 7.84% |
| 16 | The Loan Store | B | 2,238 | 1,554 | 10.6% | 6.88% |
| 17 | Coastal Community Bank | C | 2,154 | 501 | 2.2% | 9.99% |
| 18 | Taylor Morrison Home Funding | A | 2,101 | 1,572 | 11.0% | 5.63% |
| 19 | Guild Mortgage | A | 2,100 | 1,464 | 4.1% | 6.63% |
| 20 | OneAZ Credit Union | D | 2,034 | 969 | 26.7% | 7.25% |
| 21 | Guaranteed Rate | B | 1,880 | 994 | 5.4% | 6.58% |
| 22 | CMG Mortgage | A | 1,875 | 1,261 | 5.2% | 6.75% |
| 23 | Broker Solutions | D | 1,837 | 710 | 7.2% | 6.75% |
| 24 | Lennar Mortgage | A | 1,807 | 1,479 | 11.8% | 4.25% |
| 25 | Nationstar Mortgage | C | 1,664 | 1,121 | 14.8% | 8.25% |
Best approval odds in Maricopa County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Swh Funding | 63 | 0.0% |
| 2 | Stifel Bank and Trust | 65 | 0.0% |
| 3 | Clm Mortgage | 66 | 0.0% |
| 4 | Lendsure Mortgage | 107 | 0.0% |
| 5 | Merchants Mortgage & Trust Corporation | 213 | 0.0% |
| 6 | Cornerstone First Mortgage | 216 | 0.5% |
| 7 | Shea Mortgage | 292 | 0.7% |
| 8 | Luminate Bank | 119 | 0.8% |
| 9 | Unnamed lender 254900YZ174H294JW398 | 350 | 0.9% |
| 10 | Starboard Financial Management | 99 | 1.0% |
What Maricopa County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Maricopa County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 160,352 | 90,907 | 20.1% | 6.75% | $275,000 |
| 2024 | 171,898 | 102,128 | 17.9% | 6.63% | $285,000 |
| 2025 | 185,548 | 111,793 | 16.1% | 6.50% | $305,000 |
Frequently asked questions
16.1% of applications in Maricopa County were denied in 2025, against 16.2% statewide in Arizona.
United Shore Financial Services, with 16,762 applications in 2025 and a denial rate of 9.8%.
The median mortgage application in Maricopa County in 2025 was for $305,000; the median property value on originated loans was $505,000.