Largest lenders in Yavapai County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 918 | 679 | 11.9% | 6.38% |
| 2 | OneAZ Credit Union | D | 817 | 384 | 27.7% | 7.25% |
| 3 | Rocket Mortgage | C | 772 | 566 | 14.0% | 6.63% |
| 4 | Fairway Independent Mortgage | B | 326 | 231 | 3.4% | 6.88% |
| 5 | Desert Financial Credit Union | B | 321 | 192 | 29.6% | 6.49% |
| 6 | Guild Mortgage | A | 313 | 218 | 3.8% | 6.63% |
| 7 | Zions Bancorporation | B | 258 | 126 | 32.2% | 7.75% |
| 8 | Gardner Financial Services | B | 238 | 177 | 2.5% | 6.63% |
| 9 | Pennymac Loan Services | C | 214 | 122 | 15.4% | 6.63% |
| 10 | Newrez | D | 202 | 80 | 15.4% | 6.38% |
| 11 | Mortgage Research Center | C | 195 | 91 | 17.4% | 6.13% |
| 12 | U.S. Bank | D | 187 | 91 | 30.5% | 7.13% |
| 13 | JPMorgan Chase Bank | B | 183 | 112 | 10.9% | 6.38% |
| 14 | Bank of America | F | 174 | 77 | 25.9% | 6.49% |
| 15 | V.i.p. Mortgage | B | 170 | 134 | 1.8% | 6.63% |
| 16 | Freedom Mortgage | B | 166 | 70 | 10.2% | 6.19% |
| 17 | Broker Solutions | D | 160 | 46 | 11.3% | 6.75% |
| 18 | Credit Union West | D | 159 | 99 | 20.8% | 7.75% |
| 19 | CMG Mortgage | A | 153 | 109 | 3.3% | 6.93% |
| 20 | Spring Eq | D | 149 | 52 | 45.6% | 8.60% |
| 21 | The Loan Store | B | 147 | 103 | 10.9% | 6.63% |
| 22 | Crosscountry Mortgage | B | 143 | 93 | 2.8% | 6.88% |
| 23 | Navy Federal Credit Union | D | 140 | 55 | 27.1% | 7.75% |
| 24 | Loandepot.Com | D | 139 | 84 | 20.1% | 7.06% |
| 25 | 21st Mortgage | F | 138 | 26 | 39.1% | 9.37% |
Best approval odds in Yavapai County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Nations Lending | 79 | 1.3% |
| 2 | V.i.p. Mortgage | 138 | 2.2% |
| 3 | Homeowners Financial Group USA | 81 | 2.5% |
| 4 | Paramount Residential Mortgage Group | 71 | 2.8% |
| 5 | Bank of Colorado | 64 | 3.1% |
| 6 | Gardner Financial Services | 192 | 3.1% |
| 7 | Inspire Home Loans | 61 | 3.3% |
| 8 | Coastal Community Bank | 86 | 3.5% |
| 9 | Movement Mortgage | 54 | 3.7% |
| 10 | Geneva Financial | 53 | 3.8% |
What Yavapai County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Yavapai County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 10,074 | 5,592 | 18.3% | 6.99% | $255,000 |
| 2024 | 11,267 | 6,260 | 18.4% | 6.99% | $255,000 |
| 2025 | 12,600 | 7,255 | 16.4% | 6.63% | $265,000 |
Frequently asked questions
16.4% of applications in Yavapai County were denied in 2025, against 16.2% statewide in Arizona.
United Shore Financial Services, with 918 applications in 2025 and a denial rate of 11.9%.
The median mortgage application in Yavapai County in 2025 was for $265,000; the median property value on originated loans was $495,000.