Find a better mortgage lender

Yuma County, Arizona · 2025

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

266 lenders acted on 7,909 mortgage applications for properties in Yuma County in 2025. 16.3% were denied (Arizona: 16.2%). Median rate on closed loans 6.63%; median loan $215,000; median property value $305,000.

7.9kApplications
16.3%Denial ratestate 16.2%
6.63%Median ratestate 6.50%
$215,000Median loan
$305,000Median property value

Largest lenders in Yuma County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 865657 10.3%6.13%
2 Nova Financial & Investment C 864631 7.8%6.49%
3 Crosscountry Mortgage B 646467 2.8%6.58%
4 Rocket Mortgage C 435319 17.7%6.63%
5 Navy Federal Credit Union D 403192 25.8%7.75%
6 Zions Bancorporation B 300131 45.0%8.35%
7 Guild Mortgage A 295205 3.4%6.63%
8 Efinity Financial D 270205 4.8%6.63%
9 Mortgage Research Center C 210105 16.7%6.25%
10 Freedom Mortgage B 19984 7.5%5.75%
11 Figure Lending C 18084 24.4%9.13%
12 Pennymac Loan Services C 17473 14.9%6.88%
13 Mortgageone C 159110 0.0%6.63%
14 Newrez D 12039 17.5%6.50%
15 Spring Eq D 9633 41.7%9.50%
16 Coastal Community Bank C 9321 3.2%9.24%
17 Credit Human Federal Credit Union D 8834 39.8%8.50%
18 Securitynational Mortgage D 8755 12.6%6.63%
19 Loandepot.Com D 7944 24.1%6.75%
20 U.S. Bank D 7721 61.0%8.20%
21 21st Mortgage F 7613 60.5%11.88%
22 AmeriSave Mortgage D 7122 56.3%8.94%
23 Summit Funding C 7155 0.0%6.50%
24 JPMorgan Chase Bank B 7037 20.0%6.88%
25 American Financial Resources B 6552 3.1%6.75%

Best approval odds in Yuma County

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

#LenderDecidedDecision denial rate
1Summit Funding560.0%
2Mortgageone1100.0%
3Crosscountry Mortgage4973.6%
4American Financial Resources543.7%
5Guild Mortgage2364.2%
6Coastal Community Bank674.5%
7Efinity Financial2186.0%
8Nova Financial & Investment7159.4%
9United Shore Financial Services76811.6%
10Freedom Mortgage12212.3%

What Yuma County borrowers applied for

By loan purpose

Home purchase 3,515 44% · 8.5% denied
Refinance 1,280 16% · 14.4% denied
Cash-out refinance 1,594 20% · 19.5% denied
Home improvement 519 7% · 34.3% denied
Other / HELOC 1,001 13% · 31.9% denied

By loan type

Conventional 4,295 54% · 21.3% denied
FHA 2,058 26% · 10.8% denied
VA 1,435 18% · 9.8% denied
USDA / RHS 121 2% · 10.7% denied

Why applications were denied

Debt-to-income ratio 374 29%
Credit history 291 23%
Incomplete application 194 15%
Collateral 185 14%
Other 148 11%
Unverifiable information 44 3%
Insufficient cash 37 3%
Employment history 18 1%

Yuma County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,8593,32718.0%6.75%$185,000
20247,0724,09017.1%6.75%$205,000
20257,9094,60616.3%6.63%$215,000

Frequently asked questions

16.3% of applications in Yuma County were denied in 2025, against 16.2% statewide in Arizona.

United Shore Financial Services, with 865 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Yuma County in 2025 was for $215,000; the median property value on originated loans was $305,000.