Lender in Arizona · HMDA 2025
Rate mortgages in Arizona
Rate's 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
Rate originated 963 owner-occupied single-family loans in Arizona from 1,046 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $6,170 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.575% (Arizona: 6.50%).
Loans in AZ
963
of 1,046 applications
Denial rate
4.0%
Purchase · AZ 8.2%
Rate spread
+0.16 pts
Conv. · AZ +0.11 pts
Loan amount
$415,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 779 | 741 | 4.0% | 6.575% | +0.16 pts | $6,170 | $415,000 |
| Refinance | 139 | 124 | 7.9% | 6.250% | −0.05 pts | $3,990 | $425,000 |
| Cash-out refinance | 128 | 98 | 21.9% | 6.825% | +0.29 pts | $4,420 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Maricopa County | 17 | 748 | 1.2% |
| Gila County | 21 | 6 | 1.0% |
| Yuma County | 22 | 17 | 0.6% |
| Santa Cruz County | 22 | 7 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology