Arizona · HMDA 2025
Mortgage lenders in Santa Cruz County, AZ
188 lenders reported 2,115 home-loan applications in Santa Cruz County in 2025. 956 closed as loans ($226.3M), 327 were denied — a 23.9% denial rate on decided applications, above the Arizona rate of 20.3%. The three most active lenders handled 19% of applications, led by AMERICAN PACIFIC MORTGAGE CORPORATION. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,115
- Loans originated
- 956
- Purchase / refinance
- 473 / 352
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Santa Cruz County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AMERICAN PACIFIC MORTGAGE CORPORATION | 161 | 7.6% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 134 | 6.3% | — |
| 3 | Rocket Mortgage, LLC | 99 | 4.7% | — |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 85 | 4.0% | 14.1% |
| 5 | FREEDOM MORTGAGE CORPORATION | 72 | 3.4% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 71 | 3.4% | — |
| 7 | THE LOAN STORE, INC. | 63 | 3.0% | — |
| 8 | NEWREZ LLC | 62 | 2.9% | — |
| 9 | NOVA FINANCIAL & INVESTMENT CORPORATION | 61 | 2.9% | — |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 50 | 2.4% | — |
| 11 | Fairway Independent Mortgage Corporation | 47 | 2.2% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 43 | 2.0% | — |
| 13 | Loandepot.Com, LLC | 39 | 1.8% | — |
| 14 | Coastal Community Bank 35 out of 100, Low | 39 | 1.8% | 3.0% |
| 15 | FIGURE LENDING LLC | 35 | 1.7% | — |
| 16 | MORIA DEVELOPMENT, INC. | 34 | 1.6% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 33 | 1.6% | 22.2% |
| 18 | Mortgage Research Center, LLC | 32 | 1.5% | — |
| 19 | VANTAGE WEST | 30 | 1.4% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 29 | 1.4% | 39.5% |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 28 | 1.3% | 44.7% |
| 22 | NATIONSTAR MORTGAGE LLC | 27 | 1.3% | — |
| 23 | PLANET HOME LENDING, LLC | 25 | 1.2% | — |
| 24 | AmeriSave Mortgage Corporation | 24 | 1.1% | — |
| 25 | GUILD MORTGAGE COMPANY | 24 | 1.1% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 23 | 1.1% | 32.9% |
| 27 | SPRING EQ, LLC | 23 | 1.1% | — |
| 28 | GUARANTEED RATE, INC. | 22 | 1.0% | — |
| 29 | OneAZ Credit Union 71 out of 100, Strong | 22 | 1.0% | 35.8% |
| 30 | Broker Solutions, Inc. | 19 | 0.9% | — |
| 31 | EFINITY FINANCIAL INC. | 19 | 0.9% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 19 | 0.9% | — |
| 33 | V.I.P. MORTGAGE, INC. | 19 | 0.9% | — |
| 34 | CMG MORTGAGE, INC. | 18 | 0.9% | — |
| 35 | ALTITUDE FINANCIAL CORPORATION | 18 | 0.9% | — |
| 36 | NEW DAY FINANCIAL, LLC | 18 | 0.9% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 17 | 0.8% | — |
| 38 | TUCSON | 17 | 0.8% | — |
| 39 | BMO Bank National Association 83 out of 100, Strong | 16 | 0.8% | 40.5% |
| 40 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 16 | 0.8% | — |
Top 40 of 188 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Arizona
- Maricopa County 213,129 apps
- Pima County 47,006 apps
- Pinal County 34,687 apps
- Yavapai County 14,250 apps
- Mohave County 12,741 apps
- Yuma County 9,052 apps
- Cochise County 5,688 apps
- Coconino County 5,480 apps
- Navajo County 4,309 apps
- Gila County 2,790 apps
- Graham County 1,667 apps
- Apache County 1,206 apps