Arizona’s FHA denial rate in 2025 was 18.4% across 40,618 decisioned applications — ranking #42 of 52 states. Among high-volume lenders, the lowest observed denial rate was Velocio Mortgage, L.L.C. at 2.3%; the highest was Lakeview Loan Servicing, LLC at 57.4%. The institutional spread inside Arizona is 25.0×: the same FHA application faces a 2.3% observed denial rate at one high-volume door and 57.4% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Arizona FHA apps | Denial rate |
|---|---|---|
| Velocio Mortgage, L.L.C. | 784 | 2.3% |
| Crosscountry Mortgage, LLC | 1,581 | 4.0% |
| Click N' Close, Inc. | 589 | 7.1% |
| Guild Mortgage Company | 922 | 7.5% |
| Fairway Independent Mort Corp | 1,338 | 10.2% |
| Lennar Mortgage, LLC | 1,235 | 13.5% |
| Freedom Mortgage Corporation | 1,214 | 15.3% |
| Dhi Mortgage Company, Ltd. | 1,726 | 17.0% |
| United Wholesale Mortgage | 5,193 | 18.1% |
| Loandepot.Com LLC | 1,553 | 19.1% |
| Nova Financial & Investment Corp | 1,472 | 21.3% |
| Pennymac Loan Services LLC | 799 | 24.9% |
| Rocket Mortgage | 2,306 | 28.8% |
| Newrez LLC | 703 | 44.1% |
| Lakeview Loan Servicing, LLC | 693 | 57.4% |
Applications under $150K were denied 37.5% of the time versus 16.1% for loans of $250K+ — a 2.3× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.