Arizona vs Nevada: mortgage lending
In 2023, Arizona had the lower mortgage denial rate of the two — 17.8% versus 17.8% in Nevada, a gap of about 0.0 points. Arizona originated about 118,118 loans and Nevada about 46,782. By loan type, Arizona was 74.5% conventional / 17.0% FHA / 8.2% VA, versus 71.6% / 18.5% / 9.8% in Nevada. Informational data, not lending advice.
Source: HMDA Data Browser (FFIEC / CFPB). Data as of June 2026.
Arizona vs Nevada side by side
| Indicator | Arizona | Nevada |
|---|---|---|
| Total originations | 118,118 | 46,782 |
| Denial rate | 17.8% | 17.8% |
| Home-purchase denial rate | 12.9% | 12.9% |
| Refinance denial rate | 31.2% | 33.5% |
| Conventional share | 74.5% | 71.6% |
| FHA share | 17.0% | 18.5% |
| VA share | 8.2% | 9.8% |
Verdict
On denial rate alone, an application looks more likely to be approved in Arizona than Nevada by roughly 0.0 points — but that mostly reflects who applies and for what kind of loan, not a promise about your file. Read each state's full profile for context: Arizona and Nevada. To estimate a payment in either, use the mortgage calculator.
Frequently asked questions
Is it harder to get a mortgage in Arizona or Nevada?
By denial rate, Nevada turned down a higher share of applications in 2023: 17.8% versus 17.8% in Arizona, a gap of about 0.0 points. Denial rate reflects the applicant pool and loan mix as much as lender strictness, so it is a signal, not a guarantee about your own application.
Which state originates more mortgages, Arizona or Nevada?
Arizona originated more — about 118,118 home-purchase and refinance loans versus 46,782 in Nevada (HMDA 2023). Volume mostly tracks population and home values.
How do the loan-type mixes compare?
In Arizona, conventional loans were 74.5%, FHA 17.0% and VA 8.2% of originations; in Nevada they were 71.6%, 18.5% and 9.8%. A higher FHA/VA share usually means more first-time, lower-down-payment, or veteran buyers.
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Last updated: 2026-06-20