Applications / Mortgage Analytics / Lenders / Arizona / V.I.P. Mortgage
Scottsdale, AZ · Independent non-bank lender · CFPB · 7,248 loans in 2025
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7,248
loans originated, 2025
9,475
applications, 2025
43
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
V.I.P. Mortgage is an Arizona-based purchase lender, ranked 8 of 489 in Tucson, AZ, that grew 4% in 2025 to 7,248 loans, more slowly than most similar lenders.
Originations rose 4% from 6,989, against 14% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Home purchases made up 85.1% of its lending. It also bought 537 loans from other lenders, down from 1,338 in 2024.
Its share fell in Phoenix-Mesa-Chandler, AZ to 1.3% from 1.6%, where it ranks 16 of 879, and in Denver-Aurora-Centennial, CO to 0.9% from 1.4%. One possible reason is that its lending grew 4% while the whole market grew 10%; another is that it entered new markets in 2025, including Boston-Cambridge-Newton, MA-NH. In San Antonio-New Braunfels, TX its share rose to 0.6% from 0.5%.
Higher-priced loans (a rate well above the average for similar loans) were 1.3%, against 3.1% at similar lenders. Its purchase denial rate, 2.8%, was lower than 4.9%, and its refinance denial rate, 4.4%, lower than 8.7%. Its typical rate was 6.50%, against 6.62%.
Its typical loan, $345,000, was larger than $315,000 at similar lenders, and jumbo loans (larger than the conforming limit) were 2.6%, against 1.2%. LMI (low- and moderate-income) borrowers took 26.4% of its loans, against 29.9%, a gap its larger loans may help explain.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. V.I.P. Mortgage took 9,475 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.1% · Refinance 14.7% · Other 0.2%
Conventional 64.2% · FHA 25.3% · VA 9.8% · USDA (RHS or FSA) 0.7% · of 7,248 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 2,321 | 32.0% |
| Colorado | 1,153 | 15.9% |
| Texas | 1,080 | 14.9% |
| New Mexico | 272 | 3.8% |
| Oklahoma | 264 | 3.6% |
| Connecticut | 235 | 3.2% |
| Nevada | 227 | 3.1% |
| Indiana | 218 | 3.0% |
| California | 169 | 2.3% |
| Pennsylvania | 165 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 1,490 |
| Denver-Aurora-Centennial | 638 |
| Tucson | 549 |
| Houston-Pasadena-The Woodlands | 419 |
| San Antonio-New Braunfels | 258 |
| Las Vegas-Henderson-North Las Vegas | 216 |
| Farmington | 181 |
| Oklahoma City | 179 |
| Colorado Springs | 177 |
| Hartford-West Hartford-East Hartford | 175 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PC4MFWQBNVKG88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3955361 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7421720343 |
Established 21 December 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: V.I.P. Mortgage's data.
V.I.P. Mortgage's data
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