Applications / Mortgage Analytics / Lenders / Arizona / Altitude Financial
Tucson, AZ · Independent non-bank lender · CFPB · 1,002 loans in 2025
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1,002
loans originated, 2025
1,297
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Altitude Financial, a Tucson non-bank lender first reported in 2020, makes mostly purchase loans and is the ninth-largest lender in its home market.
Purchases made up 80.6% of its loans in 2025. Loans guaranteed by the Department of Veterans Affairs (VA) were 10.0%, against 6.3% at the typical similar lender (independent non-bank lenders making between half and twice as many loans). Manufactured homes were 4.6% of its loans, more than at nearly nine in ten peers, whose typical share was 0.7%.
It turned down 1.3% of first-lien purchase applications on owner-occupied homes, against 3.2% at the typical peer, and 2.2% of refinance applications, against 5.9%. Both rates are lower than at more than four in five peers.
In Tucson it ranked 9 of 489 lenders, but its share fell to 2.6% from 3.2%; United Wholesale Mortgage led the market. Its loans fell 7% while the typical peer grew 5%, which may account for the lost share. It also entered Boise City, Charlotte-Concord-Gastonia and Idaho Falls in 2025, so some of its effort may have gone elsewhere. In Sierra Vista-Douglas its share rose to 1.8% from 1.4%.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Altitude Financial took 1,297 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.6% · Refinance 19.4%
Conventional 65.9% · FHA 23.7% · VA 10.0% · USDA (RHS or FSA) 0.5% · of 1,002 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 | 899 | 89.7% |
| California | 63 | 6.3% |
| Colorado | 15 | 1.5% |
| Nevada | 7 | 0.7% |
| Texas | 7 | 0.7% |
| Idaho | 4 | 0.4% |
| North Carolina | 4 | 0.4% |
| Georgia | 2 | 0.2% |
| Oregon | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tucson | 561 |
| Phoenix-Mesa-Chandler | 214 |
| Sierra Vista-Douglas | 47 |
| Fresno | 40 |
| Denver-Aurora-Centennial | 11 |
| Prescott Valley-Prescott | 11 |
| Lake Havasu City-Kingman | 7 |
| Las Vegas-Henderson-North Las Vegas | 7 |
| Flagstaff | 5 |
| Merced | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001I7Z53NDBE4X59 | 2020–2025 |
Established 3 February 2020. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Altitude Financial's data.
Altitude Financial's data
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