Bell Bank in Arizona vs the state
8.5%Denial rate-7.77 pts vs state
9.8%Decision denial rate-10.64 pts vs state
77.0%Origination rate+17.48 pts vs state
6.75%Median rate+0.25 pts vs state
0.19Rate spread (pts)-0.03 pts vs state
$134kMedian applicant income
1,256Loans originated
138Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,580 | 1,206 | 10.6% | 7.38% | #42 |
| 2024 | 1,600 | 1,193 | 8.4% | 6.99% | #45 |
| 2025 | 1,632 | 1,256 | 8.5% | 6.75% | #43 |
What Bell Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,383 | 1,068 | 119 | 8.6% |
| Pinal County | 155 | 122 | 8 | 5.2% |
| Pima County | 22 | 17 | 2 | 9.1% |
| Yavapai County | 20 | 10 | 2 | 10.0% |
| Navajo County | 14 | 12 | 0 | 0.0% |
| Coconino County | 14 | 11 | 1 | 7.1% |
| Gila County | 8 | 6 | 1 | 12.5% |
| Santa Cruz County | 5 | 4 | 1 | 20.0% |
| Apache County | 4 | 3 | 1 | 25.0% |
| Yuma County | 3 | 2 | 1 | 33.3% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 1,632 applications in 2025, of which 1,256 were originated and 138 denied.
8.5% of all applications, or 9.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Bell Bank originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Bell Bank's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology