BNY Mellon in Arizona vs the state
12.5%Denial rate-3.73 pts vs state
14.3%Decision denial rate-6.12 pts vs state
75.0%Origination rate+15.52 pts vs state
5.75%Median rate-0.75 pts vs state
-0.22Rate spread (pts)-0.44 pts vs state
$520kMedian applicant income
6Loans originated
1Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 29 | 8.3% | 5.63% | #349 |
| 2024 | 18 | 16 | 0.0% | 6.69% | #413 |
| 2025 | 8 | 6 | 12.5% | 5.75% | #531 |
What BNY Mellon lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most BNY Mellon applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 6 | 4 | 1 | 16.7% |
| Pima County | 1 | 1 | 0 | 0.0% |
| Yavapai County | 1 | 1 | 0 | 0.0% |
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: 8 applications in 2025, of which 6 were originated and 1 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans BNY Mellon originated in Arizona in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are BNY Mellon'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