BOKF in Arizona vs the state
20.2%Denial rate+3.97 pts vs state
25.2%Decision denial rate+4.75 pts vs state
59.1%Origination rate-0.38 pts vs state
6.50%Median rate0.00 pts vs state
0.17Rate spread (pts)-0.05 pts vs state
$154kMedian applicant income
237Loans originated
81Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 209 | 37.0% | 6.88% | #105 |
| 2024 | 391 | 208 | 26.6% | 7.00% | #112 |
| 2025 | 401 | 237 | 20.2% | 6.50% | #129 |
What BOKF lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most BOKF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 307 | 185 | 62 | 20.2% |
| Pima County | 38 | 23 | 8 | 21.1% |
| Pinal County | 17 | 8 | 3 | 17.6% |
| Coconino County | 11 | 5 | 2 | 18.2% |
| Navajo County | 8 | 7 | 1 | 12.5% |
| Yavapai County | 8 | 4 | 2 | 25.0% |
| Yuma County | 4 | 1 | 0 | 0.0% |
| Cochise County | 2 | 0 | 1 | 50.0% |
| Mohave County | 2 | 1 | 1 | 50.0% |
| Santa Cruz County | 2 | 2 | 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: 401 applications in 2025, of which 237 were originated and 81 denied.
20.2% of all applications, or 25.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans BOKF originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are BOKF'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