CIBC Bank USA in Arizona vs the state
14.3%Denial rate-1.94 pts vs state
16.7%Decision denial rate-3.74 pts vs state
71.4%Origination rate+11.95 pts vs state
6.06%Median rate-0.44 pts vs state
-0.13Rate spread (pts)-0.35 pts vs state
$426kMedian applicant income
10Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 5.94% | #512 |
| 2024 | 13 | 10 | 7.7% | 6.00% | #452 |
| 2025 | 14 | 10 | 14.3% | 6.06% | #459 |
What CIBC Bank USA lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most CIBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 9 | 7 | 0 | 0.0% |
| Pima County | 3 | 3 | 0 | 0.0% |
| Yavapai County | 1 | 0 | 1 | 100.0% |
| Pinal County | 1 | 0 | 1 | 100.0% |
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: 14 applications in 2025, of which 10 were originated and 2 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans CIBC Bank USA originated in Arizona in 2025 was 6.06%, against a statewide median of 6.50%.
About this data. Figures are CIBC Bank USA'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