Citibank in Arizona vs the state
17.0%Denial rate+0.77 pts vs state
30.6%Decision denial rate+10.22 pts vs state
37.5%Origination rate-21.98 pts vs state
6.00%Median rate-0.50 pts vs state
-0.05Rate spread (pts)-0.27 pts vs state
$160kMedian applicant income
75Loans originated
34Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 75 | 5.8% | 5.63% | #180 |
| 2024 | 224 | 92 | 16.1% | 6.50% | #158 |
| 2025 | 200 | 75 | 17.0% | 6.00% | #176 |
What Citibank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 137 | 57 | 20 | 14.6% |
| Pima County | 17 | 5 | 6 | 35.3% |
| Mohave County | 12 | 5 | 2 | 16.7% |
| Yavapai County | 10 | 4 | 1 | 10.0% |
| Pinal County | 10 | 2 | 2 | 20.0% |
| Santa Cruz County | 4 | 2 | 2 | 50.0% |
| Yuma County | 4 | 0 | 0 | 0.0% |
| Cochise County | 3 | 0 | 0 | 0.0% |
| Apache County | 3 | 0 | 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: 200 applications in 2025, of which 75 were originated and 34 denied.
17.0% of all applications, or 30.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Citibank originated in Arizona in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Citibank'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