Citizens Bank in Arizona vs the state
19.6%Denial rate+3.34 pts vs state
28.1%Decision denial rate+7.72 pts vs state
50.0%Origination rate-9.48 pts vs state
6.50%Median rate0.00 pts vs state
0.15Rate spread (pts)-0.07 pts vs state
$155kMedian applicant income
23Loans originated
9Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 34 | 29.0% | 6.81% | #270 |
| 2024 | 34 | 18 | 26.5% | 6.69% | #345 |
| 2025 | 46 | 23 | 19.6% | 6.50% | #323 |
What Citizens Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 31 | 17 | 5 | 16.1% |
| Pima County | 9 | 3 | 3 | 33.3% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Pinal County | 2 | 1 | 0 | 0.0% |
| Mohave County | 1 | 0 | 1 | 100.0% |
| Cochise County | 1 | 0 | 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: 46 applications in 2025, of which 23 were originated and 9 denied.
19.6% of all applications, or 28.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Citizens Bank originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Citizens 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