First-Citizens Bank & Trust in Arizona vs the state
18.9%Denial rate+2.64 pts vs state
22.7%Decision denial rate+2.32 pts vs state
59.8%Origination rate+0.27 pts vs state
6.35%Median rate-0.15 pts vs state
-0.20Rate spread (pts)-0.42 pts vs state
$189kMedian applicant income
95Loans originated
30Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 96 | 17.6% | 5.85% | #186 |
| 2024 | 121 | 84 | 20.7% | 5.99% | #218 |
| 2025 | 159 | 95 | 18.9% | 6.35% | #196 |
What First-Citizens Bank & Trust lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 111 | 66 | 20 | 18.0% |
| Pima County | 33 | 21 | 5 | 15.2% |
| Pinal County | 6 | 4 | 2 | 33.3% |
| Mohave County | 4 | 2 | 1 | 25.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Gila County | 1 | 1 | 0 | 0.0% |
| Yavapai County | 1 | 0 | 1 | 100.0% |
| Coconino County | 1 | 0 | 1 | 100.0% |
| Navajo 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: 159 applications in 2025, of which 95 were originated and 30 denied.
18.9% of all applications, or 22.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans First-Citizens Bank & Trust originated in Arizona in 2025 was 6.35%, against a statewide median of 6.50%.
About this data. Figures are First-Citizens Bank & Trust'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