First Federal Bank in Arizona vs the state
6.3%Denial rate-9.91 pts vs state
10.0%Decision denial rate-10.41 pts vs state
56.8%Origination rate-2.64 pts vs state
6.31%Median rate-0.19 pts vs state
-0.22Rate spread (pts)-0.44 pts vs state
$167kMedian applicant income
54Loans originated
6Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 32 | 2.2% | 6.44% | #318 |
| 2024 | 134 | 72 | 8.2% | 6.25% | #203 |
| 2025 | 95 | 54 | 6.3% | 6.31% | #251 |
What First Federal Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 58 | 34 | 4 | 6.9% |
| Pima County | 12 | 5 | 2 | 16.7% |
| Pinal County | 9 | 5 | 0 | 0.0% |
| Yavapai County | 6 | 4 | 0 | 0.0% |
| Yuma County | 3 | 2 | 0 | 0.0% |
| Coconino County | 3 | 1 | 0 | 0.0% |
| Mohave County | 2 | 1 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| Santa Cruz County | 1 | 1 | 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: 95 applications in 2025, of which 54 were originated and 6 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans First Federal Bank originated in Arizona in 2025 was 6.31%, against a statewide median of 6.50%.
About this data. Figures are First Federal 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