First International Bank & Trust in Arizona vs the state
9.6%Denial rate-6.63 pts vs state
11.9%Decision denial rate-8.52 pts vs state
70.6%Origination rate+11.14 pts vs state
7.25%Median rate+0.75 pts vs state
0.49Rate spread (pts)+0.27 pts vs state
$200kMedian applicant income
125Loans originated
17Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 162 | 8.8% | 7.50% | #157 |
| 2024 | 177 | 129 | 11.9% | 8.00% | #177 |
| 2025 | 177 | 125 | 9.6% | 7.25% | #184 |
What First International Bank & Trust lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most First International Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 149 | 102 | 17 | 11.4% |
| Pinal County | 15 | 12 | 0 | 0.0% |
| Navajo County | 4 | 4 | 0 | 0.0% |
| Pima County | 2 | 2 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
| Cochise County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Yavapai 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: 177 applications in 2025, of which 125 were originated and 17 denied.
9.6% of all applications, or 11.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans First International Bank & Trust originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are First International 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