First National Bank of America in Arizona vs the state
22.2%Denial rate+5.99 pts vs state
32.0%Decision denial rate+11.59 pts vs state
47.2%Origination rate-12.26 pts vs state
9.00%Median rate+2.50 pts vs state
3.09Rate spread (pts)+2.87 pts vs state
$97kMedian applicant income
51Loans originated
24Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 51 | 20.6% | 9.63% | #232 |
| 2024 | 134 | 67 | 23.9% | 9.50% | #202 |
| 2025 | 108 | 51 | 22.2% | 9.00% | #235 |
What First National Bank of America lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 64 | 33 | 14 | 21.9% |
| Pima County | 10 | 6 | 2 | 20.0% |
| Yavapai County | 10 | 5 | 2 | 20.0% |
| Pinal County | 8 | 4 | 4 | 50.0% |
| Coconino County | 5 | 0 | 1 | 20.0% |
| Graham County | 3 | 1 | 0 | 0.0% |
| Yuma County | 3 | 1 | 0 | 0.0% |
| Mohave County | 2 | 1 | 0 | 0.0% |
| Cochise County | 1 | 0 | 0 | 0.0% |
| La Paz County | 1 | 0 | 1 | 100.0% |
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: 108 applications in 2025, of which 51 were originated and 24 denied.
22.2% of all applications, or 32.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans First National Bank of America originated in Arizona in 2025 was 9.00%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of America'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