First National Bank Texas in Arizona vs the state
3.3%Denial rate-12.95 pts vs state
4.2%Decision denial rate-16.24 pts vs state
75.4%Origination rate+15.93 pts vs state
6.50%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.09 pts vs state
$110kMedian applicant income
46Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 41 | 4.9% | 6.99% | #288 |
| 2024 | 50 | 36 | 0.0% | 6.56% | #303 |
| 2025 | 61 | 46 | 3.3% | 6.50% | #290 |
What First National Bank Texas lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most First National Bank Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 53 | 40 | 2 | 3.8% |
| Pinal County | 4 | 3 | 0 | 0.0% |
| Graham County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Pima County | 1 | 1 | 0 | 0.0% |
| Yavapai 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: 61 applications in 2025, of which 46 were originated and 2 denied.
3.3% of all applications, or 4.2% 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 Texas originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are First National Bank Texas'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