Flagstar Bank in Arizona vs the state
28.6%Denial rate+12.37 pts vs state
34.5%Decision denial rate+14.09 pts vs state
51.9%Origination rate-7.60 pts vs state
6.51%Median rate+0.01 pts vs state
0.15Rate spread (pts)-0.07 pts vs state
$110kMedian applicant income
303Loans originated
167Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,167 | 1,306 | 22.0% | 7.35% | #31 |
| 2024 | 1,894 | 1,091 | 24.9% | 6.88% | #41 |
| 2025 | 584 | 303 | 28.6% | 6.51% | #103 |
What Flagstar Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 369 | 188 | 97 | 26.3% |
| Mohave County | 62 | 36 | 21 | 33.9% |
| Pima County | 55 | 23 | 24 | 43.6% |
| Pinal County | 33 | 18 | 13 | 39.4% |
| Yavapai County | 31 | 18 | 4 | 12.9% |
| Coconino County | 9 | 5 | 2 | 22.2% |
| Cochise County | 6 | 4 | 2 | 33.3% |
| Santa Cruz County | 4 | 1 | 2 | 50.0% |
| Navajo County | 4 | 3 | 0 | 0.0% |
| Yuma County | 4 | 2 | 1 | 25.0% |
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: 584 applications in 2025, of which 303 were originated and 167 denied.
28.6% of all applications, or 34.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Flagstar Bank originated in Arizona in 2025 was 6.51%, against a statewide median of 6.50%.
About this data. Figures are Flagstar 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