MidFirst Bank in Arizona vs the state
5.8%Denial rate-10.40 pts vs state
6.6%Decision denial rate-13.85 pts vs state
81.9%Origination rate+22.44 pts vs state
6.50%Median rate0.00 pts vs state
-0.11Rate spread (pts)-0.33 pts vs state
$196kMedian applicant income
281Loans originated
20Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 608 | 480 | 6.7% | 6.38% | #90 |
| 2024 | 287 | 229 | 5.9% | 6.93% | #136 |
| 2025 | 343 | 281 | 5.8% | 6.50% | #140 |
What MidFirst Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 294 | 239 | 19 | 6.5% |
| Coconino County | 21 | 20 | 0 | 0.0% |
| Navajo County | 12 | 8 | 0 | 0.0% |
| Pinal County | 7 | 6 | 1 | 14.3% |
| Yavapai County | 5 | 4 | 0 | 0.0% |
| Mohave County | 2 | 2 | 0 | 0.0% |
| Apache County | 1 | 1 | 0 | 0.0% |
| Gila 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: 343 applications in 2025, of which 281 were originated and 20 denied.
5.8% of all applications, or 6.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans MidFirst Bank originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are MidFirst 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