Plains Commerce Bank in Arizona vs the state
5.9%Denial rate-10.29 pts vs state
8.9%Decision denial rate-11.48 pts vs state
60.6%Origination rate+1.12 pts vs state
6.38%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$121kMedian applicant income
1,203Loans originated
118Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 784 | 437 | 2.3% | 6.38% | #75 |
| 2024 | 1,820 | 1,057 | 2.9% | 6.50% | #43 |
| 2025 | 1,985 | 1,203 | 5.9% | 6.38% | #40 |
What Plains Commerce Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,600 | 962 | 98 | 6.1% |
| Pima County | 138 | 90 | 4 | 2.9% |
| Pinal County | 134 | 82 | 9 | 6.7% |
| Yavapai County | 35 | 21 | 2 | 5.7% |
| Mohave County | 19 | 12 | 2 | 10.5% |
| Navajo County | 15 | 10 | 0 | 0.0% |
| Gila County | 15 | 10 | 2 | 13.3% |
| Coconino County | 8 | 5 | 0 | 0.0% |
| Cochise County | 8 | 6 | 0 | 0.0% |
| Yuma County | 6 | 3 | 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: 1,985 applications in 2025, of which 1,203 were originated and 118 denied.
5.9% of all applications, or 8.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Plains Commerce Bank originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Plains Commerce 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