PNC Bank in Arizona vs the state
32.0%Denial rate+15.74 pts vs state
39.5%Decision denial rate+19.09 pts vs state
47.4%Origination rate-12.10 pts vs state
7.99%Median rate+1.49 pts vs state
0.79Rate spread (pts)+0.57 pts vs state
$107kMedian applicant income
858Loans originated
579Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,322 | 1,187 | 27.7% | 9.09% | #29 |
| 2024 | 1,994 | 983 | 30.2% | 9.22% | #38 |
| 2025 | 1,811 | 858 | 32.0% | 7.99% | #41 |
What PNC Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,191 | 578 | 362 | 30.4% |
| Pima County | 245 | 104 | 94 | 38.4% |
| Pinal County | 114 | 53 | 43 | 37.7% |
| Mohave County | 81 | 39 | 25 | 30.9% |
| Yavapai County | 66 | 40 | 13 | 19.7% |
| Cochise County | 30 | 14 | 9 | 30.0% |
| Coconino County | 29 | 11 | 12 | 41.4% |
| Navajo County | 24 | 9 | 10 | 41.7% |
| Gila County | 16 | 5 | 8 | 50.0% |
| Yuma County | 8 | 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: 1,811 applications in 2025, of which 858 were originated and 579 denied.
32.0% of all applications, or 39.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans PNC Bank originated in Arizona in 2025 was 7.99%, against a statewide median of 6.50%.
About this data. Figures are PNC 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