State Bank of Southern Utah in Arizona vs the state
27.3%Denial rate+11.04 pts vs state
37.5%Decision denial rate+17.09 pts vs state
45.5%Origination rate-14.03 pts vs state
7.00%Median rate+0.50 pts vs state
0.15Rate spread (pts)-0.07 pts vs state
$58kMedian applicant income
5Loans originated
3Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 20.0% | 8.50% | #510 |
| 2024 | 8 | 5 | 12.5% | 7.38% | #523 |
| 2025 | 11 | 5 | 27.3% | 7.00% | #495 |
What State Bank of Southern Utah lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most State Bank of Southern Utah applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Coconino County | 6 | 3 | 1 | 16.7% |
| Mohave County | 5 | 2 | 2 | 40.0% |
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: 11 applications in 2025, of which 5 were originated and 3 denied.
27.3% of all applications, or 37.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans State Bank of Southern Utah originated in Arizona in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are State Bank of Southern Utah'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