The Federal Savings Bank in Arizona vs the state
10.8%Denial rate-5.48 pts vs state
24.3%Decision denial rate+3.90 pts vs state
31.9%Origination rate-27.63 pts vs state
6.50%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.01 pts vs state
$88kMedian applicant income
157Loans originated
53Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 732 | 255 | 10.5% | 6.25% | #76 |
| 2024 | 465 | 143 | 9.7% | 6.50% | #106 |
| 2025 | 493 | 157 | 10.8% | 6.50% | #113 |
What The Federal Savings Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 264 | 95 | 26 | 9.8% |
| Pima County | 79 | 22 | 6 | 7.6% |
| Pinal County | 36 | 10 | 7 | 19.4% |
| Yavapai County | 28 | 10 | 4 | 14.3% |
| Mohave County | 23 | 5 | 0 | 0.0% |
| Cochise County | 20 | 7 | 2 | 10.0% |
| Yuma County | 10 | 3 | 1 | 10.0% |
| Gila County | 9 | 3 | 2 | 22.2% |
| Navajo County | 8 | 2 | 1 | 12.5% |
| Santa Cruz County | 6 | 0 | 1 | 16.7% |
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: 493 applications in 2025, of which 157 were originated and 53 denied.
10.8% of all applications, or 24.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans The Federal Savings Bank originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The Federal Savings 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