Umpqua Bank in Arizona vs the state
20.9%Denial rate+4.67 pts vs state
23.0%Decision denial rate+2.54 pts vs state
68.7%Origination rate+9.18 pts vs state
7.25%Median rate+0.75 pts vs state
0.76Rate spread (pts)+0.54 pts vs state
$206kMedian applicant income
46Loans originated
14Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 23 | 8.6% | 6.88% | #353 |
| 2024 | 60 | 42 | 8.3% | 7.94% | #287 |
| 2025 | 67 | 46 | 20.9% | 7.25% | #280 |
What Umpqua Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 45 | 35 | 6 | 13.3% |
| Pima County | 6 | 2 | 3 | 50.0% |
| Pinal County | 5 | 3 | 2 | 40.0% |
| Yuma County | 3 | 1 | 2 | 66.7% |
| Mohave County | 3 | 3 | 0 | 0.0% |
| Coconino County | 2 | 1 | 1 | 50.0% |
| Yavapai County | 1 | 0 | 0 | 0.0% |
| Navajo County | 1 | 0 | 0 | 0.0% |
| Santa Cruz 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: 67 applications in 2025, of which 46 were originated and 14 denied.
20.9% of all applications, or 23.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Umpqua Bank originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Umpqua 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