United Trust Bank in Arizona vs the state
13.3%Denial rate-2.90 pts vs state
13.8%Decision denial rate-6.62 pts vs state
83.3%Origination rate+23.85 pts vs state
6.50%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.32 pts vs state
$90kMedian applicant income
25Loans originated
4Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 5 | 37.5% | 6.88% | #524 |
| 2025 | 30 | 25 | 13.3% | 6.50% | #378 |
What United Trust Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 10 | 8 | 2 | 20.0% |
| Yavapai County | 8 | 6 | 1 | 12.5% |
| Mohave County | 5 | 4 | 1 | 20.0% |
| Pima County | 4 | 4 | 0 | 0.0% |
| Pinal County | 3 | 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: 30 applications in 2025, of which 25 were originated and 4 denied.
13.3% of all applications, or 13.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans United Trust Bank originated in Arizona in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United Trust 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