University Bank in Arizona vs the state
10.3%Denial rate-5.89 pts vs state
10.7%Decision denial rate-9.70 pts vs state
86.2%Origination rate+26.73 pts vs state
—Median rate
—Rate spread (pts)
$218kMedian applicant income
25Loans originated
3Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 8 | 0.0% | 7.13% | #488 |
| 2024 | 15 | 10 | 0.0% | 5.50% | #431 |
| 2025 | 29 | 25 | 10.3% | — | #380 |
What University Bank lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 13 | 12 | 0 | 0.0% |
| Yavapai County | 7 | 7 | 0 | 0.0% |
| Pinal County | 4 | 3 | 1 | 25.0% |
| Pima County | 2 | 2 | 0 | 0.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
| Santa Cruz County | 1 | 0 | 1 | 100.0% |
| Mohave County | 1 | 0 | 1 | 100.0% |
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: 29 applications in 2025, of which 25 were originated and 3 denied.
10.3% of all applications, or 10.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are University 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