U.S. Bank in Arizona vs the state
39.3%Denial rate+23.08 pts vs state
46.7%Decision denial rate+26.26 pts vs state
43.7%Origination rate-15.78 pts vs state
7.60%Median rate+1.10 pts vs state
0.65Rate spread (pts)+0.43 pts vs state
$118kMedian applicant income
1,813Loans originated
1,631Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,994 | 2,151 | 42.6% | 7.88% | #10 |
| 2024 | 4,563 | 1,957 | 41.2% | 7.99% | #12 |
| 2025 | 4,149 | 1,813 | 39.3% | 7.60% | #17 |
What U.S. Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 2,609 | 1,175 | 999 | 38.3% |
| Pima County | 558 | 224 | 243 | 43.5% |
| Pinal County | 342 | 140 | 150 | 43.9% |
| Mohave County | 198 | 80 | 75 | 37.9% |
| Yavapai County | 187 | 91 | 57 | 30.5% |
| Yuma County | 77 | 21 | 47 | 61.0% |
| Coconino County | 54 | 33 | 9 | 16.7% |
| Cochise County | 35 | 12 | 18 | 51.4% |
| Navajo County | 29 | 9 | 12 | 41.4% |
| Santa Cruz County | 24 | 10 | 10 | 41.7% |
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: 4,149 applications in 2025, of which 1,813 were originated and 1,631 denied.
39.3% of all applications, or 46.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans U.S. Bank originated in Arizona in 2025 was 7.60%, against a statewide median of 6.50%.
About this data. Figures are U.S. 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