Washington Federal Bank in Arizona vs the state
15.9%Denial rate-0.38 pts vs state
26.0%Decision denial rate+5.59 pts vs state
43.9%Origination rate-15.58 pts vs state
7.50%Median rate+1.00 pts vs state
0.90Rate spread (pts)+0.68 pts vs state
$150kMedian applicant income
36Loans originated
13Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 713 | 272 | 19.8% | 7.81% | #80 |
| 2024 | 595 | 244 | 18.2% | 7.88% | #94 |
| 2025 | 82 | 36 | 15.9% | 7.50% | #263 |
What Washington Federal Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Washington Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 31 | 13 | 5 | 16.1% |
| Pima County | 20 | 9 | 2 | 10.0% |
| Yuma County | 7 | 3 | 2 | 28.6% |
| Yavapai County | 7 | 1 | 2 | 28.6% |
| Santa Cruz County | 5 | 3 | 1 | 20.0% |
| Gila County | 3 | 2 | 0 | 0.0% |
| Navajo County | 3 | 3 | 0 | 0.0% |
| Pinal County | 2 | 1 | 0 | 0.0% |
| Cochise County | 2 | 1 | 0 | 0.0% |
| Graham County | 1 | 0 | 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: 82 applications in 2025, of which 36 were originated and 13 denied.
15.9% of all applications, or 26.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Washington Federal Bank originated in Arizona in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Washington Federal 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