Wells Fargo Bank in Arizona vs the state
15.2%Denial rate-1.02 pts vs state
22.0%Decision denial rate+1.63 pts vs state
53.5%Origination rate-5.94 pts vs state
6.38%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.14 pts vs state
$100kMedian applicant income
1,088Loans originated
309Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,923 | 1,351 | 22.4% | 6.38% | #21 |
| 2024 | 2,223 | 969 | 21.5% | 6.50% | #32 |
| 2025 | 2,032 | 1,088 | 15.2% | 6.38% | #38 |
What Wells Fargo Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,207 | 647 | 176 | 14.6% |
| Pima County | 295 | 163 | 41 | 13.9% |
| Pinal County | 137 | 77 | 25 | 18.2% |
| Mohave County | 90 | 47 | 13 | 14.4% |
| Yavapai County | 75 | 42 | 11 | 14.7% |
| Yuma County | 61 | 33 | 9 | 14.8% |
| Cochise County | 40 | 22 | 6 | 15.0% |
| Santa Cruz County | 33 | 14 | 8 | 24.2% |
| Navajo County | 33 | 20 | 5 | 15.2% |
| Coconino County | 31 | 12 | 7 | 22.6% |
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: 2,032 applications in 2025, of which 1,088 were originated and 309 denied.
15.2% of all applications, or 22.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Wells Fargo Bank originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Wells Fargo 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