Western State Bank in Arizona vs the state
5.4%Denial rate-10.80 pts vs state
7.5%Decision denial rate-12.95 pts vs state
67.4%Origination rate+7.91 pts vs state
6.75%Median rate+0.25 pts vs state
0.20Rate spread (pts)-0.02 pts vs state
$164kMedian applicant income
62Loans originated
5Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 64 | 9.5% | 6.79% | #237 |
| 2024 | 104 | 55 | 12.5% | 7.13% | #232 |
| 2025 | 92 | 62 | 5.4% | 6.75% | #254 |
What Western State Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Western State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 68 | 46 | 3 | 4.4% |
| Pinal County | 15 | 10 | 0 | 0.0% |
| Navajo County | 3 | 2 | 0 | 0.0% |
| Gila County | 2 | 1 | 1 | 50.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
| Yavapai County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
| Pima 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: 92 applications in 2025, of which 62 were originated and 5 denied.
5.4% of all applications, or 7.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Western State Bank originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Western State 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