Zions Bancorporation in Arizona vs the state
34.2%Denial rate+17.94 pts vs state
34.5%Decision denial rate+14.08 pts vs state
48.9%Origination rate-10.57 pts vs state
8.00%Median rate+1.50 pts vs state
0.74Rate spread (pts)+0.52 pts vs state
$115kMedian applicant income
1,168Loans originated
816Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,736 | 1,325 | 37.7% | 8.75% | #24 |
| 2024 | 2,570 | 1,283 | 35.2% | 8.90% | #29 |
| 2025 | 2,388 | 1,168 | 34.2% | 8.00% | #31 |
What Zions Bancorporation lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 797 | 409 | 269 | 33.8% |
| Pima County | 343 | 168 | 97 | 28.3% |
| Yuma County | 300 | 131 | 135 | 45.0% |
| Yavapai County | 258 | 126 | 83 | 32.2% |
| Mohave County | 165 | 79 | 61 | 37.0% |
| Navajo County | 126 | 68 | 32 | 25.4% |
| Coconino County | 111 | 64 | 30 | 27.0% |
| Pinal County | 74 | 21 | 31 | 41.9% |
| Cochise County | 67 | 33 | 20 | 29.9% |
| Gila County | 54 | 27 | 20 | 37.0% |
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: 2,388 applications in 2025, of which 1,168 were originated and 816 denied.
34.2% of all applications, or 34.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Zions Bancorporation originated in Arizona in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Zions Bancorporation'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