Finance Atlas

Banking & Mortgage-Lending Access in Arizona

186 FDIC-insured institutions (12 currently active) are recorded in Arizona in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 23.3% in Arizona.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

186
FDIC institutions (total)
12
Currently active
23.3%
Overall denial rate (HMDA 2024)
167,105
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Arizona?

FDIC BankFind records 186 FDIC-insured institutions (all historical) in Arizona, of which 12 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 186
Currently active 12

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Arizona?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Arizona:

Charter class Description Count
NM State non-member bank (Fed non-member) 82
N National bank (OCC-chartered) 49
SL Savings institution (state-chartered S&L) 28
SM State member bank (Fed member) 18
SB Savings bank (state-chartered) 9

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Arizona? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 23.3% in Arizona. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 23.3%
White applicants 21.8%
Black applicants 32.2%
Black/White denial rate ratio 1.48x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=AZ

Mortgage origination volume in Arizona (2024)

HMDA 2024 data record 167,105 originated mortgage loans in Arizona , totaling $58.9B , with an average loan size of $352,652.

Metric Value
Originated loans (2024) 167,105
Total origination volume $58.9B
Average loan size $352,652

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=AZ

Data exported June 20, 2026 · content hash 6a6de8cf5efaa268 · machine-readable brief: /finance/states/az/context.md

Where to act