Arizona Financial Credit Union
Arizona Financial Credit Union received 3,746 applications in 2025 and made 2,185 mortgages, in 51 counties across 23 states. The median rate its borrowers got was 7.250% on a median loan of $75,000. Of 3,410 decisions, 950 were denials — 27.9%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300V36YE6JCCEJB76 |
|---|---|
| Applications received | 3,746 |
| Mortgages made | 2,185 |
| Denied | 950 |
| Approved, not taken up | 275 |
| Withdrawn or incomplete | 336 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5715 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 232 | 6.625% | $395,000 | 11.5% |
| Refinancing | 376 | 7.250% | $90,000 | 20.1% |
| Cash-out refinancing | 31 | 6.625% | $255,000 | 5.7% |
| Other purposes | 1,546 | 7.250% | $55,000 | 31.4% |
Where Arizona Financial Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 1,807 | 7.250% | 27.6% |
| Mohave County, AZ | 148 | 6.750% | 27.3% |
| Pinal County, AZ | 97 | 7.250% | 30.3% |
| Yavapai County, AZ | 27 | 7.000% | 22.9% |
| Navajo County, AZ | 23 | 7.000% | 7.7% |
| Pima County, AZ | 23 | 7.250% | 40.9% |
| Coconino County, AZ | 17 | 6.500% | 4.8% |
| Gila County, AZ | 12 | 6.813% | 14.3% |
| La Paz County, AZ | 6 | Under 10 loans | 40.0% |
| Santa Cruz County, AZ | 4 | Under 10 loans | 33.3% |
| Yuma County, AZ | 4 | Under 10 loans | 60.0% |
| Apache County, AZ | 2 | Under 10 loans | 40.0% |
| Cochise County, AZ | 2 | Under 10 loans | 33.3% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Houston County, GA | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Meade County, KY | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 66.7% |
| Sandoval County, NM | 1 | Under 10 loans | 0.0% |
| Grady County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
| Harney County, OR | 1 | Under 10 loans | 0.0% |
| Fentress County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Greenlee County, AZ | 0 | Under 10 loans | 100.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Los Angeles County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| Solano County, CA | 0 | Under 10 loans | 100.0% |
| El Paso County, CO | 0 | Under 10 loans | Not published |
| Fremont County, CO | 0 | Under 10 loans | Not published |
| Seminole County, FL | 0 | Under 10 loans | Not published |
| DeKalb County, GA | 0 | Under 10 loans | 100.0% |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| DuPage County, IL | 0 | Under 10 loans | Not published |
| Marion County, KS | 0 | Under 10 loans | Not published |
| Macomb County, MI | 0 | Under 10 loans | 100.0% |
| St. Louis County, MO | 0 | Under 10 loans | Not published |
| Otero County, NM | 0 | Under 10 loans | Not published |
| Mecklenburg County, NC | 0 | Under 10 loans | Not published |
| Cuyahoga County, OH | 0 | Under 10 loans | 100.0% |
| Clackamas County, OR | 0 | Under 10 loans | Not published |
| Bucks County, PA | 0 | Under 10 loans | 100.0% |
| Anderson County, SC | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | 100.0% |
| Ellis County, TX | 0 | Under 10 loans | Not published |
| El Paso County, TX | 0 | Under 10 loans | 100.0% |
| Williamson County, TX | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.