Copper State Credit Union
Copper State Credit Union received 1,418 applications in 2025 and made 914 mortgages, in 28 counties across 13 states. The median rate its borrowers got was 6.750% on a median loan of $75,000. Of 1,321 decisions, 324 were denials — 24.5%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002IVUY1DY0ZCL83 |
|---|---|
| Applications received | 1,418 |
| Mortgages made | 914 |
| Denied | 324 |
| Approved, not taken up | 83 |
| Withdrawn or incomplete | 97 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.753 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 | 38 | 6.375% | $240,000 | 10.6% |
| Refinancing | 26 | 6.625% | $85,000 | 22.9% |
| Cash-out refinancing | 213 | 7.000% | $65,000 | 23.0% |
| Other purposes | 637 | 6.750% | $65,000 | 25.8% |
Where Copper State Credit Union lends most
The 28 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 | 722 | 6.750% | 24.6% |
| Pinal County, AZ | 103 | 7.250% | 24.3% |
| Pima County, AZ | 28 | 7.000% | 19.1% |
| Gila County, AZ | 24 | 6.500% | 26.5% |
| Yavapai County, AZ | 11 | 6.500% | 20.0% |
| Coconino County, AZ | 7 | Under 10 loans | 22.2% |
| Navajo County, AZ | 6 | Under 10 loans | 12.5% |
| Cochise County, AZ | 3 | Under 10 loans | 0.0% |
| Apache County, AZ | 2 | Under 10 loans | 0.0% |
| Yuma County, AZ | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 66.7% |
| Santa Cruz County, AZ | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Adair County, MO | 1 | Under 10 loans | 0.0% |
| Doña Ana County, NM | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| La Paz County, AZ | 0 | Under 10 loans | 0.0% |
| Placer County, CA | 0 | Under 10 loans | 100.0% |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| Lake County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| St. Johns County, FL | 0 | Under 10 loans | Not published |
| Fulton County, IN | 0 | Under 10 loans | 0.0% |
| Hardin County, KY | 0 | Under 10 loans | Not published |
| Livingston Parish, LA | 0 | Under 10 loans | 100.0% |
| Suffolk County, NY | 0 | Under 10 loans | 100.0% |
| Forsyth County, NC | 0 | Under 10 loans | 100.0% |
| Cache County, UT | 0 | Under 10 loans | Not published |
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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.