First Credit Union
First Credit Union received 100 applications in 2025 and made 70 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 6.563% on a median loan of $165,000. Of 100 decisions, 16 were denials — 16.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930082CRK7E43ZJ680 |
|---|---|
| Applications received | 100 |
| Mortgages made | 70 |
| Denied | 16 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.028 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 | 28 | 6.000% | $370,000 | 5.7% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 15 | 6.500% | $135,000 | 10.0% |
| Other purposes | 23 | 7.500% | $55,000 | 30.0% |
Where First Credit Union lends most
The 8 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 | 52 | 6.188% | 14.9% |
| Pima County, AZ | 8 | Under 10 loans | 25.0% |
| Yavapai County, AZ | 3 | Under 10 loans | 0.0% |
| Navajo County, AZ | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 25.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, AZ | 1 | Under 10 loans | 50.0% |
| Yuma County, AZ | 1 | Under 10 loans | 0.0% |
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When First Credit Union’s figures are published for the next year, or restated.
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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.