OneAZ Credit Union
OneAZ Credit Union received 4,198 applications in 2025 and made 1,992 mortgages, in 37 counties across 19 states. The median rate its borrowers got was 7.250% on a median loan of $155,000. Of 3,301 decisions, 1,183 were denials — 35.8%, most often for other. 19 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300EWL25M8JXH2R78 |
|---|---|
| Applications received | 4,198 |
| Mortgages made | 1,992 |
| Denied | 1,183 |
| Approved, not taken up | 126 |
| Withdrawn or incomplete | 897 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.121 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 | 507 | 6.125% | $375,000 | 12.9% |
| Refinancing | 172 | 6.250% | $325,000 | 19.9% |
| Cash-out refinancing | 122 | 6.500% | $255,000 | 42.4% |
| Other purposes | 1,191 | 7.250% | $105,000 | 42.8% |
Where OneAZ Credit Union lends most
The 37 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 | 969 | 7.250% | 34.6% |
| Yavapai County, AZ | 384 | 7.250% | 35.2% |
| Pima County, AZ | 224 | 7.250% | 38.8% |
| Coconino County, AZ | 177 | 7.250% | 25.5% |
| Graham County, AZ | 115 | 7.250% | 37.6% |
| Pinal County, AZ | 63 | 6.500% | 39.8% |
| Yuma County, AZ | 16 | 6.875% | 37.0% |
| Navajo County, AZ | 12 | 7.250% | 33.3% |
| Santa Cruz County, AZ | 10 | 6.813% | 47.4% |
| Cochise County, AZ | 8 | Under 10 loans | 46.7% |
| Gila County, AZ | 5 | Under 10 loans | 45.5% |
| Greenlee County, AZ | 4 | Under 10 loans | 64.3% |
| Mohave County, AZ | 3 | Under 10 loans | 50.0% |
| Apache County, AZ | 2 | Under 10 loans | 33.3% |
| Jefferson County, AL | 0 | Under 10 loans | 100.0% |
| La Paz County, AZ | 0 | Under 10 loans | 100.0% |
| Pope County, AR | 0 | Under 10 loans | 100.0% |
| Imperial County, CA | 0 | Under 10 loans | 100.0% |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Southeastern Connecticut Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Seminole County, FL | 0 | Under 10 loans | 100.0% |
| Fulton County, GA | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| Cowley County, KS | 0 | Under 10 loans | 100.0% |
| Ascension Parish, LA | 0 | Under 10 loans | 100.0% |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
| Glacier County, MT | 0 | Under 10 loans | Not published |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Bernalillo County, NM | 0 | Under 10 loans | 100.0% |
| Cass County, ND | 0 | Under 10 loans | 100.0% |
| Creek County, OK | 0 | Under 10 loans | Not published |
| McPherson County, SD | 0 | Under 10 loans | 100.0% |
| Rutherford County, TN | 0 | Under 10 loans | 100.0% |
| Lubbock County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
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When OneAZ 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.