AERO Federal Credit Union in Arizona vs the state
15.7%Denial rate-0.54 pts vs state
17.1%Decision denial rate-3.34 pts vs state
76.2%Origination rate+16.75 pts vs state
5.95%Median rate-0.55 pts vs state
-0.95Rate spread (pts)-1.17 pts vs state
$126kMedian applicant income
311Loans originated
64Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 102 | 25.0% | 7.00% | #177 |
| 2024 | 285 | 205 | 15.4% | 6.50% | #137 |
| 2025 | 408 | 311 | 15.7% | 5.95% | #127 |
What AERO Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most AERO Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 376 | 288 | 57 | 15.2% |
| Pinal County | 15 | 10 | 4 | 26.7% |
| Pima County | 6 | 4 | 2 | 33.3% |
| Yavapai County | 4 | 4 | 0 | 0.0% |
| Navajo County | 3 | 1 | 1 | 33.3% |
| Yuma County | 2 | 2 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 408 applications in 2025, of which 311 were originated and 64 denied.
15.7% of all applications, or 17.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans AERO Federal Credit Union originated in Arizona in 2025 was 5.95%, against a statewide median of 6.50%.
About this data. Figures are AERO Federal Credit Union's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology