AMERICA FIRST Federal Credit Union in Arizona vs the state
24.9%Denial rate+8.69 pts vs state
27.0%Decision denial rate+6.61 pts vs state
61.9%Origination rate+2.42 pts vs state
7.24%Median rate+0.74 pts vs state
0.60Rate spread (pts)+0.38 pts vs state
$120kMedian applicant income
780Loans originated
314Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,076 | 728 | 20.1% | 7.74% | #59 |
| 2024 | 1,135 | 736 | 22.9% | 7.74% | #60 |
| 2025 | 1,260 | 780 | 24.9% | 7.24% | #55 |
What AMERICA FIRST Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most AMERICA FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 666 | 427 | 163 | 24.5% |
| Mohave County | 155 | 88 | 41 | 26.5% |
| Pinal County | 113 | 78 | 23 | 20.4% |
| Pima County | 104 | 56 | 31 | 29.8% |
| Coconino County | 53 | 29 | 13 | 24.5% |
| Yavapai County | 41 | 28 | 8 | 19.5% |
| Apache County | 40 | 23 | 10 | 25.0% |
| Navajo County | 20 | 10 | 6 | 30.0% |
| Yuma County | 19 | 9 | 5 | 26.3% |
| Gila County | 18 | 14 | 2 | 11.1% |
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: 1,260 applications in 2025, of which 780 were originated and 314 denied.
24.9% of all applications, or 27.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans AMERICA FIRST Federal Credit Union originated in Arizona in 2025 was 7.24%, against a statewide median of 6.50%.
About this data. Figures are AMERICA FIRST 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