Arizona Financial Credit Union in California vs the state
37.5%Denial rate+20.08 pts vs state
100.0%Decision denial rate+77.60 pts vs state
0.0%Origination rate-56.20 pts vs state
—Median rate
—Rate spread (pts)
$197kMedian applicant income
0Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 0 | 16.7% | — | #806 |
| 2025 | 8 | 0 | 37.5% | — | #758 |
What Arizona Financial Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arizona Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4 | 0 | 1 | 25.0% |
| Alameda County | 1 | 0 | 1 | 100.0% |
| Solano County | 1 | 0 | 1 | 100.0% |
| Sacramento County | 1 | 0 | 0 | 0.0% |
| San Diego County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 8 applications in 2025, of which 0 were originated and 3 denied.
37.5% of all applications, or 100.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Arizona Financial Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology