Arrowhead Central Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd55.5% deniedPricingmedian rate spread over APOR, weight 30%
3rd1.28 ptsProcesswithdrawn + incomplete share, weight 15%
64th14.1%Closing coststotal loan costs ÷ loan amount, weight 10%
1st8.53% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,037 | 666 | 49.2% | 58.0% | 7.50% | $63M |
| 2024 | 1,758 | 499 | 59.8% | 67.1% | 7.50% | $58M |
| 2025 | 1,582 | 597 | 47.7% | 55.5% | 8.00% | $94M |
What Arrowhead Central Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 471 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 22 investment properties.
Why Arrowhead Central Credit Union denies applications
Primary reason reported for each of the 754 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Arrowhead Central Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 132 | 14 | 87.3% |
| $50k – $100k | 521 | 154 | 65.2% |
| $100k – $150k | 453 | 177 | 54.4% |
| $150k – $250k | 347 | 187 | 37.0% |
| Over $250k | 120 | 61 | 34.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 97 | 34 | 56.6% |
| 35–44 | 366 | 131 | 57.7% |
| 45–54 | 444 | 171 | 54.7% |
| 55–64 | 369 | 135 | 58.5% |
| 65–74 | 221 | 91 | 51.1% |
| Over 74 | 72 | 34 | 44.3% |
Where Arrowhead Central Credit Union lends
5 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,536 | 584 | 47.4% | 8.00% | #129 |
| Arizona | 34 | 10 | 61.8% | 8.13% | #360 |
| Nevada | 10 | 3 | 40.0% | 8.00% | #314 |
Frequently asked questions
Arrowhead Central Credit Union denied 55.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of mid-size mortgage lenders.
The most common reason Arrowhead Central Credit Union gave in 2025 was "debt-to-income ratio", cited on 43.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Arrowhead Central Credit Union originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 1.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 3% of its applications were for home purchases, 7% for refinancing (including cash-out), and 90% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.