Copper State 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 D 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%
15th24.5% deniedPricingmedian rate spread over APOR, weight 30%
9th0.75 ptsProcesswithdrawn + incomplete share, weight 15%
91st6.9%Closing coststotal loan costs ÷ loan amount, weight 10%
98th0.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 722 | 520 | 21.5% | 22.2% | 8.00% | $40M |
| 2024 | 728 | 536 | 18.5% | 19.4% | 8.00% | $43M |
| 2025 | 1,418 | 914 | 22.9% | 24.5% | 6.75% | $83M |
What Copper State 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: 118 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 13 investment properties.
Why Copper State Credit Union denies applications
Primary reason reported for each of the 324 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Copper State 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 | 92 | 29 | 59.8% |
| $50k – $100k | 369 | 215 | 29.8% |
| $100k – $150k | 379 | 263 | 20.0% |
| $150k – $250k | 393 | 299 | 15.5% |
| Over $250k | 180 | 105 | 27.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 159 | 90 | 30.1% |
| 35–44 | 350 | 210 | 28.7% |
| 45–54 | 345 | 230 | 22.9% |
| 55–64 | 333 | 228 | 21.6% |
| 65–74 | 168 | 119 | 19.9% |
| Over 74 | 56 | 34 | 21.6% |
Where Copper State Credit Union lends
13 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arizona | 1,402 | 910 | 22.8% | 6.75% | #49 |
Frequently asked questions
Copper State Credit Union denied 24.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of mid-size mortgage lenders.
The most common reason Copper State Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.1% 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 Copper State Credit Union originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 4% of its applications were for home purchases, 26% for refinancing (including cash-out), and 70% 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.