Copper State Credit Union in Arizona vs the state
22.8%Denial rate+6.52 pts vs state
24.3%Decision denial rate+3.92 pts vs state
64.9%Origination rate+5.43 pts vs state
6.75%Median rate+0.25 pts vs state
0.76Rate spread (pts)+0.54 pts vs state
$130kMedian applicant income
910Loans originated
319Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 717 | 517 | 21.5% | 8.00% | #79 |
| 2024 | 720 | 535 | 18.2% | 8.00% | #82 |
| 2025 | 1,402 | 910 | 22.8% | 6.75% | #49 |
What Copper State Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Copper State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,112 | 722 | 256 | 23.0% |
| Pinal County | 157 | 103 | 36 | 22.9% |
| Pima County | 45 | 28 | 8 | 17.8% |
| Gila County | 39 | 24 | 9 | 23.1% |
| Yavapai County | 15 | 11 | 3 | 20.0% |
| Coconino County | 10 | 7 | 2 | 20.0% |
| Navajo County | 8 | 6 | 1 | 12.5% |
| Cochise County | 4 | 3 | 0 | 0.0% |
| Yuma County | 3 | 2 | 0 | 0.0% |
| Mohave County | 3 | 1 | 2 | 66.7% |
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: 1,402 applications in 2025, of which 910 were originated and 319 denied.
22.8% of all applications, or 24.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Copper State Credit Union originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Copper State 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