Credit Union West in Arizona vs the state
26.6%Denial rate+10.41 pts vs state
31.7%Decision denial rate+11.24 pts vs state
53.9%Origination rate-5.56 pts vs state
7.75%Median rate+1.25 pts vs state
0.79Rate spread (pts)+0.57 pts vs state
$109kMedian applicant income
674Loans originated
333Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,209 | 618 | 32.2% | 8.75% | #55 |
| 2024 | 1,337 | 639 | 33.3% | 8.75% | #51 |
| 2025 | 1,250 | 674 | 26.6% | 7.75% | #56 |
What Credit Union West lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Credit Union West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,001 | 537 | 269 | 26.9% |
| Yavapai County | 159 | 99 | 33 | 20.8% |
| Pinal County | 41 | 18 | 15 | 36.6% |
| Pima County | 22 | 7 | 7 | 31.8% |
| Gila County | 6 | 3 | 3 | 50.0% |
| Navajo County | 6 | 3 | 1 | 16.7% |
| Mohave County | 4 | 2 | 1 | 25.0% |
| Santa Cruz County | 3 | 2 | 0 | 0.0% |
| Coconino County | 3 | 1 | 1 | 33.3% |
| Graham 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: 1,250 applications in 2025, of which 674 were originated and 333 denied.
26.6% of all applications, or 31.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Credit Union West originated in Arizona in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Credit Union West'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