Desert Financial Credit Union in Arizona vs the state
24.3%Denial rate+8.06 pts vs state
26.1%Decision denial rate+5.64 pts vs state
62.3%Origination rate+2.78 pts vs state
6.49%Median rate-0.01 pts vs state
-0.71Rate spread (pts)-0.93 pts vs state
$106kMedian applicant income
10,566Loans originated
4,122Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14,196 | 6,806 | 45.9% | 5.99% | #2 |
| 2024 | 14,819 | 8,747 | 30.3% | 6.38% | #3 |
| 2025 | 16,970 | 10,566 | 24.3% | 6.49% | #3 |
What Desert Financial Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Desert Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 14,727 | 9,267 | 3,515 | 23.9% |
| Pinal County | 1,223 | 714 | 330 | 27.0% |
| Yavapai County | 321 | 192 | 95 | 29.6% |
| Gila County | 191 | 97 | 56 | 29.3% |
| Coconino County | 151 | 94 | 32 | 21.2% |
| Pima County | 147 | 82 | 39 | 26.5% |
| Navajo County | 92 | 57 | 21 | 22.8% |
| Mohave County | 40 | 22 | 12 | 30.0% |
| Yuma County | 25 | 16 | 8 | 32.0% |
| Cochise County | 16 | 9 | 3 | 18.8% |
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% |
| 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% |
| Newrez | D | 4,922 | 16.9% | 6.38% |
Frequently asked questions
Arizona: 16,970 applications in 2025, of which 10,566 were originated and 4,122 denied.
24.3% of all applications, or 26.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Desert Financial Credit Union originated in Arizona in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Desert Financial 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