Firefighters First Federal Credit Union in Arizona vs the state
12.9%Denial rate-3.31 pts vs state
16.1%Decision denial rate-4.33 pts vs state
67.4%Origination rate+7.94 pts vs state
8.00%Median rate+1.50 pts vs state
0.73Rate spread (pts)+0.51 pts vs state
$134kMedian applicant income
120Loans originated
23Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 115 | 10.6% | 8.50% | #175 |
| 2024 | 169 | 110 | 11.8% | 9.00% | #183 |
| 2025 | 178 | 120 | 12.9% | 8.00% | #183 |
What Firefighters First Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Firefighters First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 102 | 69 | 12 | 11.8% |
| Mohave County | 24 | 14 | 5 | 20.8% |
| Yavapai County | 14 | 9 | 1 | 7.1% |
| Pima County | 13 | 9 | 1 | 7.7% |
| Pinal County | 11 | 9 | 1 | 9.1% |
| Navajo County | 6 | 6 | 0 | 0.0% |
| Yuma County | 3 | 2 | 1 | 33.3% |
| Coconino County | 2 | 1 | 1 | 50.0% |
| Gila County | 2 | 1 | 1 | 50.0% |
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: 178 applications in 2025, of which 120 were originated and 23 denied.
12.9% of all applications, or 16.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Firefighters First Federal Credit Union originated in Arizona in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Firefighters First Federal 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