GTE Federal Credit Union in Arizona vs the state
15.5%Denial rate-0.70 pts vs state
16.8%Decision denial rate-3.57 pts vs state
75.7%Origination rate+16.25 pts vs state
8.50%Median rate+2.00 pts vs state
1.24Rate spread (pts)+1.02 pts vs state
$140kMedian applicant income
78Loans originated
16Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 37 | 29.0% | 10.24% | #285 |
| 2024 | 74 | 51 | 18.9% | 9.75% | #273 |
| 2025 | 103 | 78 | 15.5% | 8.50% | #239 |
What GTE Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 68 | 54 | 7 | 10.3% |
| Pinal County | 9 | 6 | 3 | 33.3% |
| Yavapai County | 7 | 4 | 3 | 42.9% |
| Pima County | 6 | 3 | 2 | 33.3% |
| Coconino County | 5 | 3 | 1 | 20.0% |
| Yuma County | 3 | 3 | 0 | 0.0% |
| Navajo County | 2 | 2 | 0 | 0.0% |
| Gila County | 1 | 1 | 0 | 0.0% |
| Apache County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 1 | 0 | 0.0% |
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: 103 applications in 2025, of which 78 were originated and 16 denied.
15.5% of all applications, or 16.8% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans GTE Federal Credit Union originated in Arizona in 2025 was 8.50%, against a statewide median of 6.50%.
About this data. Figures are GTE 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