Idaho Central Credit Union in Arizona vs the state
28.3%Denial rate+12.02 pts vs state
32.1%Decision denial rate+11.64 pts vs state
46.9%Origination rate-12.59 pts vs state
7.00%Median rate+0.50 pts vs state
-7.07Rate spread (pts)-7.29 pts vs state
$114kMedian applicant income
83Loans originated
50Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 5 | 27.3% | 6.63% | #503 |
| 2024 | 8 | 6 | 0.0% | 6.81% | #515 |
| 2025 | 177 | 83 | 28.3% | 7.00% | #185 |
What Idaho Central Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Idaho Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 136 | 58 | 42 | 30.9% |
| Maricopa County | 26 | 15 | 6 | 23.1% |
| Mohave County | 6 | 4 | 1 | 16.7% |
| Cochise County | 4 | 3 | 0 | 0.0% |
| Yuma County | 2 | 1 | 0 | 0.0% |
| La Paz County | 2 | 1 | 1 | 50.0% |
| Yavapai 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: 177 applications in 2025, of which 83 were originated and 50 denied.
28.3% of all applications, or 32.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Idaho Central Credit Union originated in Arizona in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Idaho Central 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