Mountain America Federal Credit Union in Arizona vs the state
42.8%Denial rate+26.56 pts vs state
51.9%Decision denial rate+31.53 pts vs state
38.8%Origination rate-20.69 pts vs state
7.38%Median rate+0.88 pts vs state
0.80Rate spread (pts)+0.58 pts vs state
$107kMedian applicant income
872Loans originated
962Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,478 | 1,157 | 30.2% | 8.24% | #27 |
| 2024 | 2,110 | 858 | 35.7% | 8.63% | #35 |
| 2025 | 2,248 | 872 | 42.8% | 7.38% | #35 |
What Mountain America Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 1,485 | 592 | 616 | 41.5% |
| Pinal County | 399 | 164 | 166 | 41.6% |
| Mohave County | 111 | 34 | 55 | 49.5% |
| Yavapai County | 67 | 20 | 30 | 44.8% |
| Pima County | 49 | 19 | 22 | 44.9% |
| Navajo County | 46 | 23 | 13 | 28.3% |
| Coconino County | 38 | 7 | 27 | 71.1% |
| Gila County | 17 | 6 | 9 | 52.9% |
| Apache County | 9 | 2 | 5 | 55.6% |
| Cochise County | 9 | 0 | 6 | 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: 2,248 applications in 2025, of which 872 were originated and 962 denied.
42.8% of all applications, or 51.9% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Mountain America Federal Credit Union originated in Arizona in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Mountain America 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