National Police Federal Credit Union effective in Arizona vs the state
18.2%Denial rate+1.95 pts vs state
25.0%Decision denial rate+4.59 pts vs state
54.6%Origination rate-4.93 pts vs state
—Median rate
—Rate spread (pts)
$153kMedian applicant income
6Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 16.7% | — | #595 |
| 2024 | 6 | 5 | 0.0% | — | #566 |
| 2025 | 11 | 6 | 18.2% | — | #489 |
What National Police Federal Credit Union effective lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most National Police Federal Credit Union effective applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 7 | 3 | 1 | 14.3% |
| Pinal County | 2 | 2 | 0 | 0.0% |
| Yavapai County | 1 | 1 | 0 | 0.0% |
| Graham County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 6 were originated and 2 denied.
18.2% of all applications, or 25.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are National Police Federal Credit Union effective'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