Navy Federal Credit Union in Arizona vs the state
24.0%Denial rate+7.75 pts vs state
34.7%Decision denial rate+14.24 pts vs state
44.3%Origination rate-15.15 pts vs state
7.75%Median rate+1.25 pts vs state
0.84Rate spread (pts)+0.62 pts vs state
$117kMedian applicant income
1,960Loans originated
1,060Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,245 | 1,898 | 27.8% | 7.75% | #12 |
| 2024 | 4,668 | 2,207 | 23.7% | 8.35% | #11 |
| 2025 | 4,421 | 1,960 | 24.0% | 7.75% | #15 |
What Navy Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 2,569 | 1,133 | 621 | 24.2% |
| Pima County | 466 | 213 | 95 | 20.4% |
| Yuma County | 403 | 192 | 104 | 25.8% |
| Pinal County | 349 | 148 | 96 | 27.5% |
| Cochise County | 201 | 95 | 44 | 21.9% |
| Mohave County | 148 | 67 | 27 | 18.2% |
| Yavapai County | 140 | 55 | 38 | 27.1% |
| Coconino County | 41 | 19 | 7 | 17.1% |
| Navajo County | 34 | 8 | 12 | 35.3% |
| Gila County | 25 | 11 | 3 | 12.0% |
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: 4,421 applications in 2025, of which 1,960 were originated and 1,060 denied.
24.0% of all applications, or 34.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Navy Federal Credit Union originated in Arizona in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Navy 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