OneAZ Credit Union in Arizona vs the state
27.8%Denial rate+11.53 pts vs state
35.4%Decision denial rate+14.94 pts vs state
47.8%Origination rate-11.72 pts vs state
7.25%Median rate+0.75 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$120kMedian applicant income
1,992Loans originated
1,158Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,707 | 1,578 | 32.9% | 6.79% | #14 |
| 2024 | 4,087 | 1,688 | 32.5% | 8.00% | #14 |
| 2025 | 4,171 | 1,992 | 27.8% | 7.25% | #16 |
What OneAZ Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most OneAZ Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 2,034 | 969 | 542 | 26.6% |
| Yavapai County | 817 | 384 | 226 | 27.7% |
| Pima County | 500 | 224 | 154 | 30.8% |
| Coconino County | 306 | 177 | 64 | 20.9% |
| Graham County | 221 | 115 | 71 | 32.1% |
| Pinal County | 125 | 63 | 43 | 34.4% |
| Yuma County | 35 | 16 | 10 | 28.6% |
| Navajo County | 25 | 12 | 6 | 24.0% |
| Cochise County | 23 | 8 | 7 | 30.4% |
| Greenlee County | 22 | 4 | 9 | 40.9% |
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: 4,171 applications in 2025, of which 1,992 were originated and 1,158 denied.
27.8% of all applications, or 35.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans OneAZ Credit Union originated in Arizona in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are OneAZ 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