PIMA Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th21.2% deniedPricingmedian rate spread over APOR, weight 30%
6th1.09 ptsProcesswithdrawn + incomplete share, weight 15%
20th18.4%Closing coststotal loan costs ÷ loan amount, weight 10%
48th3.20% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 515 | 348 | 15.5% | 18.2% | 8.75% | $92M |
| 2024 | 835 | 549 | 12.9% | 16.4% | 8.75% | $121M |
| 2025 | 763 | 480 | 17.3% | 21.2% | 7.75% | $129M |
What PIMA Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 485 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 72 investment properties.
Why PIMA Federal Credit Union denies applications
Primary reason reported for each of the 132 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PIMA Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 147 | 70 | 39.8% |
| $50k – $100k | 274 | 163 | 23.1% |
| $100k – $150k | 137 | 97 | 16.2% |
| $150k – $250k | 99 | 73 | 9.6% |
| Over $250k | 52 | 33 | 10.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 67 | 37 | 19.2% |
| 35–44 | 114 | 67 | 27.7% |
| 45–54 | 191 | 122 | 21.2% |
| 55–64 | 142 | 89 | 20.5% |
| 65–74 | 136 | 84 | 18.7% |
| Over 74 | 62 | 33 | 35.9% |
Where PIMA Federal Credit Union lends
2 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arizona | 752 | 480 | 16.9% | 7.75% | #86 |
Frequently asked questions
PIMA Federal Credit Union denied 21.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of home-equity (HELOC) lenders.
The most common reason PIMA Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 58.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans PIMA Federal Credit Union originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 1.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 16% for refinancing (including cash-out), and 67% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.