PIMA Federal Credit Union in Arizona vs the state
16.9%Denial rate+0.66 pts vs state
20.6%Decision denial rate+0.14 pts vs state
63.8%Origination rate+4.35 pts vs state
7.75%Median rate+1.25 pts vs state
1.09Rate spread (pts)+0.87 pts vs state
$87kMedian applicant income
480Loans originated
127Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 513 | 348 | 15.4% | 8.75% | #99 |
| 2024 | 835 | 549 | 12.9% | 8.75% | #74 |
| 2025 | 752 | 480 | 16.9% | 7.75% | #86 |
What PIMA Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most PIMA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pima County | 639 | 401 | 106 | 16.6% |
| Maricopa County | 34 | 26 | 4 | 11.8% |
| Pinal County | 25 | 15 | 6 | 24.0% |
| Apache County | 16 | 11 | 2 | 12.5% |
| Santa Cruz County | 12 | 7 | 4 | 33.3% |
| Yuma County | 11 | 8 | 3 | 27.3% |
| Navajo County | 10 | 8 | 2 | 20.0% |
| Cochise County | 3 | 3 | 0 | 0.0% |
| Graham County | 1 | 1 | 0 | 0.0% |
| Mohave County | 1 | 0 | 0 | 0.0% |
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: 752 applications in 2025, of which 480 were originated and 127 denied.
16.9% of all applications, or 20.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans PIMA Federal Credit Union originated in Arizona in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are PIMA 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