State Department Federal Credit Union in Arizona vs the state
40.0%Denial rate+23.77 pts vs state
46.2%Decision denial rate+25.74 pts vs state
46.7%Origination rate-12.81 pts vs state
6.13%Median rate-0.38 pts vs state
-0.35Rate spread (pts)-0.57 pts vs state
$162kMedian applicant income
7Loans originated
6Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 26.7% | 7.50% | #454 |
| 2024 | 12 | 5 | 41.7% | 7.95% | #459 |
| 2025 | 15 | 7 | 40.0% | 6.13% | #451 |
What State Department Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 9 | 4 | 4 | 44.4% |
| Pima County | 6 | 3 | 2 | 33.3% |
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: 15 applications in 2025, of which 7 were originated and 6 denied.
40.0% of all applications, or 46.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans State Department Federal Credit Union originated in Arizona in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are State Department 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