Sunward Federal Credit Union in Arizona vs the state
7.7%Denial rate-8.54 pts vs state
9.7%Decision denial rate-10.73 pts vs state
71.8%Origination rate+12.31 pts vs state
6.19%Median rate-0.31 pts vs state
-0.45Rate spread (pts)-0.67 pts vs state
$172kMedian applicant income
28Loans originated
3Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 13 | 5.3% | 6.25% | #415 |
| 2024 | 23 | 20 | 8.7% | 7.38% | #392 |
| 2025 | 39 | 28 | 7.7% | 6.19% | #342 |
What Sunward Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
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: 39 applications in 2025, of which 28 were originated and 3 denied.
7.7% of all applications, or 9.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Sunward Federal Credit Union originated in Arizona in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Sunward 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