Usalliance Federal Credit Union in Arizona vs the state
15.5%Denial rate-0.71 pts vs state
17.0%Decision denial rate-3.43 pts vs state
74.1%Origination rate+14.66 pts vs state
8.00%Median rate+1.50 pts vs state
1.01Rate spread (pts)+0.78 pts vs state
$174kMedian applicant income
43Loans originated
9Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 17 | 17.9% | 9.75% | #379 |
| 2024 | 8 | 5 | 25.0% | 9.38% | #517 |
| 2025 | 58 | 43 | 15.5% | 8.00% | #293 |
What Usalliance Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 40 | 29 | 6 | 15.0% |
| Pima County | 7 | 6 | 1 | 14.3% |
| Yavapai County | 5 | 2 | 2 | 40.0% |
| Pinal County | 2 | 2 | 0 | 0.0% |
| Cochise County | 2 | 2 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| Coconino County | 1 | 1 | 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: 58 applications in 2025, of which 43 were originated and 9 denied.
15.5% of all applications, or 17.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Usalliance Federal Credit Union originated in Arizona in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Usalliance 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