Arizona Central Credit Union mortgage approval rate & lending review
Arizona Central Credit Union decided 2,024 mortgage applications and funded 1,159 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arizona Central Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arizona Central Credit Union at a glance
Approval is 10.6 points below the 68.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 59% | 138 / 235 | 100% | $345K | 138 |
| Home improvement loans | 74% | 659 / 886 | 100% | $85K | 656 |
| Cash-out refinance | 41% | 327 / 792 | 100% | $85K | 326 |
| Refinance | 68% | 19 / 28 | 100% | $445K | 19 |
| Investment cash-out refinance | 10% | 4 / 42 | 75% | $235K | 3 |
| Investment home improvement | 41% | 11 / 27 | 100% | $95K | 11 |
Arizona Central Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 58% | $85K | 2,024 | 1,159 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Arizona Central Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 74% | 658 | 486 |
| Maricopa County, AZ | Cash-out refinance | 42% | 559 | 231 |
| Pima County, AZ | Home improvement loans | 76% | 62 | 46 |
| Navajo County, AZ | Home improvement loans | 83% | 41 | 34 |
| Pinal County, AZ | Home improvement loans | 62% | 53 | 33 |
| Coconino County, AZ | Home improvement loans | 78% | 41 | 32 |
| Pima County, AZ | Cash-out refinance | 34% | 71 | 24 |
| Pinal County, AZ | Cash-out refinance | 42% | 55 | 23 |
| Coconino County, AZ | Cash-out refinance | 59% | 32 | 19 |
| Navajo County, AZ | Cash-out refinance | 46% | 41 | 19 |
| Maricopa County, AZ | Investment cash-out refinance | 10% | 21 | 1 |
The county markets where Arizona Central Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Arizona Central Credit Union
What is Arizona Central Credit Union's mortgage approval rate?
Arizona Central Credit Union approved 57.5% of the 2,024 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points below the 68.1% national rate for the same mix of loan types.
How often do borrowers take the loan Arizona Central Credit Union offers?
Borrowers accepted 100% of the loans Arizona Central Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Arizona Central Credit Union make?
The typical home improvement loan loan Arizona Central Credit Union made was $85K; across all loan types its typical loan ran from $85K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arizona Central Credit Union lend?
Arizona Central Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Arizona.
Can I apply to Arizona Central Credit Union directly?
Yes. Arizona Central Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arizona Central Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Arizona Central Credit Union treats applications, then get a rate quote from the lender.