Arizona Financial Credit Union mortgage approval rate & lending review
Arizona Financial Credit Union decided 5,786 mortgage applications and funded 3,666 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arizona Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arizona Financial Credit Union at a glance
Approval is 6.0 points above the 68.2% 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 | 86% | 483 / 563 | 96% | $435K | 464 |
| Home improvement loans | 71% | 2,726 / 3,831 | 82% | $55K | 2,224 |
| Cash-out refinance | 86% | 66 / 77 | 94% | $255K | 62 |
| Refinance | 79% | 871 / 1,105 | 89% | $75K | 777 |
| Investment property purchase | 87% | 91 / 105 | 97% | $365K | 88 |
| Investment home improvement | 46% | 33 / 72 | 88% | $185K | 29 |
Arizona Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 74% | $55K | 5,758 | 3,650 |
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 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 72% | 3,365 | 1,991 |
| Maricopa County, AZ | Refinance | 79% | 999 | 706 |
| Mohave County, AZ | Mortgage lenders | 95% | 119 | 110 |
| Pinal County, AZ | Home improvement loans | 65% | 177 | 97 |
| Mohave County, AZ | Home improvement loans | 59% | 185 | 90 |
| Mohave County, AZ | Investment property purchase | 98% | 47 | 44 |
| Pinal County, AZ | Refinance | 78% | 55 | 38 |
| Pima County, AZ | Home improvement loans | 54% | 41 | 18 |
| Mohave County, AZ | Refinance | 82% | 28 | 17 |
| Yavapai County, AZ | Home improvement loans | 77% | 22 | 13 |
| Maricopa County, AZ | Investment home improvement | 28% | 40 | 11 |
The county markets where Arizona Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Arizona Financial Credit Union
What is Arizona Financial Credit Union's mortgage approval rate?
Arizona Financial Credit Union approved 74.2% of the 5,786 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 68.2% national rate for the same mix of loan types.
How often do borrowers take the loan Arizona Financial Credit Union offers?
Borrowers accepted 85% of the loans Arizona Financial 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 Financial Credit Union make?
The typical home improvement loan loan Arizona Financial Credit Union made was $55K; across all loan types its typical loan ran from $55K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arizona Financial Credit Union lend?
Arizona Financial Credit Union decided applications in 16 of the states Fat Boy Data covers, most of them in Arizona, Texas and Illinois.
Can I apply to Arizona Financial Credit Union directly?
Yes. Arizona Financial Credit Union is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arizona Financial 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 Financial Credit Union treats applications, then get a rate quote from the lender.