Copper State Credit Union mortgage approval rate & lending review
Copper State Credit Union decided 1,113 mortgage applications and funded 842 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Copper State Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Copper State Credit Union at a glance
Approval is 12.3 points above the 68.4% 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 | 96% | 87 / 91 | 98% | $285K | 85 |
| Home improvement loans | 81% | 426 / 525 | 94% | $55K | 399 |
| Cash-out refinance | 77% | 245 / 320 | 91% | $75K | 224 |
| Refinance | 84% | 118 / 140 | 96% | $85K | 113 |
Copper State Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 81% | $75K | 1,101 | 837 |
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 Copper State Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 82% | 470 | 359 |
| Maricopa County, AZ | Cash-out refinance | 76% | 257 | 179 |
| Maricopa County, AZ | Refinance | 84% | 132 | 106 |
| Pinal County, AZ | Cash-out refinance | 74% | 46 | 32 |
| Pinal County, AZ | Home improvement loans | 80% | 20 | 16 |
The county markets where Copper State Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Copper State Credit Union
What is Copper State Credit Union's mortgage approval rate?
Copper State Credit Union approved 80.7% of the 1,113 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 68.4% national rate for the same mix of loan types.
How often do borrowers take the loan Copper State Credit Union offers?
Borrowers accepted 94% of the loans Copper State 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 Copper State Credit Union make?
The typical home improvement loan loan Copper State Credit Union made was $55K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Copper State Credit Union lend?
Copper State Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Arizona, California and North Carolina.
Can I apply to Copper State Credit Union directly?
Yes. Copper State Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Copper State 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 Copper State Credit Union treats applications, then get a rate quote from the lender.