Desert Financial Credit Union mortgage approval rate & lending review
Desert Financial Credit Union decided 31,666 mortgage applications and funded 19,257 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Desert Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Desert Financial Credit Union at a glance
Approval is 0.3 points above the 67.5% 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 | 60% | 1,487 / 2,487 | 89% | $195K | 1,330 |
| Home improvement loans | 69% | 13,759 / 19,833 | 90% | $105K | 12,322 |
| Cash-out refinance | 46% | 231 / 499 | 100% | $235K | 230 |
| Refinance | 73% | 4,916 / 6,762 | 90% | $135K | 4,447 |
| Investment property purchase | 52% | 136 / 264 | 88% | $155K | 119 |
| Investment cash-out refinance | 32% | 12 / 38 | 83% | $135K | 10 |
| Investment refinance | 51% | 152 / 297 | 86% | $135K | 131 |
| Investment home improvement | 51% | 765 / 1,486 | 87% | $105K | 668 |
Desert Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 68% | $105K | 31,627 | 19,257 |
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 Desert Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 70% | 17,736 | 11,127 |
| Maricopa County, AZ | Refinance | 73% | 6,139 | 4,061 |
| Maricopa County, AZ | Mortgage lenders | 60% | 2,129 | 1,136 |
| Pinal County, AZ | Home improvement loans | 61% | 1,417 | 799 |
| Maricopa County, AZ | Investment home improvement | 51% | 1,229 | 548 |
| Pinal County, AZ | Refinance | 68% | 408 | 256 |
| Maricopa County, AZ | Cash-out refinance | 47% | 434 | 205 |
| Yavapai County, AZ | Home improvement loans | 69% | 284 | 179 |
| Pinal County, AZ | Mortgage lenders | 57% | 221 | 114 |
| Maricopa County, AZ | Investment refinance | 50% | 234 | 103 |
| Maricopa County, AZ | Investment property purchase | 51% | 205 | 93 |
| Coconino County, AZ | Home improvement loans | 67% | 129 | 77 |
The county markets where Desert Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Desert Financial Credit Union
What is Desert Financial Credit Union's mortgage approval rate?
Desert Financial Credit Union approved 67.8% of the 31,666 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.3 points above the 67.5% national rate for the same mix of loan types.
How often do borrowers take the loan Desert Financial Credit Union offers?
Borrowers accepted 90% of the loans Desert 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 Desert Financial Credit Union make?
The typical home improvement loan loan Desert Financial Credit Union made was $105K; across all loan types its typical loan ran from $105K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Desert Financial Credit Union lend?
Desert Financial Credit Union decided applications in 23 of the states Fat Boy Data covers, most of them in Arizona, California and Texas.
Can I apply to Desert Financial Credit Union directly?
Yes. Desert Financial Credit Union is a bank or credit union with 51 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Desert 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 Desert Financial Credit Union treats applications, then get a rate quote from the lender.