OneAZ Credit Union mortgage approval rate & lending review
OneAZ Credit Union decided 5,381 mortgage applications and funded 3,477 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions OneAZ Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
OneAZ Credit Union at a glance
Approval is 4.5 points below the 70.8% 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 | 82% | 1,034 / 1,267 | 99% | $465K | 1,026 |
| Home improvement loans | 59% | 1,817 / 3,069 | 97% | $105K | 1,756 |
| Cash-out refinance | 61% | 278 / 457 | 96% | $265K | 268 |
| Refinance | 70% | 269 / 385 | 97% | $425K | 260 |
| Investment property purchase | 91% | 120 / 132 | 100% | $305K | 120 |
| Investment cash-out refinance | 62% | 31 / 50 | 100% | $255K | 31 |
OneAZ Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 66% | $105K | 5,365 | 3,477 |
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 OneAZ Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 59% | 1,502 | 855 |
| Maricopa County, AZ | Mortgage lenders | 84% | 707 | 593 |
| Yavapai County, AZ | Home improvement loans | 62% | 695 | 419 |
| Pima County, AZ | Home improvement loans | 58% | 408 | 230 |
| Yavapai County, AZ | Mortgage lenders | 78% | 236 | 184 |
| Coconino County, AZ | Home improvement loans | 64% | 295 | 183 |
| Maricopa County, AZ | Refinance | 73% | 214 | 155 |
| Pima County, AZ | Mortgage lenders | 72% | 144 | 101 |
| Maricopa County, AZ | Cash-out refinance | 57% | 189 | 98 |
| Yavapai County, AZ | Cash-out refinance | 68% | 137 | 92 |
| Coconino County, AZ | Mortgage lenders | 87% | 104 | 88 |
| Pinal County, AZ | Home improvement loans | 47% | 108 | 48 |
The county markets where OneAZ Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about OneAZ Credit Union
What is OneAZ Credit Union's mortgage approval rate?
OneAZ Credit Union approved 66.3% of the 5,381 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.5 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan OneAZ Credit Union offers?
Borrowers accepted 98% of the loans OneAZ 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 OneAZ Credit Union make?
The typical home improvement loan loan OneAZ Credit Union made was $105K; across all loan types its typical loan ran from $105K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does OneAZ Credit Union lend?
OneAZ Credit Union decided applications in 12 of the states Fat Boy Data covers, most of them in Arizona, Georgia and California.
Can I apply to OneAZ Credit Union directly?
Yes. OneAZ Credit Union is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show OneAZ 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 OneAZ Credit Union treats applications, then get a rate quote from the lender.