Lender in Arizona · HMDA 2025
Desert Financial Credit Union mortgages in Arizona
Desert Financial Credit Union's 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
Desert Financial Credit Union originated 613 owner-occupied single-family loans in Arizona from 947 completed applications.
Its median conventional purchase loan costs were $7,250 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.625% (Arizona: 6.50%).
Loans in AZ
613
of 947 applications
Denial rate
13.6%
Purchase · AZ 8.2%
Rate spread
+0.24 pts
Conv. · AZ +0.11 pts
Loan amount
$355,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 411 | 354 | 13.6% | 6.625% | +0.24 pts | $7,250 | $355,000 |
| Refinance | 184 | 76 | 58.7% | 6.375% | +0.08 pts | $3,510 | $285,000 |
| Cash-out refinance | 352 | 183 | 47.7% | 6.625% | +0.14 pts | $4,120 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where Desert Financial Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| La Paz County | 17 | 1 | 1.8% |
| Gila County | 23 | 5 | 0.8% |
| Coconino County | 24 | 8 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology