Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender in Arizona · HMDA 2025

Navy Federal Credit Union mortgages in Arizona

Navy Federal Credit Union's 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.

Navy Federal Credit Union originated 678 owner-occupied single-family loans in Arizona from 835 completed applications.

Its median conventional purchase loan costs were $4,390 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.625% (Arizona: 6.50%).

Loans in AZ
678
of 835 applications
Denial rate
11.0%
Purchase · AZ 8.2%
Rate spread
−0.13 pts
Conv. · AZ +0.11 pts
Loan amount
$375,000
Purchase · AZ $385,000

By loan purpose

PurposeApplicationsLoansDenial rate30-yr rate*Rate spread*Loan costs*Median loan
Home purchase57550811.0%6.625%−0.13 pts$4,390$375,000
Refinance986829.6%6.125%−0.30 pts$1,620$345,000
Cash-out refinance16210236.4%6.625%−0.05 pts$1,700$355,000

*Conventional loans only; medians with at least 20 loans.

Arizona counties where Navy Federal Credit Union ranks in the top 25

CountyRankLoansMarket share
Yuma County10732.5%
Cochise County15331.8%
Gila County2250.8%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology