Lender in Arizona · HMDA 2025
OneAZ Credit Union mortgages in Arizona
OneAZ Credit Union's 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
OneAZ Credit Union originated 570 owner-occupied single-family loans in Arizona from 622 completed applications.
Its median conventional purchase loan costs were $5,380 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.375% (Arizona: 6.50%).
Loans in AZ
570
of 622 applications
Denial rate
5.9%
Purchase · AZ 8.2%
Rate spread
+0.12 pts
Conv. · AZ +0.11 pts
Loan amount
$425,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 425 | 399 | 5.9% | 6.375% | +0.12 pts | $5,380 | $425,000 |
| Refinance | 102 | 93 | 7.8% | 6.125% | +0.04 pts | $3,080 | $545,000 |
| Cash-out refinance | 95 | 78 | 15.8% | 6.500% | +0.11 pts | $3,050 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where OneAZ Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greenlee County | 3 | 3 | 10.0% |
| Graham County | 4 | 37 | 7.7% |
| Yavapai County | 7 | 80 | 2.3% |
| Coconino County | 7 | 36 | 3.1% |
| Santa Cruz County | 23 | 6 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology