# Arizona Financial Credit Union

> **Canonical URL:** https://saferate.com/lenders/arizona-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Arizona Financial Credit Union is a credit union, headquartered in Phoenix, AZ, serving borrowers across 5 states, with 199 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300V36YE6JCCEJB76
- **Headquarters:** Phoenix, AZ
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, IL, NV, TN, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.326%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,561
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 199
- **Dollar Volume:** $87 million
- **Applications Received:** 282
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $434,899
- **Average Borrower Income:** $190,990
- **Average Property Value:** $664,849

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 172 | +0.324% | $2,523 | Sound ☺️ |
| Jumbo | 64/100 | 17 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 50/100 (Sound)
- Refinance: 51 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 148 | $76M | +0.281% | Sound ☺️ |
| Refinance | 45/100 | 51 | $10M | +0.414% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 195 | 0.20% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 122 | 71/100 |
| Lake Havasu City | AZ | 50 | 80/100 |
| Non |  | 10 | 23/100 |

## Where This Lender Ranks

Arizona Financial Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Lake Havasu City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Arizona Financial Credit Union offer?

Arizona Financial Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Arizona Financial Credit Union offer mortgages?

Arizona Financial Credit Union offers mortgages in 5 states: AZ, IL, NV, TN, WA.

### How competitive are Arizona Financial Credit Union's mortgage rates?

Arizona Financial Credit Union has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.326% above market average.

### What type of lender is Arizona Financial Credit Union?

Arizona Financial Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Phoenix, AZ.

### What is Arizona Financial Credit Union's loan approval success rate?

Arizona Financial Credit Union has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arizona-financial-credit-union

### How to Cite

> "Arizona Financial Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arizona-financial-credit-union

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