# DESERT FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/desert-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


DESERT FINANCIAL CREDIT UNION is a credit union, headquartered in Phoenix, AZ, with 160 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HFXTV55C2HHM89
- **Headquarters:** Phoenix, AZ
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AZ
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.445%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,022
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 160
- **Dollar Volume:** $67 million
- **Applications Received:** 497
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $417,250
- **Average Borrower Income:** $162,956
- **Average Property Value:** $605,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 142 | +0.506% | $3,117 | Acceptable 🙂 |
| Jumbo | 65/100 | 18 | -0.115% | $2,142 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 86 loans, Score: 33/100 (Acceptable)
- Refinance: 56 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 101 | $48M | +0.379% | Acceptable 🙂 |
| Refinance | 48/100 | 59 | $18M | +0.548% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 160 | 0.16% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 140 | 74/100 |
| Prescott Valley | AZ | 10 | 50/100 |

## Where This Lender Ranks

DESERT FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Prescott Valley for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does DESERT FINANCIAL CREDIT UNION offer?

DESERT 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 DESERT FINANCIAL CREDIT UNION offer mortgages?

DESERT FINANCIAL CREDIT UNION offers mortgages in 1 states: AZ.

### How competitive are DESERT FINANCIAL CREDIT UNION's mortgage rates?

DESERT FINANCIAL CREDIT UNION has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.445% above market average.

### What type of lender is DESERT FINANCIAL CREDIT UNION?

DESERT FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Phoenix, AZ.

### What is DESERT FINANCIAL CREDIT UNION's loan approval success rate?

DESERT FINANCIAL CREDIT UNION has a pull-through score of 32/100 (Acceptable). 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/desert-financial-credit-union

### How to Cite

> "DESERT FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/desert-financial-credit-union

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