# OneAZ Credit Union

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


OneAZ Credit Union is a credit union, headquartered in PHOENIX, AZ, with 408 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EWL25M8JXH2R78
- **Headquarters:** PHOENIX, AZ
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AZ
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.179%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $933
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 408
- **Dollar Volume:** $183 million
- **Applications Received:** 676
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $448,235
- **Average Borrower Income:** $168,267
- **Average Property Value:** $679,338

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 361 | +0.199% | $944 | Strong 😀 |
| Jumbo | 73/100 | 47 | +0.020% | $850 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 241 loans, Score: 58/100 (Sound)
- Refinance: 120 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 36 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 277 | $137M | +0.208% | Sound ☺️ |
| Refinance | 71/100 | 131 | $46M | +0.117% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 408 | 0.41% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 217 | 76/100 |
| Prescott Valley | AZ | 70 | 85/100 |
| Non |  | 45 | 42/100 |
| Flagstaff, AZ | AZ | 37 | 79/100 |
| Tucson, AZ | AZ | 37 | 60/100 |

## Where This Lender Ranks

OneAZ Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Prescott Valley for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Arizona for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Phoenix for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Prescott Valley for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Tucson, AZ for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Arizona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Phoenix for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Arizona Credit Unions
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Tucson, AZ Credit Unions
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Tucson, AZ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Prescott Valley for Jumbo Loans
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Flagstaff, AZ
  - [View Full Rankings](https://saferate.com/flagstaff-az/best-mortgage-lenders)
- 🏆 **#13** in Tucson, AZ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does OneAZ Credit Union offer?

OneAZ 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 OneAZ Credit Union offer mortgages?

OneAZ Credit Union offers mortgages in 1 states: AZ.

### How competitive are OneAZ Credit Union's mortgage rates?

OneAZ Credit Union has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.179% above market average.

### What type of lender is OneAZ Credit Union?

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

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

OneAZ Credit Union has a pull-through score of 45/100 (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/oneaz-credit-union

### How to Cite

> "OneAZ Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oneaz-credit-union

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