# PIMA Federal Credit Union

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


PIMA Federal Credit Union is a credit union, headquartered in Tucson, AZ, with 154 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EZHVOHDWG07M20
- **Headquarters:** Tucson, AZ
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AZ
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.093%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,469
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 154
- **Dollar Volume:** $48 million
- **Applications Received:** 239
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $313,312
- **Average Borrower Income:** $622,968
- **Average Property Value:** $428,974

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 152 | +0.098% | $1,476 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 96 loans, Score: 43/100 (Sound)
- Refinance: 56 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 98 | $33M | +0.088% | Sound ☺️ |
| Refinance | 56/100 | 56 | $15M | +0.102% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 154 | 0.15% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tucson, AZ | AZ | 135 | 80/100 |

## Where This Lender Ranks

PIMA Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tucson, AZ Credit Unions
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Tucson, AZ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Tucson, AZ
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders)
- 🏆 **#11** in Tucson, AZ for Conventional Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PIMA Federal Credit Union offer?

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

### Where does PIMA Federal Credit Union offer mortgages?

PIMA Federal Credit Union offers mortgages in 1 states: AZ.

### How competitive are PIMA Federal Credit Union's mortgage rates?

PIMA Federal Credit Union has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.093% above market average.

### What type of lender is PIMA Federal Credit Union?

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

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

PIMA Federal Credit Union has a pull-through score of 59/100 (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/pima-federal-credit-union

### How to Cite

> "PIMA Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pima-federal-credit-union

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