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Arizona Central

Credit UnionPhoenix, AZHQDirectReviews near you on Google

Arizona Central has 48 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Single State · 1 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 11.90 basis points below market average

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Arizona Central performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 11.9 bps below market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Mediocre
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Mediocre
Volume47
Mix97.9%
Spread
-0.122%Below
Fees
$2,075Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Mediocre
Volume38
Mix79.2%
Spread
-0.180%Below
Fees
$2,403Fees
Refinance
Overall
Mediocre
Product
Mediocre
Pricing
Pull Through
Mediocre
Volume10
Mix20.8%
Spread
+0.132%Above
Fees
$1,432Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
48
Applications
172
Volume
$17 million
Pricing & Closing
Avg Rate Spread
-0.119%
vs. market APOR
Avg Net Fees
$2,213
Origination − Credits
Pullthrough Rate
27.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,958
Avg Borrower Income
$155,312
Avg Property Value
$502,708

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
AZ

Top Metro Areas by Place Specialization Score

1© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 41Mix 85.42% of portfolio
63/100
Strong

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 48Mix 100.00% of portfolio
64/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.