Applications / Mortgage Analytics / Lenders / Arizona / Arizona Central Credit Union
Phoenix, AZ · Credit union · NCUA · $722 million assets · 326 loans in 2025
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326
loans originated, 2025
719
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arizona Central Credit Union, of Phoenix, lends mostly to improve homes, and in 2025 it made fewer loans but bigger ones.
Home improvement made up 47.9% of its 326 loans, refinances 31.6% and purchases 20.6%. All were conventional. Its typical loan rose to $140,000 from $95,000, larger than at about seven in ten similar lenders, credit unions making between half and twice as many loans.
Its loans fell 7% while similar lenders grew 7%. Yet its dollar total rose to $60.5 million from $48.5 million. It made 894 loans in 2020, and its count has fallen every year since.
Its typical rate was 7.50%, against 6.88% at similar lenders, higher than at about three-quarters of them. Of its loans, 3.4% were higher-priced (a rate well above the average for similar loans), against 2.0%. Home-improvement loans, often priced above first mortgages, lead its book and are one possible reason.
Majority-minority neighborhoods took 22.7% of its loans, against 12.1% at similar lenders and 13.0% for the credit union itself in 2020. It has lent in Phoenix-Mesa-Chandler since 1991 and ranked 170 of 879 lenders there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arizona Central Credit Union took 719 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.9% · Refinance 31.6% · Purchase 20.6%
Conventional 100.0% · of 326 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 326 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 249 |
| Tucson | 18 |
| Flagstaff | 13 |
| Prescott Valley-Prescott | 12 |
| Lake Havasu City-Kingman | 5 |
| Yuma | 2 |
| Sierra Vista-Douglas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A76WI58XAFNF59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 766995 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562881 | 1991–2017 |
Established 1 January 1939. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Arizona Central Credit Union's data.
Arizona Central Credit Union's data
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Arizona Central Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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