Applications / Mortgage Analytics / Lenders / Arizona / PIMA Federal Credit Union
Tucson, AZ · Credit union · NCUA · $1.6 billion assets · 480 loans in 2025
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480
loans originated, 2025
763
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PIMA Federal Credit Union, a Tucson lender, mostly finances home improvements and other projects rather than purchases, and lends in poorer neighborhoods more than almost any similar lender.
Home improvement made up 35.8% of its loans and other purposes 28.7%; purchases were only 18.8%. All were conventional, and its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Its count fell 13%, from 549 to 480, while similar lenders grew 6%. Yet its dollar total rose to $129.2 million from $120.7 million. It merged with Republicbankaz in 2025, which could account for part of that rise; that lender's filings count as its own in the competition figures.
Low- and moderate-income (LMI) areas took 27.4% of its loans, against 15.3% at peers, more than at nearly all similar lenders. Majority-minority areas took 34.2%, against 11.0%. That fits a lender whose loans are concentrated in 9 counties of Arizona, centered on Tucson.
In Tucson, where it has lent since at least 1990, it ranked 22 of 489 lenders. Its share fell from 1.7% to 1.3% as its count shrank in a growing market. A quieter year for home-improvement lending is one possibility the figures cannot confirm. United Wholesale Mortgage led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PIMA Federal Credit Union took 763 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.8% · Other 28.7% · Purchase 18.8% · Refinance 16.7%
Conventional 100.0% · of 480 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 | 480 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tucson | 401 |
| Phoenix-Mesa-Chandler | 41 |
| Yuma | 8 |
| Sierra Vista-Douglas | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EZHVOHDWG07M20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 549385 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57316 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PIMA Federal Credit Union's data.
PIMA Federal Credit Union's data
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PIMA Federal 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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