Applications / Mortgage Analytics / Lenders / Arizona / Pinal County Federal Credit Union
Casa Grande, AZ · Credit union · NCUA · $332 million assets · 48 loans in 2025
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48
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pinal County Federal Credit Union lends small sums against existing homes, and more of its loans go to low- and moderate-income borrowers than at almost any similar credit union.
It made no loans to buy a home. Some 52.1% of its loans were for other purposes and 41.7% for home improvement, with refinances at 6.3%. Its typical loan was $55,000, against $92,500 at similar lenders, credit unions making between half and twice as many loans, smaller than at more than nine in ten of them.
Some 54.4% of its loans went to low- and moderate-income (LMI) borrowers, against 31.3% at similar lenders. In LMI neighborhoods the share was 41.7% against 17.4%, and in majority-minority neighborhoods 52.1% against 9.6%. All three are higher than about nine in ten of its peers. It lends in only three Arizona counties, and the makeup of those places may account for much of this.
It made 48 loans in 2025, the same as in 2024, while the whole market grew 10%. It made 148 in 2023, but that peak was the unusual year: it made 83 loans in 2018 and 51 in 2020.
Phoenix-Mesa-Chandler, where it has reported since 2010, is its largest market. It ranks 465 of 879 lenders there, far behind United Wholesale Mortgage and Rocket Mortgage. None of its loans in 2025 were higher-priced (a rate well above the average for similar loans).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pinal County Federal Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 52.1% · Home improvement 41.7% · Refinance 6.3%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CYXW7LD00YCQ70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 340489 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59099 | 2010–2017 |
Established 1 January 1954. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Pinal County Federal Credit Union's data.
Pinal County Federal Credit Union's data
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Pinal County 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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