Applications / Mortgage Analytics / Lenders / Arizona / Tucson Federal Credit Union
Tucson, AZ · Credit union · NCUA · $925 million assets · 238 loans in 2025
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238
loans originated, 2025
365
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tucson Federal Credit Union lends for home improvement and refinancing rather than home purchase, and in 2025 its loans fell by almost half while similar lenders grew.
Home improvement made up 40.3% of its loans and refinancing 39.9%, with the rest for other purposes. It made no purchase loans at all. Every loan was conventional. Its typical loan was $70,000, against $105,000 at similar lenders, which are credit unions making between half and twice as many loans. Small loans of this kind explain why 238 loans came to only $20.5 million.
Its loans fell 47% in 2025, to 238 from 451, among the steepest drops of similar lenders, which grew 6%. The fall followed a peak of 604 loans in 2023; this year's total is close to the 262 of 2020. In Tucson, its main market, its share slipped to 0.3% from 0.5% and it ranked 55 of 489 lenders; the smaller share may simply reflect its smaller lending overall. United Wholesale Mortgage led there.
Borrowers with low or moderate incomes (LMI) took 34.9% of its loans, against 27.7% at similar lenders. Nearly half its loans, 47.1%, went to majority-minority neighborhoods, against 11.8% at peers, and 23.4% to low- and moderate-income neighborhoods, more than at about four in five similar lenders. Its footprint, four counties centered on Tucson, may account for much of that.
It also bought 42 loans from other lenders, more than almost all similar lenders, most of which buy none. That is up from 11 in 2024 but far below the 303 it bought in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tucson Federal Credit Union took 365 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.3% · Refinance 39.9% · Other 19.7%
Conventional 100.0% · of 238 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 | 238 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tucson | 232 |
| Prescott Valley-Prescott | 1 |
| Sierra Vista-Douglas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YJD6GFEQBIEF90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 171777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52157 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tucson Federal Credit Union's data.
Tucson Federal Credit Union's data
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Tucson 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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