DESERT FINANCIAL CREDIT UNION
DESERT FINANCIAL CREDIT UNION received 16,989 applications in 2025 and made 10,566 mortgages, in 32 counties across 12 states. The median rate its borrowers got was 6.490% on a median loan of $105,000. Of 15,839 decisions, 4,140 were denials — 26.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300HFXTV55C2HHM89 |
|---|---|
| Applications received | 16,989 |
| Mortgages made | 10,566 |
| Denied | 4,140 |
| Approved, not taken up | 1,133 |
| Withdrawn or incomplete | 1,150 |
| Loans bought from other lenders | 145 |
| Median rate spread over the prime offer rate | -0.71 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 738 | 6.490% | $285,000 | 27.0% |
| Refinancing | 2,716 | 7.500% | $135,000 | 24.1% |
| Cash-out refinancing | 200 | 6.305% | $235,000 | 49.9% |
| Other purposes | 6,912 | 6.490% | $105,000 | 25.9% |
Where DESERT FINANCIAL CREDIT UNION lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 9,267 | 6.490% | 25.5% |
| Pinal County, AZ | 714 | 6.490% | 29.5% |
| Yavapai County, AZ | 192 | 6.490% | 31.4% |
| Gila County, AZ | 97 | 6.490% | 32.9% |
| Coconino County, AZ | 94 | 6.490% | 22.7% |
| Pima County, AZ | 82 | 6.490% | 30.0% |
| Navajo County, AZ | 57 | 6.490% | 25.6% |
| Mohave County, AZ | 22 | 6.490% | 33.3% |
| Yuma County, AZ | 16 | 6.490% | 33.3% |
| Cochise County, AZ | 9 | Under 10 loans | 20.0% |
| Apache County, AZ | 4 | Under 10 loans | 37.5% |
| Graham County, AZ | 4 | Under 10 loans | 0.0% |
| Santa Cruz County, AZ | 4 | Under 10 loans | 50.0% |
| La Paz County, AZ | 3 | Under 10 loans | 50.0% |
| Greenlee County, AZ | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 0 | Under 10 loans | 100.0% |
| Randolph County, AR | 0 | Under 10 loans | 100.0% |
| Los Angeles County, CA | 0 | Under 10 loans | 100.0% |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| Walton County, FL | 0 | Under 10 loans | 100.0% |
| DeKalb County, GA | 0 | Under 10 loans | 100.0% |
| Parke County, IN | 0 | Under 10 loans | 100.0% |
| Cowley County, KS | 0 | Under 10 loans | 100.0% |
| San Juan County, NM | 0 | Under 10 loans | 100.0% |
| Valencia County, NM | 0 | Under 10 loans | Not published |
| York County, SC | 0 | Under 10 loans | 100.0% |
| Davidson County, TN | 0 | Under 10 loans | 100.0% |
| Angelina County, TX | 0 | Under 10 loans | 100.0% |
| Collin County, TX | 0 | Under 10 loans | 100.0% |
| Williamson County, TX | 0 | Under 10 loans | 100.0% |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
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When DESERT FINANCIAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.