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Pinal County Federal Credit Union - Deconverted 2024/05/31

Casa Grande, AZ

Pinal County Federal Credit Union - Deconverted 2024/05/31 processed 62 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 48 loans with a 22.6% denial rate. Other was the primary loan purpose. Based in Casa Grande, AZ. The approval rate of 77.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Pinal County Federal Credit Union - Deconverted 2024/05/31's 77.4% origination rate tells you how often an application turned into funded money; the 22.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (62 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

62
Applications
48
Originated
22.6%
Denial Rate
$72,258
Avg Loan Amount
Avg Interest Rate: 7.313% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 62 48 14 $72,258

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Pinal County Federal Credit Union - Deconverted 2024/05/31 (LEI: 549300CYXW7LD00YCQ70) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
5
Credit history
4
Other
4
Debt-to-income ratio
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 32 24 $68,750
Home Improvement 27 21 $72,407
Home Purchase 2 2 $120,000
Refinancing 1 1 $85,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 55 81.8% 18.2%
Black or African American * 2 50.0% 50.0%
Joint * 2 50.0% 50.0%
Asian * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 38 81.6% 18.4%
Hispanic or Latino * 19 73.7% 26.3%
Joint * 4 75.0% 25.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in AZ

Other HMDA-reporting lenders in AZ with similar activity. Compare any two side-by-side.

The Loan Store, Inc

Tucson, AZ

37,522 apps 23,548 originated 12.7% denied

Desert Financial Credit Union

Phoenix, AZ

14,881 apps 8,747 originated 30.3% denied

V.I.P. Mortgage, INC.

SCOTTSDALE, AZ

10,272 apps 6,989 originated 2.0% denied

Geneva Financial LLC

Chandler, AZ

9,015 apps 5,938 originated 2.7% denied

Nova Financial & Investment Corporation

Tucson, AZ

6,917 apps 4,748 originated 5.3% denied
Compare Pinal County Federal Credit Union - Deconverted 2024/05/31 vs The Loan Store, Inc →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Pinal County Federal Credit Union - Deconverted 2024/05/31 process?
Pinal County Federal Credit Union - Deconverted 2024/05/31 processed 62 mortgage applications in the 2024 HMDA reporting year. Of these, 48 were originated (approved and funded), and 14 were denied.
What is Pinal County Federal Credit Union - Deconverted 2024/05/31's mortgage approval rate?
Pinal County Federal Credit Union - Deconverted 2024/05/31 has an approval (origination) rate of 77.4%, meaning 77.4% of all applications resulted in a funded mortgage. The denial rate is 22.6%.
What is the average loan amount at Pinal County Federal Credit Union - Deconverted 2024/05/31?
The average mortgage loan amount at Pinal County Federal Credit Union - Deconverted 2024/05/31 is $72,258. The average interest rate is 7.313%. The average applicant income is $31,000.
What are the most common reasons for mortgage denial at Pinal County Federal Credit Union - Deconverted 2024/05/31?
The most common reasons for mortgage denial at Pinal County Federal Credit Union - Deconverted 2024/05/31 are: Collateral, Credit history, Other. In total, 14 applications were denied out of 62 total applications.
What types of mortgage loans does Pinal County Federal Credit Union - Deconverted 2024/05/31 offer?
Pinal County Federal Credit Union - Deconverted 2024/05/31 processes Conventional loans. The most common type is Conventional with 62 applications and an average loan amount of $72,258.
What loan purposes does Pinal County Federal Credit Union - Deconverted 2024/05/31 serve?
Pinal County Federal Credit Union - Deconverted 2024/05/31 serves the following loan purposes: Other (32 applications), Home Improvement (27 applications), Home Purchase (2 applications), Refinancing (1 applications). Other is the most common purpose.
Where is Pinal County Federal Credit Union - Deconverted 2024/05/31 located?
Pinal County Federal Credit Union - Deconverted 2024/05/31 is headquartered in Casa Grande, AZ. The lender is identified by LEI 549300CYXW7LD00YCQ70 in HMDA data.
How does Pinal County Federal Credit Union - Deconverted 2024/05/31 compare in lending across racial demographics?
Pinal County Federal Credit Union - Deconverted 2024/05/31 reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.8% and denial rate of 18.2%; Black or African American applicants have an approval rate of 50.0% and denial rate of 50.0%; Joint applicants have an approval rate of 50.0% and denial rate of 50.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.