What loan types does OneAZ Credit Union offer?

OneAZ Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does OneAZ Credit Union offer mortgages?

OneAZ Credit Union offers mortgages in 1 states: AZ.

How competitive are OneAZ Credit Union's mortgage rates?

OneAZ Credit Union has an overall pricing score of 37.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is OneAZ Credit Union?

OneAZ Credit Union is a Credit Union headquartered in PHOENIX, AZ.

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OneAZ Credit Union

Credit Union•Phoenix, AZHQ•Direct•Reviews near you on Google

We analyzed every closed loan from OneAZ Credit Union — 408 loans across 676 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Superstar

Refinance

Superstar

Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

OneAZ Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+17.9 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

361 loans · 0.20% above market

Strong

Top 40% of lenders

4/5

Jumbo

47 loans · 0.02% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

277 loans · 0.21% above market

Sound

Top 60% of lenders

3/5

Refinance

131 loans · 0.12% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	361	88.5%	+0.199%Above	$944Fees
Jumbo Loans	Sound	Strong	Sound	Sound	47	11.5%	+0.020%Above	$850Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume361

Mix88.5%

Spread

+0.199%Above

Fees

$944Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume47

Mix11.5%

Spread

+0.020%Above

Fees

$850Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	277	67.9%	+0.208%Above	$911Fees
Refinance	Strong	Strong	Sound	Strong	131	32.1%	+0.117%Above	$982Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume277

Mix67.9%

Spread

+0.208%Above

Fees

$911Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume131

Mix32.1%

Spread

+0.117%Above

Fees

$982Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

408

Applications

676

Volume

$182 million

Pricing & Closing

Avg Rate Spread

+0.179%

vs. market APOR

Avg Net Fees

$933

Origination − Credits

Pullthrough Rate

60.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$448,235

Avg Borrower Income

$168,267

Avg Property Value

$679,338

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Prescott Valley, AZMetro

Volume 70Mix 17.16% of portfolio

85/100

Exceptional

Flagstaff, AZMetro

Volume 37Mix 9.07% of portfolio

79/100

Strong

Phoenix, AZMetro

Volume 217Mix 53.19% of portfolio

76/100

Strong

Tucson, AZMetro

Volume 37Mix 9.07% of portfolio

60/100

Sound

Top States by Place Specialization Score

ArizonaState

Volume 408Mix 100.00% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.