U.S. Mortgage Index

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Public institution profile · Credit union · Not a recommendation

ARIZONA CENTRAL

Credit unionPhoenix, AZActive

NCUA charter 62881

Data observedAugust 6, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

NCUA charter / CU number
62881
company ID
Not published — no verified match
More identifiers
Federal Reserve
Not published — no verified match
Not published — no verified match

Verify at NCUA

Identity verified through NCUA; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Credit union
Status
Active
Main office
Phoenix, AZ
HMDA activity
Published activity year 2025
Complaint records
CFPB search status is not currently available.
NCUA call report
March 31, 2026

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Credit union
Status
Active
Main office
Phoenix, AZ
activity
Published activity year 2025
Complaint records
CFPB search status is not currently available.
NCUA call report
March 31, 2026

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

719reported records

326reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

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activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

719

2025

Loan originations

326

2025

Denials

161

2025

Withdrawals

196

2025

Denial rate among decisioned applications

32.9%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
2025719326216119632.9%
2024857349129817446.0%
20231,211504242324945.5%
20221,299526541831344.0%
20211,517807734634829.8%
20201,999894846862434.2%
20191,444771233833330.4%
20181,2485208136825838.0%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional711
FHA4
VA4
RHS / FSA0
Home purchase151
Home improvement254
Refinancing30
Cash-out refinancing284

State reporting

2 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

No published complaint result found

No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.

This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

View the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only the regulator that applies to this institution is shown. Identifiers stay as published.

Institution identity

NCUAMarch 31, 2026Call-report date when published. It is not the profile observed date.

Ask about this regulatory record

NCUA identity

NCUA charter number
62881
Credit union type
Federally insured state-chartered credit union
Federal insurance
Federally insured through the NCUA / National Credit Union Share Insurance Fund
Low-income designation
No

NCUA-reported main office

Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.

Address line 1
2020 N Central Ave Ste 200
City
Phoenix
State
AZ
ZIP
85004
County
Maricopa
Country
United States
Phone
6022646421
Hours
9:00 AM to 5:30 PM M,T,T,FW: 10AM-5:30PMSolution Center and Lending teams availble by phone Saturday 10 AM-2PM

NCUA quarterly financial summary

Data period: March 31, 2026

Members
46,768
Total assets
$733,736,994
Total loans — all reported loan categories
$604,094,022
Shares and deposits
$649,410,182
Return on average assets
0.33%
Net worth ratio
8.62%
Loan-to-share ratio
93.02%

NCUA total-loan balances are institution-wide and are not presented as mortgage volume.

Four-quarter growth metrics

Shares/deposits four-quarter growth
1.36%
Loans four-quarter growth
4.86%
Assets four-quarter growth
1.21%
Members four-quarter growth
-3.46%
Net-worth four-quarter growth
4.6%

Location characteristics

Source-reported location characteristics. These fields are not recommendations or quality indicators.

Member services
No
ATM
Yes
Drive-thru
No
Shared service-center network
No

NCUA source dates

NCUA call-report date
March 31, 2026
NCUA locations data date
March 31, 2026
NCUA locations observed
August 7, 2026

No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-06

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-06

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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