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Credit Union West
Routing Number: 322172153
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Mortgages & Refinancing

Get low-interest rates and personalized attention from a local lender.

Affordable Mortgage Loan Options

If you are looking for a financial institution that goes the extra mile to make your home buying experience seamless, we are here for you! Not only do we offer you low-interest loans, minimal fees and superior service, we also offer seamless tools for buying and selling, so you can save precious time and money.

Our real estate specialists and mortgage originators are NMLS (#410357) registered and are here to be your trusted advocates throughout the loan process.

Let us help you search, buy, sell and save on your next real estate transaction! Use our HomeAdvantage® tool to find the home of your dreams, sell your existing home, research the market, connect with a top local agent, and get cash rewards* at closing. Paired with incredible financing and a team with your best interest in mind, your next real estate experience will be your best!

Choose The Loan That's Right For You

First Time Homebuyers

As a first-time buyer, you need an experienced partner who has your back.

Purchasing A Home

Navigate the mortgage loan process with trusted, expert advice so that you can make the best possible decision. 

VA Loans

Partner with a credit union that has strong military ties who knows your qualification options.


Reduce your mortgage payment or interest with an affordable new loan.


Utilize your investment as a secure credit line.

Home Equity loan

Leverage your equity for a lump sum loan to achieve your goals.

Land Purchase Loans

Get a lump sum personal loan to fulfill your big goals.

home search & Rewards

Search, buy / sell, and save with our HomeAdvantage® program! Get cash rewards at closing when you buy or sell. 

Manage Application

Login now to check the status of your mortgage application.

Mortgage Login

Login to manage and make payments on your current mortgage.

don't just listen to us

See What Others Have To Say



“I have only experienced friendly, fast customer service. Made buying my house such a breeze, I'm ready to do it again!”
- Solange


“Always great service and VA rates. That's why I refinanced my home several times with Luke Federal/Credit Union West.”
- Billy

The Difference

Why Credit Union West
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Low rates and flexible terms

Because we are not-for-profit, you benefit from lower rates and payments. With our fixed terms, your payment amount won’t change month-over-month.
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Quick Decisions

We make quick decisions but build lifetime relationships. Apply today and experience the difference for yourself.
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No pre-payment penalties

You are welcome to pay off your loan early. We do not have prepayment penalties.
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Personal Service

We are dedicated to helping you find the perfect financing fit so you can fund your large ticket items and feel great about the payments.

Instant Answers

Yes, we offer FHA loans and alternative document programs.  Call us today at 602.631.3479 or 800.621.0287 ext. 3479 (outside Maricopa County) to speak with a Mortgage Specialist about the many financing options we have to best suit your needs.
Getting pre-qualified for a loan helps you know what price range works for you, evaluate the monthly costs of a mortgage and to see how much of a loan you can afford. A pre-qualification will also give you some leverage when negotiating with the sellers.
We have several local realtors with years of experience that participate in our free Home Advantage program. If you work with one of our Home Advantage realtors, you will earn cash rewards* at closing! To get started, simply register on the website and click Agents on the top toolbar.

*Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.