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2024 data HMDA 2024 disclosure official source

Apache County

1,102 mortgage applications, 31.6% denial rate. Verify FIPS 04001 with U.S. Census Bureau →

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Arizona · FIPS 04001

Local mortgage market. Apache County, Arizona saw 1,102 HMDA-reported mortgage applications in 2024. Lenders originated 432 of those loans and denied 348, producing a denial rate of 31.6% and an approval (origination) rate of 39.2%. The average loan amount was $191,652 at an average note rate of 7.43%, with applicants self-reporting average annual income of $38K. 102 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 04001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,102
Applications
432
Originated
31.6%
Denial Rate
39.2%
Approval Rate
$191,652
Avg Loan Amount
7.43%
Avg Interest Rate
$38K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Apache County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Guild Mortgage Company 47 10.9%
2 Rocket Mortgage 46 10.6%
3 United Wholesale Mortgage 38 8.8%
4 Vanderbilt Mortgage and Finance, INC 23 5.3%
5 21st Mortgage 18 4.2%
Compare Guild Mortgage Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Apache County?
In the 2024 HMDA reporting year, 1,102 mortgage applications were filed in Apache County, Arizona. Of these, 432 were originated (approved and funded), while 348 were denied, resulting in a denial rate of 31.6%.
What is the mortgage denial rate in Apache County?
The mortgage denial rate in Apache County is 31.6%. The approval (origination) rate is 39.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Apache County?
The average mortgage loan amount in Apache County is $191,652. The average interest rate is 7.435%. The average applicant income is $38K.
What is the loan-to-income ratio in Apache County?
The average loan-to-income ratio in Apache County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Apache County?
The top mortgage lenders in Apache County by origination volume are Guild Mortgage Company, Rocket Mortgage, United Wholesale Mortgage. In total, 102 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). 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.