Gila County
Arizona · FIPS 04007
According to CFPB HMDA 2024 application volume among U.S. counties, Gila County ranks #828 of 3,223, and #10 of 15 in Arizona.
Mortgage lending activity in Gila County, Arizona based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Gila County, Arizona lenders denied 417 of the applications reported here, financing the rest at an average note rate of 7.13%, with applicants self-reporting average annual income of $37K. 186 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Gila County
In Gila County, lead originator United Wholesale Mortgage funded only 9.4% of 1,150 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Gila County's 2,453 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Gila County's $263,753 average loan (deduped against volume peers).
Lenders active in Gila County
United Wholesale Mortgage funded 108 of the 1,150 loans originated in Gila County, 9.4% of the county. 186 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 108 | 9.4% |
| 2 | Rocket Mortgage | 92 | 8.0% |
| 3 | American Pacific Mortgage Corporation | 66 | 5.7% |
| 4 | Desert Financial Credit Union | 54 | 4.7% |
| 5 | Sun American Mortgage Company | 40 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Gila County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Gila County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.