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2024 data HMDA 2024 disclosure official source

Graham County

1,326 mortgage applications, 17.8% denial rate. Verify FIPS 04009 with U.S. Census Bureau →

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Arizona · FIPS 04009

Local mortgage market. Graham County, Arizona saw 1,326 HMDA-reported mortgage applications in 2024. Lenders originated 637 of those loans and denied 236, producing a denial rate of 17.8% and an approval (origination) rate of 48.0%. The average loan amount was $213,175 at an average note rate of 7.27%, with applicants self-reporting average annual income of $38K. 105 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 04009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,326
Applications
637
Originated
17.8%
Denial Rate
48.0%
Approval Rate
$213,175
Avg Loan Amount
7.27%
Avg Interest Rate
$38K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Graham 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 Oneaz Credit Union 103 16.2%
2 Fairway Independent Mort CORP 91 14.3%
3 Rocket Mortgage 49 7.7%
4 Nova Financial & Investment Corporation 40 6.3%
5 United Wholesale Mortgage 36 5.7%
Compare Oneaz Credit Union vs Fairway Independent Mort CORP →

Frequently Asked Questions

How many mortgage applications were filed in Graham County?
In the 2024 HMDA reporting year, 1,326 mortgage applications were filed in Graham County, Arizona. Of these, 637 were originated (approved and funded), while 236 were denied, resulting in a denial rate of 17.8%.
What is the mortgage denial rate in Graham County?
The mortgage denial rate in Graham County is 17.8%. The approval (origination) rate is 48.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Graham County?
The average mortgage loan amount in Graham County is $213,175. The average interest rate is 7.271%. The average applicant income is $38K.
What is the loan-to-income ratio in Graham County?
The average loan-to-income ratio in Graham County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Graham County?
The top mortgage lenders in Graham County by origination volume are Oneaz Credit Union, Fairway Independent Mort CORP, Rocket Mortgage. In total, 105 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.