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2024 data HMDA 2024 disclosure official source

Mohave County

11,370 mortgage applications, 16.5% denial rate. Verify FIPS 04015 with U.S. Census Bureau →

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Arizona · FIPS 04015

Local mortgage market. Mohave County, Arizona saw 11,370 HMDA-reported mortgage applications in 2024. Lenders originated 5,786 of those loans and denied 1,873, producing a denial rate of 16.5% and an approval (origination) rate of 50.9%. The average loan amount was $238,075 at an average note rate of 7.23%, with applicants self-reporting average annual income of $39K. 338 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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.

FIPS 04015 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,370
Applications
5,786
Originated
16.5%
Denial Rate
50.9%
Approval Rate
$238,075
Avg Loan Amount
7.23%
Avg Interest Rate
$39K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Mohave 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 United Wholesale Mortgage 665 11.5%
2 Rocket Mortgage 519 9.0%
3 New American Funding, LLC. 261 4.5%
4 Flagstar Bank NA 209 3.6%
5 American Pacific Mortgage Corporation 177 3.1%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Mohave County?
In the 2024 HMDA reporting year, 11,370 mortgage applications were filed in Mohave County, Arizona. Of these, 5,786 were originated (approved and funded), while 1,873 were denied, resulting in a denial rate of 16.5%.
What is the mortgage denial rate in Mohave County?
The mortgage denial rate in Mohave County is 16.5%. The approval (origination) rate is 50.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Mohave County?
The average mortgage loan amount in Mohave County is $238,075. The average interest rate is 7.226%. The average applicant income is $39K.
What is the loan-to-income ratio in Mohave County?
The average loan-to-income ratio in Mohave County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Mohave County?
The top mortgage lenders in Mohave County by origination volume are United Wholesale Mortgage, Rocket Mortgage, New American Funding, LLC.. In total, 338 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.