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2024 data HMDA 2024 disclosure official source

Pima County

43,952 mortgage applications, 14.2% denial rate. Verify FIPS 04019 with U.S. Census Bureau →

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Arizona · FIPS 04019

Local mortgage market. Pima County, Arizona saw 43,952 HMDA-reported mortgage applications in 2024. Lenders originated 21,927 of those loans and denied 6,260, producing a denial rate of 14.2% and an approval (origination) rate of 49.9%. The average loan amount was $267,027 at an average note rate of 7.00%, with applicants self-reporting average annual income of $39K. 463 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 04019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

43,952
Applications
21,927
Originated
14.2%
Denial Rate
49.9%
Approval Rate
$267,027
Avg Loan Amount
7.00%
Avg Interest Rate
$39K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Pima 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 Nova Financial & Investment Corporation 1,292 5.9%
2 Rocket Mortgage 1,249 5.7%
3 Crosscountry Mortgage, LLC 1,220 5.6%
4 United Wholesale Mortgage 1,107 5.0%
5 Fairway Independent Mort CORP 866 3.9%
Compare Nova Financial & Investment Corporation vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Pima County?
In the 2024 HMDA reporting year, 43,952 mortgage applications were filed in Pima County, Arizona. Of these, 21,927 were originated (approved and funded), while 6,260 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Pima County?
The mortgage denial rate in Pima County is 14.2%. The approval (origination) rate is 49.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pima County?
The average mortgage loan amount in Pima County is $267,027. The average interest rate is 6.997%. The average applicant income is $39K.
What is the loan-to-income ratio in Pima County?
The average loan-to-income ratio in Pima County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pima County?
The top mortgage lenders in Pima County by origination volume are Nova Financial & Investment Corporation, Rocket Mortgage, Crosscountry Mortgage, LLC. In total, 463 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.