Pima County
Arizona · FIPS 04019
According to CFPB HMDA 2024 application volume among U.S. counties, Pima County ranks #35 of 3,210, and #2 of 15 in Arizona.
Mortgage lending activity in Pima 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pima County
In Pima County, lead originator Nova Financial & Investment Corporation funded only 5.9% of 21,927 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Pima County's 43,952 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pima County's $267,027 average loan (deduped against volume peers).
Lenders active in Pima County
Nova Financial & Investment Corporation funded 1,292 of the 21,927 loans originated in Pima County, 5.9% of the county. 463 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Pima County borrowers.
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 Pima County 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. 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.