Yavapai County
Arizona · FIPS 04025
According to CFPB HMDA 2024 application volume among U.S. counties, Yavapai County ranks #237 of 3,223, and #4 of 15 in Arizona.
Mortgage lending activity in Yavapai 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. Yavapai County, Arizona lenders denied 2,076 of the applications reported here, financing the rest at an average note rate of 7.23%, with applicants self-reporting average annual income of $39K. 372 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Yavapai County
In Yavapai County, lead originator United Wholesale Mortgage funded only 10.0% of 6,255 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Yavapai County's 12,414 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Yavapai County's $298,100 average loan (deduped against volume peers).
Lenders active in Yavapai County
United Wholesale Mortgage funded 627 of the 6,255 loans originated in Yavapai County, 10.0% of the county. 372 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 627 | 10.0% |
| 2 | Rocket Mortgage | 533 | 8.5% |
| 3 | Oneaz Credit Union | 346 | 5.5% |
| 4 | Fairway Independent Mort CORP | 218 | 3.5% |
| 5 | Guild Mortgage Company | 217 | 3.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Yavapai 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 Yavapai 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.