AZ · Statewide HMDA 2024
Arizona mortgage lending
According to the CFPB HMDA 2024 Snapshot, 975 reporting lenders · 15 counties · 7 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Arizona ranks #12 of 54 by application volume but #34 of 52 states with 10,000+ applications on origination share (51.5%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #34
- Origination-share rank of 52
- 51.5%
- Origination share
- 167,109
- Originated
- 15.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
324,331reported applications
CFPB HMDA state filing plate
State AZ · Arizona 15.6% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #12/54
- DEN-MID 15.6%
- PHOTO-FINISH Colorado
- ORIG-FLOOR 51.5%
- BOOK-FULL 975 lenders
- LEAD-MIX 11% top
Photo-finish peer: Colorado · 15.7% denial (+0.0pp vs Arizona)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Arizona
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Arizona: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.6% here).
Similar application volume
Nearest states by HMDA applications filed (324,331 here).
Top lenders by originations · Arizona
Funded loans among HMDA-reporting institutions active in this state.
Where Arizona sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
324,331 Top 22% higher than 78% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Arizona
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Arizona filed 324,331 HMDA-reported applications in 2024 (#12 of 54 by volume) with a 15.6% denial rate - near the national 17.2% baseline. White applicants (194,669 apps) show 16.7% denial; Asian applicants (12,431 apps) show 15.3% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Arizona
Top HMDA-reporting lenders active in Arizona. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 17,642 | 10.6% |
| 2 | Rocket Mortgage | 11,483 | 6.9% |
| 3 | Desert Financial Credit Union | 8,747 | 5.2% |
| 4 | Fairway Independent Mort CORP | 4,513 | 2.7% |
| 5 | Loandepot.Com, LLC | 4,066 | 2.4% |
Reported outcomes by applicant race in Arizona
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 194,669 | 60.1% | 16.7% |
| Asian | 12,431 | 60.0% | 15.3% |
| Black or African American | 10,041 | 50.9% | 24.2% |
| Joint | 7,487 | 63.4% | 14.7% |
| American Indian or Alaska Native | 3,859 | 44.4% | 28.6% |
| Native Hawaiian or Other Pacific Islander | 796 | 49.9% | 25.5% |
| 2 or more minority races | 627 | 53.3% | 21.2% |
Every county in Arizona, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Maricopa County | 194,271 | 101,888 | 15.8% | $358,313 |
| Pima County | 43,952 | 21,927 | 14.2% | $267,027 |
| Pinal County | 32,778 | 16,955 | 14.7% | $282,007 |
| Yavapai County | 12,414 | 6,255 | 16.7% | $298,100 |
| Mohave County | 11,370 | 5,786 | 16.5% | $238,075 |
| Yuma County | 8,062 | 4,088 | 15.0% | $226,872 |
| Cochise County | 5,101 | 2,526 | 13.9% | $221,440 |
| Coconino County | 4,856 | 2,501 | 16.9% | $431,549 |
| Navajo County | 3,740 | 1,911 | 17.3% | $264,398 |
| Gila County | 2,453 | 1,150 | 17.0% | $263,753 |
| Santa Cruz County | 1,705 | 757 | 17.1% | $222,601 |
| Graham County | 1,326 | 637 | 17.8% | $213,175 |
| Apache County | 1,102 | 432 | 31.6% | $191,652 |
| La Paz County | 383 | 160 | 25.3% | $232,833 |
| Greenlee County | 133 | 58 | 20.3% | $212,293 |
Metro Areas in Arizona
Frequently Asked Questions
How many mortgage applications were filed in Arizona?
Where does Arizona sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Arizona?
What is the average mortgage loan amount in Arizona?
How many mortgage lenders operate in Arizona?
How do mortgage denial rates vary by demographics in Arizona?
Which counties in Arizona have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.