Mortgage lending in Coconino County, Arizona
Lenders in Coconino County, Arizona reported 4,882 mortgage applications for 2025, according to the CFPB.
4,882 mortgage applications and 2,905 loans originated in 2025; the denial rate was 20.2% of 3,874 applications decided. The median loan was about $375,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Flagstaff, AZ MSA.
- 4,882
- Applications
- 2,905
- Loans originated
- 20.2%
- Denial rate
- 784 denied of 3,874 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,882 | 2,905 |
| 2024 | 4,432 | 2,501 |
| 2023 | 3,872 | 2,089 |
| 2022 | 6,317 | 3,652 |
| 2021 | 11,491 | 7,421 |
| 2020 | 12,554 | 8,387 |
| 2019 | 7,098 | 4,484 |
| 2018 | 5,943 | 3,567 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 347 | 444 |
| Rocket Mortgage | 211 | 295 |
| Oneaz Credit Union | 177 | 306 |
| Guild Mortgage Company | 141 | 186 |
| Desert Financial Credit Union | 94 | 151 |
| Crosscountry Mortgage, LLC | 85 | 130 |
| Ark-LA-Tex Financial Services LLC | 82 | 104 |
| Intercap Lending Inc | 70 | 80 |
| Zions Bancorporation, N.A. | 64 | 111 |
| Fairway Independent Mort Corp | 62 | 87 |
| Pennymac Loan Services LLC | 60 | 102 |
| The Loan Store, Inc | 56 | 81 |
| CMG Mortgage Inc | 52 | 71 |
| V.i.p. Mortgage, Inc. | 50 | 61 |
| JPMorgan Chase Bank, NA | 48 | 79 |
| Newrez LLC | 35 | 89 |
| Guaranteed Rate, Inc. | 34 | 56 |
| Peoples Mortgage Company | 33 | 47 |
| US Bank, N.A. | 33 | 54 |
| Bank of America NA | 33 | 83 |
| America First Federal Credit Union | 29 | 53 |
| Starboard Financial Management, LLC | 28 | 35 |
| Nationstar Mortgage | 28 | 42 |
| BMO Harris Bank NA | 24 | 42 |
| loanDepot.com LLC | 24 | 41 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 231 | 42.9% of 163 decided |
| Asian | 96 | 24.7% of 77 decided |
| Black or African American | 40 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | 14 | no rate: base under 50 |
| White | 3,432 | 18.2% of 2,791 decided |
| 2 or more minority races | under 10 | |
| Joint | 123 | 18.2% of 99 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 939 | 22.1% of 691 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 380 | 30.3% of 300 decided |
| Not Hispanic or Latino | 3,330 | 18.9% of 2,697 decided |
| Joint | withheld | |
| Ethnicity Not Available | 951 | 21.9% of 699 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,508 | 23.8% of 1,202 decided |
| Female | 862 | 24.4% of 668 decided |
| Joint | 2,096 | 15.2% of 1,705 decided |
| Sex Not Available | 416 | 25.4% of 299 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 108 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved