Mortgage lending in Santa Cruz County, Arizona
Lenders in Santa Cruz County, Arizona reported 1,802 mortgage applications for 2025, according to the CFPB.
1,802 mortgage applications and 956 loans originated in 2025; the denial rate was 23.9% of 1,368 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Santa Cruz County, AZ.
- 1,802
- Applications
- 956
- Loans originated
- 23.9%
- Denial rate
- 327 denied of 1,368 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,802 | 956 |
| 2024 | 1,484 | 767 |
| 2023 | 1,347 | 686 |
| 2022 | 1,884 | 1,017 |
| 2021 | 2,922 | 1,662 |
| 2020 | 2,360 | 1,384 |
| 2019 | 1,599 | 890 |
| 2018 | 1,412 | 753 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| American Pacific Mortgage Corporation | 129 | 161 |
| Rocket Mortgage | 58 | 97 |
| United Wholesale Mortgage | 53 | 71 |
| The Loan Store, Inc | 45 | 63 |
| NOVA Financial & Investment Corporation | 44 | 61 |
| Fairway Independent Mort Corp | 30 | 47 |
| Crosscountry Mortgage, LLC | 29 | 50 |
| Freedom Mortgage Corporation | 25 | 49 |
| Peoples Mortgage Company | 25 | 34 |
| Pennymac Loan Services LLC | 24 | 60 |
| JPMorgan Chase Bank, NA | 23 | 42 |
| loanDepot.com LLC | 19 | 39 |
| Guild Mortgage Company | 19 | 23 |
| Mortgage Research Center | 19 | 32 |
| Altitude Financial Corporation | 15 | 18 |
| V.i.p. Mortgage, Inc. | 14 | 19 |
| Wells Fargo Bank NA | 14 | 33 |
| Efinity Financial LLC | 13 | 19 |
| Vantage West Credit Union | 13 | 30 |
| Ark-LA-Tex Financial Services LLC | 12 | 16 |
| Nationstar Mortgage | 12 | 16 |
| Navy Federal Credit Union | 11 | 23 |
| Oneaz Credit Union | 10 | 22 |
| US Bank, N.A. | 10 | 24 |
| CMG Mortgage Inc | 9 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 17 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,335 | 21.6% of 1,042 decided |
| 2 or more minority races | under 10 | |
| Joint | 16 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 414 | 33.5% of 287 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,074 | 25.0% of 836 decided |
| Not Hispanic or Latino | 394 | 17.6% of 301 decided |
| Joint | 51 | no rate: base under 50 |
| Ethnicity Not Available | 283 | 30.6% of 193 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 717 | 26.3% of 560 decided |
| Female | 348 | 27.9% of 258 decided |
| Joint | 587 | 16.9% of 462 decided |
| Sex Not Available | 150 | 34.1% of 88 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. 655 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