States › Arizona › Maricopa County
Maricopa County, Arizona
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 171,898 mortgage applications in Maricopa County, Arizona, for 2024, and originated 102,128 loans worth $39bn.
That is 59.0 originations per 1,000 households, against 58.7 for Arizona and 48.0 nationally.
The county's denial rate was 22.1%, close to the state rate of 22.2%. The median rate spread on originated loans was 0.3 percentage points and 17.1% of originations were 1.5 points or more above the average prime offer rate.
328 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (11,985), Desert Financial Credit Union (7,742) and Rocket Mortgage (6,958).
Originations were up 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 15,364 | 11,985 | $5.0bn | 11.1% | — |
| 2 | Desert Financial Credit Union | 12,966 | 7,742 | $955m | 30.4% | — |
| 3 | Rocket Mortgage | 8,898 | 6,958 | $2.2bn | 13.9% | — |
| 4 | Fairway Independent Mort Corp | 3,910 | 2,716 | $1.0bn | 6.9% | — |
| 5 | Loandepot.com, LLC | 3,113 | 2,043 | $707m | 19.6% | — |
| 6 | Bank of America NA | 4,693 | 1,945 | $523m | 42.9% | — |
| 7 | Crosscountry Mortgage, LLC | 2,492 | 1,631 | $717m | 3.3% | — |
| 8 | Arizona Federal Credit Union | 3,002 | 1,521 | $164m | 32.6% | — |
| 9 | V.I.P. Mortgage, Inc. | 1,860 | 1,507 | $643m | 2.1% | — |
| 10 | Lennar Mortgage, LLC | 1,845 | 1,481 | $662m | 11.6% | — |
| 11 | JPMorgan Chase Bank, NA | 2,302 | 1,463 | $1.0bn | 12.0% | — |
| 12 | Taylor Morrison Home Funding, Inc. | 1,801 | 1,404 | $662m | 10.6% | — |
| 13 | Us Bank, N.A. | 2,932 | 1,315 | $525m | 46.2% | — |
| 14 | Guild Mortgage Company | 1,872 | 1,313 | $469m | 5.3% | — |
| 15 | Pennymac Loan Services LLC | 2,331 | 1,287 | $494m | 17.1% | — |
| 16 | Navy Federal Credit Union | 2,703 | 1,282 | $250m | 33.2% | — |
| 17 | Spring Eq, LLC | 3,467 | 1,211 | $129m | 58.8% | — |
| 18 | DHI Mortgage Company, LTD. | 1,532 | 1,152 | $523m | 7.9% | — |
| 19 | Figure Lending LLC | 2,221 | 1,129 | $94m | 25.7% | — |
| 20 | Nova Financial & Investment Corporation | 1,559 | 1,041 | $339m | 7.8% | — |
| 21 | Bell Bank | 1,366 | 1,013 | $376m | 10.2% | — |
| 22 | The Loan Store, Inc | 1,537 | 971 | $301m | 14.0% | — |
| 23 | NFM, Inc | 1,051 | 937 | $413m | 1.9% | — |
| 24 | CMG Mortgage Inc | 1,423 | 933 | $427m | 8.3% | — |
| 25 | Nationstar Mortgage | 1,350 | 927 | $186m | 16.6% | — |
| 26 | Freedom Mortgage Corporation | 1,886 | 872 | $336m | 15.0% | — |
| 27 | Pulte Mortgage LLC | 1,173 | 845 | $388m | 11.5% | — |
| 28 | Discover Bank | 3,661 | 814 | $74m | 68.3% | — |
| 29 | Oneaz Credit Union | 1,955 | 797 | $202m | 45.1% | — |
| 30 | Plains Commerce Bank | 1,373 | 792 | $310m | 4.3% | — |
| 31 | Newrez LLC | 1,983 | 761 | $260m | 30.9% | — |
| 32 | BMO Harris Bank NA | 1,614 | 747 | $329m | 38.9% | — |
| 33 | Guaranteed Rate, Inc. | 1,230 | 731 | $294m | 11.3% | — |
| 34 | HomeAmerican Mortgage Corporation | 885 | 718 | $313m | 8.1% | — |
| 35 | New American Funding, LLC. | 1,828 | 713 | $239m | 20.2% | — |
| 36 | Velocio Mortgage, L.L.C. | 817 | 695 | $316m | 5.0% | — |
| 37 | PNC Bank N.A. | 1,332 | 689 | $184m | 34.9% | — |
| 38 | Truwest Credit Union | 1,054 | 660 | $139m | 25.4% | — |
| 39 | Kbhs Home Loans, LLC | 802 | 649 | $259m | 7.1% | — |
| 40 | Paramount Residential Mortgage | 914 | 631 | $265m | 5.2% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 328. Denial rate is denials over decided applications in this county.
Compared with Arizona and the nation
| Measure | This county | Arizona | United States |
|---|---|---|---|
| Denial rate | 22.1% | 22.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.1% | 16.7% | 15.6% |
| Average originated loan | $383k | $353k | $329k |
| Originations per 1,000 households | 59.0 | 58.7 | 48.0 |
| Home purchase share of originations | 53.2% | 55.6% | 57.0% |
| FHA-insured share | 15.6% | 17.9% | 13.4% |
| VA-guaranteed share | 7.1% | 9.6% | 7.9% |
Rate spread distribution
Share of 93,786 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Arizona). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 53% (54,313)Home improvement 10% (10,714)Refinancing 11% (11,482)Cash-out refinancing 13% (13,287)Other purpose 12% (12,314)
By type
Conventional 77% (78,952)FHA 16% (15,936)VA 7% (7,226)USDA 0% (14)
Trend by year
ApplicationsOriginations
This countyArizona
Questions and answers
Which lenders are most active in Maricopa County, AZ?
By 2024 originations: United Wholesale Mortgage (11,985), Desert Financial Credit Union (7,742), Rocket Mortgage (6,958), Fairway Independent Mort Corp (2,716), Loandepot.com, LLC (2,043). 328 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Maricopa County?
22.1% of decided applications were denied in 2024, against 22.2% across Arizona and 24.3% nationally.
How many mortgages were originated in Maricopa County in 2024?
102,128 loans totalling $39bn, from 171,898 applications; 59.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 04013; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.