States › Arizona › Mohave County
Mohave 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 10,260 mortgage applications in Mohave County, Arizona, for 2024, and originated 5,790 loans worth $1.5bn.
That is 56.8 originations per 1,000 households, against 58.7 for Arizona and 48.0 nationally.
The county's denial rate was 23.3%, close to the state rate of 22.2%. The median rate spread on originated loans was 0.6 percentage points and 18.9% of originations were 1.5 points or more above the average prime offer rate.
73 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (665), Rocket Mortgage (519) and New American Funding, LLC. (261).
Originations were up 17% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 73. Denial rate is denials over decided applications in this county.
Compared with Arizona and the nation
| Measure | This county | Arizona | United States |
|---|---|---|---|
| Denial rate | 23.3% | 22.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.9% | 16.7% | 15.6% |
| Average originated loan | $253k | $353k | $329k |
| Originations per 1,000 households | 56.8 | 58.7 | 48.0 |
| Home purchase share of originations | 58.6% | 55.6% | 57.0% |
| FHA-insured share | 17.3% | 17.9% | 13.4% |
| VA-guaranteed share | 14.1% | 9.6% | 7.9% |
Rate spread distribution
Share of 5,251 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 59% (3,395)Home improvement 5% (290)Refinancing 10% (585)Cash-out refinancing 16% (940)Other purpose 10% (578)
By type
Conventional 68% (3,917)FHA 17% (1,002)VA 14% (814)USDA 1% (57)
Trend by year
ApplicationsOriginations
This countyArizona
Questions and answers
Which lenders are most active in Mohave County, AZ?
By 2024 originations: United Wholesale Mortgage (665), Rocket Mortgage (519), New American Funding, LLC. (261), Flagstar Bank NA (209), American Pacific Mortgage Corporation (177). 73 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Mohave County?
23.3% of decided applications were denied in 2024, against 22.2% across Arizona and 24.3% nationally.
How many mortgages were originated in Mohave County in 2024?
5,790 loans totalling $1.5bn, from 10,260 applications; 56.8 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 04015; 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.