2025 activity year · County-level source proof
Maricopa County mortgage market
Reported county-level mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated60.2% · 111,793
Approved, not accepted3.7% · 6,920
Denied16.1% · 29,912
Withdrawn14.9% · 27,641
File closed for incompleteness5.0% · 9,282
Preapproval denied0.0% · 82
Preapproval approved, not accepted0.1% · 168
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
41%Home purchase
- Home purchase41.5%
- Home improvement10.9%
- Other purpose13.3%
- Not applicable0.0%
- Refinancing17.0%
- Cash-out refinancing17.3%
Lender-reported reasons
Why applications were reported denied.
These are historical reason codes reported by lenders—not our assessment of an applicant, a prediction, or evidence of unlawful conduct. A denied application can have more than one reason.
Reason for denial
Share of denied decisions
Debt-to-income ratio40.7% · 12,211
Credit history23.1% · 6,943
Collateral18.1% · 5,439
Credit application incomplete14.9% · 4,473
Other13.2% · 3,969
Unverifiable information6.2% · 1,867
Insufficient cash5.0% · 1,503
Employment history1.9% · 562
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
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Data provenance
County FIPS 04013, with two reconciled years.
This profile identifies the activity year, cohort rules, aggregate and row-level CSV endpoints, response hashes, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 19, 2026.