Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Coconino County, Arizona
Every institution that decided a 1–4 unit mortgage application in Coconino County, home to Flagstaff, between 2023 and 2025: 9,114 applications, 6,795 loans actually funded, across 8 kinds of borrowing.
Coconino County at a glance
9,114Applications decided
2023–2025
6,795Loans funded
75% of decisions
39Census tracts
15 ZIP codes
144,643People
ACS 2023
What the data shows
Lenders approved 83.5% of home-purchase applications in Coconino County, 5.4 points below the Arizona rate.
The typical purchase mortgage here is $425K.
Investment home improvement is the hardest money to get here: lenders approved 61% of 181 applications.
Lending by loan type in Coconino County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.5% | 3,615 | $425K | 95% | 271 |
| Home improvement loans | 64.6% | 1,018 | $105K | 91% | 76 |
| Cash-out refinance | 70.0% | 1,189 | $265K | 94% | 151 |
| Refinance | 79.6% | 935 | $425K | 94% | 149 |
| Investment property purchase | 90.4% | 1,589 | $455K | 95% | 246 |
| Investment cash-out refinance | 67.8% | 298 | $325K | 90% | 100 |
| Investment refinance | 79.6% | 289 | $435K | 93% | 104 |
| Investment home improvement | 61.3% | 181 | $205K | 83% | 43 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.