Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Maricopa County, Arizona
Every institution that decided a 1–4 unit mortgage application in Maricopa County, home to Phoenix, between 2023 and 2025: 352,465 applications, 270,639 loans actually funded, across 8 kinds of borrowing.
Maricopa County at a glance
352,465Applications decided
2023–2025
270,639Loans funded
77% of decisions
1,009Census tracts
133 ZIP codes
4,491,987People
ACS 2023
What the data shows
The typical purchase mortgage here is $395K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 3,365 applications.
Lending by loan type in Maricopa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.1% | 170,271 | $395K | 97% | 859 |
| Home improvement loans | 65.9% | 52,782 | $105K | 89% | 282 |
| Cash-out refinance | 72.2% | 53,994 | $215K | 95% | 524 |
| Refinance | 77.5% | 42,273 | $385K | 93% | 555 |
| Investment property purchase | 89.5% | 19,178 | $325K | 96% | 761 |
| Investment cash-out refinance | 72.2% | 5,757 | $255K | 93% | 349 |
| Investment refinance | 74.2% | 4,845 | $315K | 91% | 409 |
| Investment home improvement | 48.4% | 3,365 | $105K | 90% | 146 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.